Bank of Kansas City Mortgage Lending & HMDA Data, 2010
In 2010, Bank of Kansas City of Tulsa, OK reported 1,418 mortgage applications totaling $203.9 million, down 45% from 2009. The average application was for $143,820, and applicants reported an average income of $72,612. 57% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Kansas City, MO-KS (1,122), Topeka, KS (26) and Oklahoma City, OK (16) (applications in parentheses).
| Mortgage Company & Address | Bank of Kansas City P.O. Box 2300 Tulsa, OK 74192 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 |
| Total Number of Mortgage Applications | 1,418 |
| Total Mortgage Loan Application Amount | $203,938,000 |
| Average Mortgage Loan Application Amount | $143,820 |
| Highest Mortgage Loan Application Amount | $820,000 |
| Average Applicant Income | $72,612 |
| Highest Applicant Income | $680,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of Kansas City filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jackson, Missouri | 340 | $ 42,091,000 | $ 123,797 | $ 61,000 |
| Johnson, Kansas | 304 | $ 56,964,000 | $ 187,381 | $ 108,000 |
| Wyandotte, Kansas | 148 | $ 16,535,000 | $ 111,722 | $ 54,000 |
| Clay, Missouri | 113 | $ 15,383,000 | $ 136,132 | $ 63,000 |
| Platte, Missouri | 78 | $ 13,943,000 | $ 178,756 | $ 86,000 |
| Leavenworth, Kansas | 66 | $ 8,824,000 | $ 133,696 | $ 53,000 |
| Cass, Missouri | 51 | $ 6,957,000 | $ 136,411 | $ 60,000 |
| Atchison, Kansas | 28 | $ 2,662,000 | $ 95,071 | $ 43,000 |
| Shawnee, Kansas | 16 | $ 1,577,000 | $ 98,562 | $ 48,000 |
| Miami, Kansas | 10 | $ 1,308,000 | $ 130,800 | $ 54,000 |
| Tulsa, Oklahoma | 10 | $ 1,662,000 | $ 166,200 | $ 60,000 |
| Taney, Missouri | 9 | $ 1,093,000 | $ 121,444 | $ 101,000 |
| Cleveland, Oklahoma | 7 | $ 954,000 | $ 136,285 | $ 24,000 |
| Jefferson, Kansas | 6 | $ 676,000 | $ 112,666 | $ 33,000 |
| Sedgwick, Kansas | 6 | $ 671,000 | $ 111,833 | $ 50,000 |
| Johnson, Missouri | 6 | $ 714,000 | $ 119,000 | $ 32,000 |
| Bernalillo, New Mexico | 6 | $ 830,000 | $ 138,333 | $ 28,000 |
| Dona Ana, New Mexico | 6 | $ 889,000 | $ 148,166 | $ 20,000 |
| Stone, Missouri | 5 | $ 875,000 | $ 175,000 | $ 201,000 |
| Oklahoma, Oklahoma | 5 | $ 833,000 | $ 166,600 | $ 91,000 |
| La Plata, Colorado | 4 | $ 835,000 | $ 208,750 | $ 92,000 |
| San Juan, New Mexico | 4 | $ 511,000 | $ 127,750 | $ 65,000 |
| Sandoval, New Mexico | 4 | $ 440,000 | $ 110,000 | $ 26,000 |
| Comanche, Oklahoma | 4 | $ 460,000 | $ 115,000 | $ 72,000 |
| Collin, Texas | 4 | $ 823,000 | $ 205,750 | $ 162,000 |
| Denver, Colorado | 3 | $ 884,000 | $ 294,666 | $ 83,000 |
| Douglas, Kansas | 3 | $ 336,000 | $ 112,000 | $ 127,000 |
| Franklin, Kansas | 3 | $ 383,000 | $ 127,666 | $ 69,000 |
| Lyon, Kansas | 3 | $ 438,000 | $ 146,000 | $ 82,000 |
| Osage, Kansas | 3 | $ 199,000 | $ 66,333 | $ 77,000 |
| Buchanan, Missouri | 3 | $ 194,000 | $ 64,666 | $ 52,000 |
| Camden, Missouri | 3 | $ 716,000 | $ 238,666 | $ 191,000 |
| Clinton, Missouri | 3 | $ 478,000 | $ 159,333 | $ 79,000 |
| St. Louis, Missouri | 3 | $ 309,000 | $ 103,000 | $ 72,000 |
| Santa Fe, New Mexico | 3 | $ 596,000 | $ 198,666 | $ 36,000 |
| McClain, Oklahoma | 3 | $ 480,000 | $ 160,000 | $ 61,000 |
| Carroll, Arkansas | 2 | $ 416,000 | $ 208,000 | $ 349,000 |
| Washington, Arkansas | 2 | $ 156,000 | $ 78,000 | $ 31,000 |
| Leon, Florida | 2 | $ 152,000 | $ 76,000 | $ 18,000 |
