Tri-County Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, Tri-County Trust Company of Glasgow, MO reported 45 mortgage applications totaling $3.9 million, down 42% from 2012. The average application was for $85,600, and applicants reported an average income of $57,222. 80% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Columbia, MO (33) and St. Louis, MO-IL (1).
| Mortgage Company & Address | Tri-County Trust Company Po Box 217, 103 Commerce St. Glasgow, MO 65254 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 45 |
| Total Mortgage Loan Application Amount | $3,852,000 |
| Average Mortgage Loan Application Amount | $85,600 |
| Highest Mortgage Loan Application Amount | $350,000 |
| Average Applicant Income | $57,222 |
| Highest Applicant Income | $255,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tri-County Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Tri-County Trust Company in 2013
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 25 | $1,504,000 | $60,000 | $185,000 | $47,000 | $89,000 |
| Refinancing | 16 | $1,700,000 | $106,000 | $350,000 | $75,000 | $255,000 |
| Home Improvement | 4 | $648,000 | $162,000 | $299,000 | $50,000 | $130,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 42 | $3,486,000 | $83,000 | $350,000 | $59,000 | $255,000 |
| Black or African American | 2 | $67,000 | $33,000 | $52,000 | $43,000 | $56,000 |
| Not applicable | 1 | $299,000 | $299,000 | $299,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 45 | $3,852,000 | $85,000 | $350,000 | $57,000 | $255,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 36 | $3,381,000 | $93,000 | $350,000 | $64,000 | $255,000 |
| Application Denied By Financial Institution | 9 | $471,000 | $52,000 | $157,000 | $31,000 | $47,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 4 | $236,000 | $59,000 | $157,000 | $25,000 | $41,000 |
| Collateral | 2 | $133,000 | $66,000 | $86,000 | $41,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $48,000 | $24,000 | $30,000 | $34,000 | $47,000 |
| Debt-To-Income Ratio | 1 | $54,000 | $54,000 | $54,000 | $29,000 | $29,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tri-County Trust Company's 2013 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Tri-County Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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