American State Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, American State Bank & Trust Company of Great Bend, KS reported 133 mortgage applications totaling $22.2 million, up 217% from 2018. The average application was for $167,180, and applicants reported an average income of $110,150. 62% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Wichita, KS (75), Manhattan, KS (2) and Denver-Aurora-Lakewood, CO (1) (applications in parentheses).
| Mortgage Company & Address | American State Bank & Trust Company 1321 Main St Great Bend, KS 67530 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 |
| Total Number of Mortgage Applications | 133 |
| Total Mortgage Loan Application Amount | $22,235,000 |
| Average Mortgage Loan Application Amount | $167,180 |
| Highest Mortgage Loan Application Amount | $2,235,000 |
| Average Applicant Income | $110,150 |
| Highest Applicant Income | $750,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American State Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for American State Bank & Trust Company in 2019
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 | 63 | $10,525,000 | $167,000 | $405,000 | $103,000 | $750,000 |
| Refinancing | 34 | $5,070,000 | $149,000 | $2,235,000 | $110,000 | $369,000 |
| Cash-out Refinancing | 25 | $4,525,000 | $181,000 | $665,000 | $94,000 | $374,000 |
| Other Purpose | 10 | $2,060,000 | $206,000 | $445,000 | $197,000 | $500,000 |
| Home Improvement | 1 | $55,000 | $55,000 | $55,000 | $101,000 | $101,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 92 | $15,390,000 | $167,000 | $665,000 | $117,000 | $750,000 |
| Not applicable | 14 | $3,610,000 | $257,000 | $2,235,000 | $0 | $0 |
| Black or African American | 10 | $760,000 | $76,000 | $375,000 | $113,000 | $134,000 |
| Hispanic | 8 | $1,060,000 | $132,000 | $185,000 | $60,000 | $97,000 |
| Not Provided | 6 | $940,000 | $156,000 | $325,000 | $115,000 | $177,000 |
| American Indian or Alaskan Native | 2 | $220,000 | $110,000 | $125,000 | $101,000 | $104,000 |
| Asian | 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) | 133 | $22,235,000 | $167,000 | $2,235,000 | $112,000 | $750,000 |
| 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 | 83 | $14,845,000 | $178,000 | $2,235,000 | $125,000 | $750,000 |
| Application Withdrawn By Applicant | 20 | $3,420,000 | $171,000 | $445,000 | $129,000 | $500,000 |
| Application Denied By Financial Institution | 18 | $2,140,000 | $118,000 | $255,000 | $68,000 | $125,000 |
| File Closed For Incompleteness | 8 | $1,260,000 | $157,000 | $365,000 | $67,000 | $174,000 |
| Application Approved But Not Accepted | 4 | $570,000 | $142,000 | $225,000 | $78,000 | $101,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 133 | $22,235,000 | $167,000 | $2,235,000 | $112,000 | $750,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American State Bank & Trust Company's 2019 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 American State Bank & 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 Kansas, download the full spreadsheet
with aggregated HMDA statistics today.
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