| Doniphan, Kansas | 2 | $ 154,000 | $ 77,000 | $ 40,000 |
| Bates, Missouri | 2 | $ 179,000 | $ 89,500 | $ 36,000 |
| Caldwell, Missouri | 2 | $ 122,000 | $ 61,000 | $ 37,000 |
| Henry, Missouri | 2 | $ 113,000 | $ 56,500 | $ 31,000 |
| Perry, Ohio | 2 | $ 131,000 | $ 65,500 | $ 50,000 |
| Creek, Oklahoma | 2 | $ 243,000 | $ 121,500 | $ 14,000 |
| Garfield, Oklahoma | 2 | $ 544,000 | $ 272,000 | $ 73,000 |
| Rogers, Oklahoma | 2 | $ 168,000 | $ 84,000 | $ 141,000 |
| Wagoner, Oklahoma | 2 | $ 274,000 | $ 137,000 | $ 59,000 |
| Montgomery, Tennessee | 2 | $ 306,000 | $ 153,000 | $ 73,000 |
| Box Elder, Utah | 2 | $ 720,000 | $ 360,000 | $ 240,000 |
| Greene, Alabama | 1 | $ 134,000 | $ 134,000 | $ 119,000 |
| Maricopa, Arizona | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Santa Cruz, Arizona | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Douglas, Colorado | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Jefferson, Colorado | 1 | $ 263,000 | $ 263,000 | $ 125,000 |
| Summit, Colorado | 1 | $ 233,000 | $ 233,000 | $ 105,000 |
| Weld, Colorado | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Hillsborough, Florida | 1 | $ 279,000 | $ 279,000 | $ 162,000 |
| Story, Iowa | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Geary, Kansas | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Gray, Kansas | 1 | $ 49,000 | $ 49,000 | $ 98,000 |
| Harvey, Kansas | 1 | $ 72,000 | $ 72,000 | $ 45,000 |
| Jackson, Kansas | 1 | $ 101,000 | $ 101,000 | $ 44,000 |
| Montgomery, Kansas | 1 | $ 64,000 | $ 64,000 | $ 40,000 |
| Pratt, Kansas | 1 | $ 59,000 | $ 59,000 | $ 46,000 |
| Rawlins, Kansas | 1 | $ 240,000 | $ 240,000 | $ 129,000 |
| Saline, Kansas | 1 | $ 107,000 | $ 107,000 | $ 41,000 |
| Stevens, Kansas | 1 | $ 144,000 | $ 144,000 | $ 99,000 |
| Wichita, Kansas | 1 | $ 109,000 | $ 109,000 | $ 42,000 |
| Dakota, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Boone, Missouri | 1 | $ 158,000 | $ 158,000 | $ 45,000 |
| Christian, Missouri | 1 | $ 281,000 | $ 281,000 | $ 104,000 |
| Franklin, Missouri | 1 | $ 81,000 | $ 81,000 | $ 71,000 |
| Greene, Missouri | 1 | $ 52,000 | $ 52,000 | $ 37,000 |
| Jefferson, Missouri | 1 | $ 102,000 | $ 102,000 | $ 67,000 |
| Lafayette, Missouri | 1 | $ 72,000 | $ 72,000 | $ 71,000 |
| Miller, Missouri | 1 | $ 152,000 | $ 152,000 | $ 45,000 |
| Morgan, Missouri | 1 | $ 91,000 | $ 91,000 | $ 149,000 |
| Ray, Missouri | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| St. Charles, Missouri | 1 | $ 197,000 | $ 197,000 | $ 150,000 |
| Douglas, Nebraska | 1 | $ 229,000 | $ 229,000 | $ 158,000 |
| Curry, New Mexico | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Valencia, New Mexico | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Moore, North Carolina | 1 | $ 655,000 | $ 655,000 | $ 451,000 |
| Richland, North Dakota | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Canadian, Oklahoma | 1 | $ 120,000 | $ 120,000 | $ 63,000 |
| Garvin, Oklahoma | 1 | $ 232,000 | $ 232,000 | $ 120,000 |
| Harper, Oklahoma | 1 | $ 116,000 | $ 116,000 | $ 138,000 |
| Noble, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 190,000 |
| Pittsburg, Oklahoma | 1 | $ 170,000 | $ 170,000 | $ 180,000 |
| Davidson, Tennessee | 1 | $ 118,000 | $ 118,000 | $ 344,000 |
| Maury, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| Shelby, Tennessee | 1 | $ 61,000 | $ 61,000 | $ 18,000 |
| Dallas, Texas | 1 | $ 327,000 | $ 327,000 | $ 0 |
