Bank of Kansas City Mortgage Lending & HMDA Data, 2009
In 2009, Bank of Kansas City of Tulsa, OK reported 2,557 mortgage applications totaling $372.5 million, up 119% from 2008. The average application was for $145,693, and applicants reported an average income of $68,147. 60% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Kansas City, MO-KS (1,782), Tulsa, OK (109) and Oklahoma City, OK (66) (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 | 2,557 |
| Total Mortgage Loan Application Amount | $372,539,000 |
| Average Mortgage Loan Application Amount | $145,693 |
| Highest Mortgage Loan Application Amount | $2,900,000 |
| Average Applicant Income | $68,147 |
| Highest Applicant Income | $2,463,000 |
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Act (HMDA) records Bank of Kansas City filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 463 | $ 59,533,000 | $ 128,580 | $ 65,000 |
| Johnson, Kansas | 441 | $ 83,554,000 | $ 189,464 | $ 87,000 |
| Clay, Missouri | 267 | $ 40,034,000 | $ 149,940 | $ 55,000 |
| Wyandotte, Kansas | 251 | $ 30,708,000 | $ 122,342 | $ 53,000 |
| Platte, Missouri | 150 | $ 27,021,000 | $ 180,140 | $ 68,000 |
| Leavenworth, Kansas | 97 | $ 12,637,000 | $ 130,278 | $ 54,000 |
| Cass, Missouri | 79 | $ 12,166,000 | $ 154,000 | $ 66,000 |
| Tulsa, Oklahoma | 71 | $ 9,230,000 | $ 130,000 | $ 70,000 |
| Oklahoma, Oklahoma | 40 | $ 5,387,000 | $ 134,675 | $ 69,000 |
| Atchison, Kansas | 36 | $ 3,684,000 | $ 102,333 | $ 56,000 |
| Shawnee, Kansas | 18 | $ 1,777,000 | $ 98,722 | $ 44,000 |
| Sedgwick, Kansas | 15 | $ 1,748,000 | $ 116,533 | $ 79,000 |
| Rogers, Oklahoma | 15 | $ 2,142,000 | $ 142,800 | $ 58,000 |
| Comanche, Oklahoma | 14 | $ 2,027,000 | $ 144,785 | $ 51,000 |
| Douglas, Kansas | 13 | $ 1,795,000 | $ 138,076 | $ 48,000 |
| Cleveland, Oklahoma | 13 | $ 1,846,000 | $ 142,000 | $ 47,000 |
| Wagoner, Oklahoma | 13 | $ 1,853,000 | $ 142,538 | $ 60,000 |
| Miami, Kansas | 12 | $ 1,854,000 | $ 154,500 | $ 81,000 |
| St. Louis, Missouri | 12 | $ 2,061,000 | $ 171,750 | $ 108,000 |
| Canadian, Oklahoma | 8 | $ 1,355,000 | $ 169,375 | $ 128,000 |
| Buchanan, Missouri | 7 | $ 950,000 | $ 135,714 | $ 64,000 |
| Taney, Missouri | 7 | $ 1,143,000 | $ 163,285 | $ 187,000 |
| Franklin, Kansas | 6 | $ 641,000 | $ 106,833 | $ 66,000 |
| Lafayette, Missouri | 6 | $ 1,705,000 | $ 284,166 | $ 466,000 |
| Camden, Missouri | 5 | $ 1,747,000 | $ 349,400 | $ 107,000 |
| Clinton, Missouri | 5 | $ 701,000 | $ 140,200 | $ 46,000 |
| Johnson, Missouri | 5 | $ 708,000 | $ 141,600 | $ 91,000 |
| Stone, Missouri | 5 | $ 728,000 | $ 145,600 | $ 130,000 |
| Creek, Oklahoma | 5 | $ 629,000 | $ 125,800 | $ 42,000 |
| Pittsburg, Oklahoma | 5 | $ 1,051,000 | $ 210,200 | $ 99,000 |
| Tarrant, Texas | 5 | $ 850,000 | $ 170,000 | $ 94,000 |
| Maricopa, Arizona | 4 | $ 773,000 | $ 193,250 | $ 164,000 |
| Benton, Arkansas | 4 | $ 682,000 | $ 170,500 | $ 93,000 |
| Weld, Colorado | 4 | $ 1,064,000 | $ 266,000 | $ 63,000 |
| Jefferson, Kansas | 4 | $ 517,000 | $ 129,250 | $ 57,000 |
| Osage, Kansas | 4 | $ 279,000 | $ 69,750 | $ 60,000 |
| Morgan, Missouri | 4 | $ 538,000 | $ 134,500 | $ 198,000 |
| Delaware, Oklahoma | 4 | $ 825,000 | $ 206,250 | $ 163,000 |
| Muskogee, Oklahoma | 4 | $ 724,000 | $ 181,000 | $ 113,000 |
| Fairfax, Virginia | 4 | $ 970,000 | $ 242,500 | $ 127,000 |
