F & C Bank Mortgage Rates, Fees & Info

Holden, MO

LEI: 254900FI70PE7HWAVD04

Tax ID: 44-0241410

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Mortgage Data

Review & Overview

F & C Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. F & C Bank has a high proportion of conventional loans. Their top markets by origination volume include: Warrensburg, Kansas City, Branson, and Columbia 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

151

Origination Dollar Volume (All Markets)

$21,425,000

Top 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) 127 $18,075,000 $142,323 $0 0.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 16 $2,530,000 $158,125 $0 0.00%
Branson, MO (FHA|USDA|VA) 2 $410,000 $205,000 $0 0.00%
Outside of Metro Areas 3 $245,000 $81,667 $0 0.00%
COLUMBIA, MO (FHA|USDA|VA) 3 $165,000 $55,000 $0 0.00%
F & C Bank's top markets include Warrensburg, Kansas City, Branson, and Columbia among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 151 $21,425,000 $141,887 $0 0.00%

    For 2022, F & C Bank's most frequently originated type of loan was Conventional, with 151 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 83 $13,335,000 $160,663 $0 0.00%
    Cash Out Refi 33 $4,415,000 $133,788 $0 0.00%
    Refi 16 $2,090,000 $130,625 $0 0.00%
    Home Improvement 15 $1,315,000 $87,667 $0 0.00%
    Other 4 $270,000 $67,500 $0 0.00%

    For 2022, F & C Bank's most frequently cited loan purpose was Home Purchase, with 83 originations. The 2nd most popular reason was Cash Out Refi, with 33 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 151 $21,425,000 $141,887 $0 0.00%

    For 2022, F & C Bank's most frequently cited loan duration was Other, with 151 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 61 $3,545,000 $58,115 $0 0.00%
    $100k-200k 56 $8,160,000 $145,714 $0 0.00%
    $200k-400k 30 $7,660,000 $255,333 $0 0.00%
    $400k-600k 3 $1,345,000 $448,333 $0 0.00%
    $600k-1MM 1 $715,000 $715,000 $0 0.00%

    2022 saw F & C Bank place emphasis on $100,000 or less loans with 61 originations, totaling $3,545,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 28 $4,560,000 $162,857 $0 0.00%
    $50k or less 28 $2,480,000 $88,571 $0 0.00%
    $50k-75k 24 $2,960,000 $123,333 $0 0.00%
    $75k-100k 16 $2,520,000 $157,500 $0 0.00%
    $150k-250k 10 $1,610,000 $161,000 $0 0.00%
    $250k+ 3 $485,000 $161,667 $0 0.00%

    F & C Bank lent most frequently to those with incomes in the $100k-150k range, with 28 originations. The second most popular income band? $50k or less, with 28 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 151 $21,425,000 $141,887 $0 0.00%

    F & C Bank lent most frequently to those with DTI ratios of Exempt%, with 151 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 108 $15,170,000 $140,463 $0 0.00%
    Not applicable 30 $5,100,000 $170,000 $0 0.00%
    Not provided 9 $805,000 $89,444 $0 0.00%
    Black 2 $220,000 $110,000 $0 0.00%
    American Indian 2 $130,000 $65,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    98.81%

    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 origination
    90.73%

    F & C Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 151 $21,425,000 $141,887

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    151 $21,425,000 $141,887