| Henderson, Texas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Lubbock, Texas | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Randall, Texas | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Tarrant, Texas | 1 | $ 143,000 | $ 143,000 | $ 90,000 |
| Powhatan, Virginia | 1 | $ 116,000 | $ 116,000 | $ 34,000 |
| Eau Claire, Wisconsin | 1 | $ 298,000 | $ 298,000 | $ 210,000 |
Mortgage Loan Application Detail Totals for Bank of Kansas City in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 713 | $106,185,000 | $148,000 | $649,000 | $70,000 | $680,000 |
| Home Purchase | 645 | $92,363,000 | $143,000 | $820,000 | $75,000 | $677,000 |
| Home Improvement | 60 | $5,390,000 | $89,000 | $360,000 | $78,000 | $480,000 |
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 | 978 | $143,410,000 | $146,000 | $820,000 | $73,000 | $680,000 |
| Not Provided | 220 | $33,057,000 | $150,000 | $750,000 | $84,000 | $600,000 |
| Black or African American | 136 | $16,421,000 | $120,000 | $400,000 | $59,000 | $575,000 |
| Hispanic | 52 | $5,925,000 | $113,000 | $215,000 | $45,000 | $112,000 |
| Asian | 26 | $4,265,000 | $164,000 | $670,000 | $89,000 | $550,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $471,000 | $117,000 | $152,000 | $67,000 | $81,000 |
| American Indian or Alaskan Native | 2 | $389,000 | $194,000 | $276,000 | $59,000 | $91,000 |
| Not applicable | 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) | 714 | $112,429,000 | $157,000 | $820,000 | $98,000 | $680,000 |
| FHA-insured (Federal Housing Administration) | 575 | $71,379,000 | $124,000 | $454,000 | $46,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 112 | $17,814,000 | $159,000 | $551,000 | $48,000 | $210,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,316,000 | $136,000 | $209,000 | $52,000 | $87,000 |
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 | 814 | $115,551,000 | $141,000 | $820,000 | $76,000 | $677,000 |
| Application Denied By Financial Institution | 270 | $39,006,000 | $144,000 | $649,000 | $66,000 | $680,000 |
| Application Withdrawn By Applicant | 108 | $16,475,000 | $152,000 | $658,000 | $78,000 | $600,000 |
| File Closed For Incompleteness | 104 | $16,490,000 | $158,000 | $417,000 | $74,000 | $580,000 |
| Preapproval Denied by Financial Institution | 67 | $8,831,000 | $131,000 | $750,000 | $48,000 | $275,000 |
| Application Approved But Not Accepted | 55 | $7,585,000 | $137,000 | $417,000 | $78,000 | $575,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 135 | $17,437,000 | $129,000 | $417,000 | $59,000 | $369,000 |
| Debt-To-Income Ratio | 85 | $11,837,000 | $139,000 | $512,000 | $50,000 | $209,000 |
| Collateral | 58 | $9,239,000 | $159,000 | $649,000 | $99,000 | $680,000 |
| Credit Application Incomplete | 29 | $4,768,000 | $164,000 | $417,000 | $56,000 | $166,000 |
| Employment History | 13 | $1,677,000 | $129,000 | $315,000 | $41,000 | $90,000 |
| Other | 9 | $1,004,000 | $111,000 | $240,000 | $33,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,403,000 | $233,000 | $750,000 | $86,000 | $275,000 |
| Unverifiable Information | 2 | $472,000 | $236,000 | $237,000 | $42,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Kansas City's 2010 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 Bank of Kansas City'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.
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