| Jefferson, Colorado | 3 | $ 629,000 | $ 209,666 | $ 115,000 |
| Crawford, Kansas | 3 | $ 173,000 | $ 57,666 | $ 37,000 |
| Benton, Missouri | 3 | $ 214,000 | $ 71,333 | $ 145,000 |
| Boone, Missouri | 3 | $ 391,000 | $ 130,333 | $ 41,000 |
| Greene, Missouri | 3 | $ 525,000 | $ 175,000 | $ 185,000 |
| Saline, Missouri | 3 | $ 227,000 | $ 75,666 | $ 40,000 |
| St. Charles, Missouri | 3 | $ 471,000 | $ 157,000 | $ 102,000 |
| Bernalillo, New Mexico | 3 | $ 815,000 | $ 271,666 | $ 103,000 |
| Garfield, Oklahoma | 3 | $ 353,000 | $ 117,666 | $ 61,000 |
| McClain, Oklahoma | 3 | $ 392,000 | $ 130,666 | $ 99,000 |
| Osage, Oklahoma | 3 | $ 523,000 | $ 174,333 | $ 124,000 |
| Washington, Oklahoma | 3 | $ 372,000 | $ 124,000 | $ 32,000 |
| Lamar, Alabama | 2 | $ 114,000 | $ 57,000 | $ 59,000 |
| Washington, Arkansas | 2 | $ 276,000 | $ 138,000 | $ 47,000 |
| Lake, Illinois | 2 | $ 597,000 | $ 298,500 | $ 69,000 |
| Butler, Kansas | 2 | $ 363,000 | $ 181,500 | $ 104,000 |
| Cherokee, Kansas | 2 | $ 198,000 | $ 99,000 | $ 112,000 |
| Cowley, Kansas | 2 | $ 15,000 | $ 7,500 | $ 16,000 |
| Doniphan, Kansas | 2 | $ 164,000 | $ 82,000 | $ 63,000 |
| Geary, Kansas | 2 | $ 303,000 | $ 151,500 | $ 51,000 |
| Linn, Kansas | 2 | $ 156,000 | $ 78,000 | $ 44,000 |
| Wilson, Kansas | 2 | $ 96,000 | $ 48,000 | $ 34,000 |
| Bates, Missouri | 2 | $ 123,000 | $ 61,500 | $ 51,000 |
| Christian, Missouri | 2 | $ 402,000 | $ 201,000 | $ 123,000 |
| Franklin, Missouri | 2 | $ 232,000 | $ 116,000 | $ 48,000 |
| Jasper, Missouri | 2 | $ 645,000 | $ 322,500 | $ 250,000 |
| Jefferson, Missouri | 2 | $ 306,000 | $ 153,000 | $ 94,000 |
| Douglas, Nebraska | 2 | $ 296,000 | $ 148,000 | $ 66,000 |
| Sandoval, New Mexico | 2 | $ 390,000 | $ 195,000 | $ 67,000 |
| Carter, Oklahoma | 2 | $ 194,000 | $ 97,000 | $ 58,000 |
| Logan, Oklahoma | 2 | $ 254,000 | $ 127,000 | $ 49,000 |
| McIntosh, Oklahoma | 2 | $ 125,000 | $ 62,500 | $ 69,000 |
| Okmulgee, Oklahoma | 2 | $ 178,000 | $ 89,000 | $ 63,000 |
| Montgomery, Texas | 2 | $ 365,000 | $ 182,500 | $ 111,000 |
| Jefferson, Alabama | 1 | $ 149,000 | $ 149,000 | $ 85,000 |
| Madison, Alabama | 1 | $ 88,000 | $ 88,000 | $ 97,000 |
| Yavapai, Arizona | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Faulkner, Arkansas | 1 | $ 222,000 | $ 222,000 | $ 108,000 |
| Madison, Arkansas | 1 | $ 133,000 | $ 133,000 | $ 87,000 |
| Prairie, Arkansas | 1 | $ 48,000 | $ 48,000 | $ 32,000 |
| New London, Connecticut | 1 | $ 216,000 | $ 216,000 | $ 88,000 |
| Duval, Florida | 1 | $ 60,000 | $ 60,000 | $ 29,000 |
| Okaloosa, Florida | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Orange, Florida | 1 | $ 89,000 | $ 89,000 | $ 82,000 |
| St. Lucie, Florida | 1 | $ 73,000 | $ 73,000 | $ 41,000 |
| Cherokee, Georgia | 1 | $ 300,000 | $ 300,000 | $ 188,000 |
| Cobb, Georgia | 1 | $ 97,000 | $ 97,000 | $ 28,000 |
| Henry, Georgia | 1 | $ 73,000 | $ 73,000 | $ 46,000 |
| Cook, Illinois | 1 | $ 417,000 | $ 417,000 | $ 144,000 |
| DuPage, Illinois | 1 | $ 120,000 | $ 120,000 | $ 111,000 |
| Monroe, Illinois | 1 | $ 221,000 | $ 221,000 | $ 102,000 |
| Story, Iowa | 1 | $ 109,000 | $ 109,000 | $ 48,000 |
| Bourbon, Kansas | 1 | $ 416,000 | $ 416,000 | $ 235,000 |
| Brown, Kansas | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Lyon, Kansas | 1 | $ 180,000 | $ 180,000 | $ 91,000 |
