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 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
151Origination Dollar Volume (All Markets)
$21,425,000Top 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) | 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% |
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
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
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
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
Approval Rates
Total approvals of all applications98.81%
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 origination90.73%
F & C Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 151 | $21,425,000 | $141,887 |