Bank of Kansas City Mortgage Lending & HMDA Data, 2008
In 2008, Bank of Kansas City of Tulsa, OK reported 1,168 mortgage applications totaling $179.2 million. The average application was for $153,428, and applicants reported an average income of $69,827. 45% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Kansas City, MO-KS (693), Topeka, KS (9) and Wichita, KS (6) (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 | 1,168 |
| Total Mortgage Loan Application Amount | $179,204,000 |
| Average Mortgage Loan Application Amount | $153,428 |
| Highest Mortgage Loan Application Amount | $3,150,000 |
| Average Applicant Income | $69,827 |
| Highest Applicant Income | $1,412,000 |
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Act (HMDA) records Bank of Kansas City filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 198 | $ 26,218,000 | $ 132,414 | $ 67,000 |
| Clay, Missouri | 140 | $ 20,274,000 | $ 144,814 | $ 64,000 |
| Wyandotte, Kansas | 125 | $ 15,567,000 | $ 124,536 | $ 59,000 |
| Johnson, Kansas | 117 | $ 22,124,000 | $ 189,094 | $ 94,000 |
| Platte, Missouri | 64 | $ 14,890,000 | $ 232,656 | $ 97,000 |
| Cass, Missouri | 22 | $ 2,877,000 | $ 130,772 | $ 57,000 |
| Leavenworth, Kansas | 20 | $ 3,206,000 | $ 160,300 | $ 81,000 |
| Sedgwick, Kansas | 6 | $ 817,000 | $ 136,166 | $ 91,000 |
| Shawnee, Kansas | 6 | $ 589,000 | $ 98,166 | $ 62,000 |
| Buchanan, Missouri | 4 | $ 606,000 | $ 151,500 | $ 75,000 |
| Atchison, Kansas | 3 | $ 256,000 | $ 85,333 | $ 54,000 |
| Douglas, Kansas | 3 | $ 519,000 | $ 173,000 | $ 58,000 |
| Franklin, Kansas | 3 | $ 311,000 | $ 103,666 | $ 53,000 |
| Salt Lake, Utah | 3 | $ 3,640,000 | $ 1,213,333 | $ 358,000 |
| Maricopa, Arizona | 2 | $ 332,000 | $ 166,000 | $ 740,000 |
| Jefferson, Kansas | 2 | $ 307,000 | $ 153,500 | $ 50,000 |
| Clinton, Missouri | 2 | $ 243,000 | $ 121,500 | $ 69,000 |
| Franklin, Missouri | 2 | $ 257,000 | $ 128,500 | $ 43,000 |
| Johnson, Missouri | 2 | $ 241,000 | $ 120,500 | $ 71,000 |
| St. Louis, Missouri | 2 | $ 225,000 | $ 112,500 | $ 149,000 |
| Lake, Illinois | 1 | $ 396,000 | $ 396,000 | $ 173,000 |
| Scott, Iowa | 1 | $ 127,000 | $ 127,000 | $ 41,000 |
| Sioux, Iowa | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Cowley, Kansas | 1 | $ 8,000 | $ 8,000 | $ 14,000 |
| Doniphan, Kansas | 1 | $ 80,000 | $ 80,000 | $ 18,000 |
| Miami, Kansas | 1 | $ 136,000 | $ 136,000 | $ 91,000 |
| Osage, Kansas | 1 | $ 20,000 | $ 20,000 | $ 94,000 |
| Riley, Kansas | 1 | $ 240,000 | $ 240,000 | $ 113,000 |
| Dakota, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Bates, Missouri | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Camden, Missouri | 1 | $ 118,000 | $ 118,000 | $ 85,000 |
| Miller, Missouri | 1 | $ 64,000 | $ 64,000 | $ 139,000 |
| Nodaway, Missouri | 1 | $ 395,000 | $ 395,000 | $ 190,000 |
| Saline, Missouri | 1 | $ 102,000 | $ 102,000 | $ 62,000 |
| Stone, Missouri | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Carter, Oklahoma | 1 | $ 186,000 | $ 186,000 | $ 58,000 |
| Delaware, Oklahoma | 1 | $ 280,000 | $ 280,000 | $ 162,000 |
| Bexar, Texas | 1 | $ 310,000 | $ 310,000 | $ 110,000 |
| Williamson, Texas | 1 | $ 495,000 | $ 495,000 | $ 449,000 |
| Alexandria, Virginia | 1 | $ 403,000 | $ 403,000 | $ 150,000 |