| Riley, Kansas | 1 | $ 120,000 | $ 120,000 | $ 400,000 |
| Saline, Kansas | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Clark, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 15,000 |
| Baltimore, Maryland | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Charles, Maryland | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Prince George's, Maryland | 1 | $ 158,000 | $ 158,000 | $ 142,000 |
| Carver, Minnesota | 1 | $ 171,000 | $ 171,000 | $ 54,000 |
| Dakota, Minnesota | 1 | $ 88,000 | $ 88,000 | $ 57,000 |
| Hennepin, Minnesota | 1 | $ 72,000 | $ 72,000 | $ 65,000 |
| Ramsey, Minnesota | 1 | $ 139,000 | $ 139,000 | $ 24,000 |
| Washington, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Barry, Missouri | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Butler, Missouri | 1 | $ 73,000 | $ 73,000 | $ 31,000 |
| Carroll, Missouri | 1 | $ 15,000 | $ 15,000 | $ 21,000 |
| Cedar, Missouri | 1 | $ 48,000 | $ 48,000 | $ 19,000 |
| Cooper, Missouri | 1 | $ 34,000 | $ 34,000 | $ 123,000 |
| Hickory, Missouri | 1 | $ 109,000 | $ 109,000 | $ 138,000 |
| Holt, Missouri | 1 | $ 65,000 | $ 65,000 | $ 151,000 |
| Macon, Missouri | 1 | $ 44,000 | $ 44,000 | $ 40,000 |
| Newton, Missouri | 1 | $ 417,000 | $ 417,000 | $ 312,000 |
| Nodaway, Missouri | 1 | $ 179,000 | $ 179,000 | $ 51,000 |
| Osage, Missouri | 1 | $ 63,000 | $ 63,000 | $ 38,000 |
| Ray, Missouri | 1 | $ 148,000 | $ 148,000 | $ 32,000 |
| Douglas, Nevada | 1 | $ 153,000 | $ 153,000 | $ 94,000 |
| Burlington, New Jersey | 1 | $ 84,000 | $ 84,000 | $ 74,000 |
| San Juan, New Mexico | 1 | $ 177,000 | $ 177,000 | $ 81,000 |
| Santa Fe, New Mexico | 1 | $ 86,000 | $ 86,000 | $ 26,000 |
| Guilford, North Carolina | 1 | $ 47,000 | $ 47,000 | $ 77,000 |
| Richland, North Dakota | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Coshocton, Ohio | 1 | $ 46,000 | $ 46,000 | $ 212,000 |
| Hamilton, Ohio | 1 | $ 23,000 | $ 23,000 | $ 52,000 |
| Montgomery, Ohio | 1 | $ 77,000 | $ 77,000 | $ 41,000 |
| Craig, Oklahoma | 1 | $ 222,000 | $ 222,000 | $ 123,000 |
| Kingfisher, Oklahoma | 1 | $ 181,000 | $ 181,000 | $ 114,000 |
| Ottawa, Oklahoma | 1 | $ 247,000 | $ 247,000 | $ 375,000 |
| Payne, Oklahoma | 1 | $ 183,000 | $ 183,000 | $ 70,000 |
| Sequoyah, Oklahoma | 1 | $ 176,000 | $ 176,000 | $ 154,000 |
| Berkeley, South Carolina | 1 | $ 42,000 | $ 42,000 | $ 123,000 |
| Greenville, South Carolina | 1 | $ 50,000 | $ 50,000 | $ 76,000 |
| Montgomery, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 204,000 |
| Bell, Texas | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Dallas, Texas | 1 | $ 111,000 | $ 111,000 | $ 75,000 |
| El Paso, Texas | 1 | $ 110,000 | $ 110,000 | $ 138,000 |
| Guadalupe, Texas | 1 | $ 182,000 | $ 182,000 | $ 80,000 |
| Hill, Texas | 1 | $ 181,000 | $ 181,000 | $ 61,000 |
| Randall, Texas | 1 | $ 113,000 | $ 113,000 | $ 110,000 |
| Iron, Utah | 1 | $ 252,000 | $ 252,000 | $ 81,000 |
| Salt Lake, Utah | 1 | $ 417,000 | $ 417,000 | $ 204,000 |
| Utah, Utah | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Culpeper, Virginia | 1 | $ 270,000 | $ 270,000 | $ 76,000 |
| Hampton, Virginia | 1 | $ 38,000 | $ 38,000 | $ 40,000 |
| Henrico, Virginia | 1 | $ 62,000 | $ 62,000 | $ 63,000 |
| Richmond City, Virginia | 1 | $ 121,000 | $ 121,000 | $ 76,000 |
