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F & C Bank

Holden, MO

F & C Bank processed 193 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 182 loans with a 2.6% denial rate. Home Purchase was the primary loan purpose. Based in Holden, MO. The approval rate of 94.3% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. F & C Bank's 94.3% origination rate tells you how often an application turned into funded money; the 2.6% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (193 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

193
Applications
182
Originated
2.6%
Denial Rate
$200,751
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 193 182 5 $200,751

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for F & C Bank (LEI: 254900FI70PE7HWAVD04) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 119 113 $240,378
Home Improvement 33 31 $123,182
Other 18 15 $83,333
Cash-out Refinancing 14 14 $158,571
Refinancing 9 9 $261,667

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 121 90.9% 4.1%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 119 91.6% 4.2%
Hispanic or Latino * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in MO

Other HMDA-reporting lenders in MO with similar activity. Compare any two side-by-side.

Mortgage Research Center

Columbia, MO

147,700 apps 73,759 originated 15.9% denied

Nbkc Bank

KANSAS CITY, MO

18,437 apps 7,830 originated 6.9% denied

Flat Branch Mortgage, INC.

COLUMBIA, MO

17,606 apps 13,902 originated 1.5% denied

Das Acquisition Company, LLC

SAINT LOUIS, MO

12,120 apps 7,831 originated 2.1% denied

The Central Trust Bank

JEFFERSON CITY, MO

11,306 apps 7,513 originated 8.9% denied
Compare F & C Bank vs Mortgage Research Center →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did F & C Bank process?
F & C Bank processed 193 mortgage applications in the 2024 HMDA reporting year. Of these, 182 were originated (approved and funded), 1 were withdrawn by the applicant, and 5 were denied.
What is F & C Bank's mortgage approval rate?
F & C Bank has an approval (origination) rate of 94.3%, meaning 94.3% of all applications resulted in a funded mortgage. The denial rate is 2.6%.
What is the average loan amount at F & C Bank?
The average mortgage loan amount at F & C Bank is $200,751.
What types of mortgage loans does F & C Bank offer?
F & C Bank processes Conventional loans. The most common type is Conventional with 193 applications and an average loan amount of $200,751.
What loan purposes does F & C Bank serve?
F & C Bank serves the following loan purposes: Home Purchase (119 applications), Home Improvement (33 applications), Other (18 applications), Cash-out Refinancing (14 applications), Refinancing (9 applications). Home Purchase is the most common purpose.
Where is F & C Bank located?
F & C Bank is headquartered in Holden, MO. The lender is identified by LEI 254900FI70PE7HWAVD04 in HMDA data.
How does F & C Bank compare in lending across racial demographics?
F & C Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 90.9% and denial rate of 4.1%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.