| Fairfax, Virginia | 1 | $ 122,000 | $ 122,000 | $ 62,000 |
| Washburn, Wisconsin | 1 | $ 162,000 | $ 162,000 | $ 140,000 |
Mortgage Loan Application Detail Totals for Bank of Kansas City in 2008
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 | 799 | $117,038,000 | $146,000 | $2,700,000 | $64,000 | $1,412,000 |
| Refinancing | 328 | $58,370,000 | $177,000 | $3,150,000 | $82,000 | $740,000 |
| Home Improvement | 41 | $3,796,000 | $92,000 | $260,000 | $86,000 | $457,000 |
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 | 826 | $136,063,000 | $164,000 | $3,150,000 | $76,000 | $1,412,000 |
| Black or African American | 177 | $21,809,000 | $123,000 | $632,000 | $50,000 | $414,000 |
| Not Provided | 72 | $10,358,000 | $143,000 | $585,000 | $67,000 | $449,000 |
| Hispanic | 65 | $6,743,000 | $103,000 | $249,000 | $50,000 | $189,000 |
| Asian | 19 | $2,450,000 | $128,000 | $336,000 | $68,000 | $162,000 |
| American Indian or Alaskan Native | 5 | $1,199,000 | $239,000 | $900,000 | $107,000 | $386,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $582,000 | $145,000 | $240,000 | $59,000 | $86,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 625 | $77,968,000 | $124,000 | $274,000 | $52,000 | $227,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 492 | $93,023,000 | $189,000 | $3,150,000 | $92,000 | $1,412,000 |
| VA-guaranteed (Veterans Administration) | 49 | $8,029,000 | $163,000 | $445,000 | $68,000 | $210,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $184,000 | $92,000 | $92,000 | $71,000 | $72,000 |
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 | 526 | $80,772,000 | $153,000 | $3,150,000 | $77,000 | $1,412,000 |
| Preapproval Denied by Financial Institution | 382 | $55,689,000 | $145,000 | $2,700,000 | $58,000 | $960,000 |
| Application Denied By Financial Institution | 154 | $24,544,000 | $159,000 | $1,723,000 | $72,000 | $465,000 |
| Preapproval Approved but not Accepted | 37 | $5,860,000 | $158,000 | $585,000 | $61,000 | $190,000 |
| Application Withdrawn By Applicant | 30 | $5,080,000 | $169,000 | $306,000 | $73,000 | $214,000 |
| Application Approved But Not Accepted | 22 | $3,735,000 | $169,000 | $565,000 | $84,000 | $457,000 |
| File Closed For Incompleteness | 17 | $3,524,000 | $207,000 | $1,040,000 | $68,000 | $200,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 222 | $27,786,000 | $125,000 | $1,163,000 | $56,000 | $465,000 |
| Debt-To-Income Ratio | 162 | $22,359,000 | $138,000 | $1,200,000 | $45,000 | $224,000 |
| Credit Application Incomplete | 118 | $19,837,000 | $168,000 | $1,723,000 | $79,000 | $444,000 |
| Collateral | 13 | $1,782,000 | $137,000 | $393,000 | $82,000 | $246,000 |
| Other | 13 | $6,891,000 | $530,000 | $2,700,000 | $197,000 | $960,000 |
| Employment History | 4 | $1,174,000 | $293,000 | $900,000 | $154,000 | $386,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $62,000 | $31,000 | $34,000 | $69,000 | $80,000 |
| Unverifiable Information | 2 | $342,000 | $171,000 | $174,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Kansas City's 2008 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.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.
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