| Stafford, Virginia | 1 | $ 365,000 | $ 365,000 | $ 105,000 |
| Suffolk, Virginia | 1 | $ 230,000 | $ 230,000 | $ 254,000 |
| Tazewell, Virginia | 1 | $ 30,000 | $ 30,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Bank of Kansas City in 2009
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 | 1,423 | $227,294,000 | $159,000 | $1,600,000 | $73,000 | $1,286,000 |
| Home Purchase | 1,068 | $138,736,000 | $129,000 | $2,900,000 | $62,000 | $2,463,000 |
| Home Improvement | 66 | $6,509,000 | $98,000 | $228,000 | $63,000 | $227,000 |
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 | 1,677 | $254,069,000 | $151,000 | $1,600,000 | $71,000 | $2,463,000 |
| Not Provided | 559 | $75,688,000 | $135,000 | $950,000 | $66,000 | $693,000 |
| Black or African American | 210 | $28,875,000 | $137,000 | $2,900,000 | $54,000 | $2,208,000 |
| Hispanic | 62 | $6,707,000 | $108,000 | $231,000 | $46,000 | $126,000 |
| Asian | 30 | $4,769,000 | $158,000 | $390,000 | $64,000 | $159,000 |
| American Indian or Alaskan Native | 10 | $1,211,000 | $121,000 | $176,000 | $48,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,090,000 | $136,000 | $244,000 | $48,000 | $100,000 |
| Not applicable | 1 | $130,000 | $130,000 | $130,000 | $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) | 1,194 | $195,180,000 | $163,000 | $2,900,000 | $93,000 | $2,463,000 |
| FHA-insured (Federal Housing Administration) | 1,188 | $152,478,000 | $128,000 | $320,000 | $45,000 | $900,000 |
| VA-guaranteed (Veterans Administration) | 134 | $19,968,000 | $149,000 | $446,000 | $51,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $4,913,000 | $119,000 | $205,000 | $47,000 | $86,000 |
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 | 1,525 | $223,307,000 | $146,000 | $950,000 | $69,000 | $1,286,000 |
| Application Denied By Financial Institution | 453 | $69,073,000 | $152,000 | $1,600,000 | $69,000 | $2,463,000 |
| Preapproval Denied by Financial Institution | 274 | $31,201,000 | $113,000 | $1,000,000 | $43,000 | $695,000 |
| Application Withdrawn By Applicant | 156 | $26,478,000 | $169,000 | $2,900,000 | $90,000 | $2,208,000 |
| File Closed For Incompleteness | 89 | $13,636,000 | $153,000 | $417,000 | $73,000 | $282,000 |
| Application Approved But Not Accepted | 60 | $8,844,000 | $147,000 | $809,000 | $69,000 | $378,000 |
| 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 | 297 | $33,681,000 | $113,000 | $401,000 | $41,000 | $174,000 |
| Credit Application Incomplete | 264 | $39,789,000 | $150,000 | $1,600,000 | $61,000 | $695,000 |
| Debt-To-Income Ratio | 73 | $11,196,000 | $153,000 | $985,000 | $60,000 | $200,000 |
| Collateral | 53 | $9,165,000 | $172,000 | $1,000,000 | $135,000 | $2,463,000 |
| Other | 26 | $4,770,000 | $183,000 | $895,000 | $95,000 | $360,000 |
| Employment History | 7 | $1,064,000 | $152,000 | $360,000 | $58,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $237,000 | $79,000 | $113,000 | $30,000 | $38,000 |
| Unverifiable Information | 3 | $215,000 | $71,000 | $131,000 | $45,000 | $105,000 |
| Mortgage Insurance Denied | 1 | $157,000 | $157,000 | $157,000 | $119,000 | $119,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Kansas City's 2009 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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