F & C Bank Mortgage Rates, Fees & Info
Holden, MOLEI: 254900FI70PE7HWAVD04
Tax ID: 44-0241410
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
F & C Bank is a smaller bank specializing in Home Purchase loans. F & C Bank has a high proportion of conventional loans. Their top markets by origination volume include: Warrensburg, Kansas City, Sedalia, and Branson among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)F & C Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
178Origination Dollar Volume (All Markets)
$38,910,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Warrensburg, MO (FHA|USDA|VA) | 126 | $23,980,000 | $190,317 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 37 | $12,785,000 | $345,541 | $0 | 0.00% |
| Outside of Metro Areas | 10 | $1,120,000 | $112,000 | $0 | 0.00% |
| Sedalia, MO (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 178 | $38,910,000 | $218,596 | $0 | 0.00% |
For 2023, F & C Bank's most frequently originated type of loan was Conventional, with 178 originations.
Loan Reason
For 2023, F & C Bank's most frequently cited loan purpose was Home Purchase, with 106 originations. The 2nd most popular reason was Home Improvement, with 26 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 178 | $38,910,000 | $218,596 | $0 | 0.00% |
For 2023, F & C Bank's most frequently cited loan duration was Other, with 178 originations.
Loan Sizing
2023 saw F & C Bank place emphasis on $100,000 or less loans with 57 originations, totaling $3,245,000 in origination value.
Applicant Income
F & C Bank lent most frequently to those with incomes in the $100k-150k range, with 32 originations. The second most popular income band? $75k-100k, with 24 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 178 | $38,910,000 | $218,596 | $0 | 0.00% |
F & C Bank lent most frequently to those with DTI ratios of Exempt%, with 178 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.98%
F & C Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination91.57%
F & C Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 178 | $38,910,000 | $218,596 |