Tri-County Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, Tri-County Trust Company of Glasgow, MO reported 56 mortgage applications totaling $4.6 million, up 8% from 2010. The average application was for $82,750, and applicants reported an average income of $50,000. 89% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Columbia, MO (45) and Jefferson City, MO (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 | 56 |
| Total Mortgage Loan Application Amount | $4,634,000 |
| Average Mortgage Loan Application Amount | $82,750 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $196,000 |
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(HMDA) records Tri-County Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Howard, Missouri | 44 | $ 3,819,000 | $ 86,795 | $ 48,000 |
| Saline, Missouri | 5 | $ 461,000 | $ 92,200 | $ 59,000 |
| Chariton, Missouri | 2 | $ 136,000 | $ 68,000 | $ 56,000 |
| Randolph, Missouri | 2 | $ 69,000 | $ 34,500 | $ 28,000 |
| Boone, Missouri | 1 | $ 74,000 | $ 74,000 | $ 137,000 |
| Callaway, Missouri | 1 | $ 30,000 | $ 30,000 | $ 39,000 |
| Cooper, Missouri | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for Tri-County Trust Company in 2011
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 | 28 | $1,825,000 | $65,000 | $425,000 | $38,000 | $98,000 |
| Refinancing | 21 | $2,221,000 | $105,000 | $340,000 | $65,000 | $196,000 |
| Home Improvement | 7 | $588,000 | $84,000 | $160,000 | $53,000 | $106,000 |
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 | 55 | $4,617,000 | $83,000 | $425,000 | $51,000 | $196,000 |
| Not applicable | 1 | $17,000 | $17,000 | $17,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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 |
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) | 56 | $4,634,000 | $82,000 | $425,000 | $50,000 | $196,000 |
| 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 | 50 | $4,266,000 | $85,000 | $425,000 | $51,000 | $196,000 |
| Application Denied By Financial Institution | 5 | $148,000 | $29,000 | $40,000 | $38,000 | $47,000 |
| File Closed For Incompleteness | 1 | $220,000 | $220,000 | $220,000 | $78,000 | $78,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 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 | $116,000 | $29,000 | $40,000 | $36,000 | $46,000 |
| Other | 1 | $32,000 | $32,000 | $32,000 | $47,000 | $47,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tri-County Trust Company's 2011 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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