Bison State Bank Mortgage Lending & HMDA Data, 2025
In 2025, Bison State Bank of Bison, KS reported 1,117 mortgage applications totaling $587.0 million, up 740% from 2024. The average application was for $525,474, and applicants reported an average income of $224,707. 58% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Kansas City, MO-KS (120), Houston-The Woodlands-Sugar Land, TX (33) and Chicago-Naperville, IL (30) (applications in parentheses).
| Mortgage Company & Address | Bison State Bank 223 Main St Bison, KS 67520 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 1,117 |
| Total Mortgage Loan Application Amount | $586,955,000 |
| Average Mortgage Loan Application Amount | $525,474 |
| Highest Mortgage Loan Application Amount | $2,995,000 |
| Average Applicant Income | $224,707 |
| Highest Applicant Income | $1,534,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bison State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kansas City, MO-KS | 120 | $ 47,520,000 | $ 396,000 | $ 159,050 |
| Outside any metro area | 98 | $ 46,690,000 | $ 476,428 | $ 251,897 |
| Houston-The Woodlands-Sugar Land, TX | 33 | $ 17,775,000 | $ 538,636 | $ 283,000 |
| Chicago-Naperville, IL | 30 | $ 16,650,000 | $ 555,000 | $ 233,000 |
| Arlington-Alexandria-Reston, VA-WV | 29 | $ 19,065,000 | $ 657,413 | $ 193,000 |
| Dallas-Plano-Irving, TX | 29 | $ 14,615,000 | $ 503,965 | $ 226,000 |
| Seattle-Bellevue-Everett, WA | 26 | $ 17,590,000 | $ 676,538 | $ 305,000 |
| Denver-Aurora-Lakewood, CO | 24 | $ 13,380,000 | $ 557,500 | $ 241,000 |
| Lakewood-New Brunswick, NJ | 23 | $ 13,055,000 | $ 567,608 | $ 284,000 |
| Phoenix-Mesa-Scottsdale, AZ | 20 | $ 11,160,000 | $ 558,000 | $ 237,000 |
| St. Louis, MO-IL | 19 | $ 8,005,000 | $ 421,315 | $ 172,052 |
| Charlotte-Concord-Gastonia, NC-SC | 18 | $ 8,680,000 | $ 482,222 | $ 199,055 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 18 | $ 9,880,000 | $ 548,888 | $ 201,000 |
| Atlanta-Sandy Springs-Roswell, GA | 17 | $ 8,535,000 | $ 502,058 | $ 169,000 |
| Austin-Round Rock, TX | 17 | $ 8,655,000 | $ 509,117 | $ 169,000 |
| Newark, NJ-PA | 17 | $ 9,895,000 | $ 582,058 | $ 223,000 |
| Everett, WA | 15 | $ 10,205,000 | $ 680,333 | $ 304,000 |
| Los Angeles-Long Beach-Glendale, CA | 15 | $ 15,765,000 | $ 1,051,000 | $ 314,000 |
| Cambridge-Newton-Framingham, MA | 14 | $ 8,300,000 | $ 592,857 | $ 246,000 |
| Oakland-Hayward-Berkeley, CA | 14 | $ 10,490,000 | $ 749,285 | $ 336,000 |
| Riverside-San Bernardino-Ontario, CA | 14 | $ 7,950,000 | $ 567,857 | $ 291,000 |
| New York-Jersey City-White Plains, NY-NJ | 13 | $ 9,515,000 | $ 731,923 | $ 316,000 |
| Raleigh, NC | 13 | $ 5,735,000 | $ 441,153 | $ 159,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 12 | $ 8,000,000 | $ 666,666 | $ 281,000 |
| Anaheim-Santa Ana-Irvine, CA | 10 | $ 7,530,000 | $ 753,000 | $ 302,000 |
| Indianapolis-Carmel-Anderson, IN | 10 | $ 6,210,000 | $ 621,000 | $ 183,000 |
| Orlando-Kissimmee-Sanford, FL | 10 | $ 4,870,000 | $ 487,000 | $ 152,000 |
| Cincinnati, OH-KY-IN | 9 | $ 3,895,000 | $ 432,777 | $ 174,555 |
| Fort Worth-Arlington, TX | 9 | $ 4,355,000 | $ 483,888 | $ 209,000 |
| Las Vegas-Henderson-Paradise, NV | 9 | $ 4,575,000 | $ 508,333 | $ 159,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 3,810,000 | $ 476,250 | $ 172,000 |
| Marietta, GA | 8 | $ 4,170,000 | $ 521,250 | $ 201,000 |
| Memphis, TN-MS-AR | 8 | $ 3,080,000 | $ 385,000 | $ 282,500 |
| Montgomery County-Bucks County-Chester County, PA | 8 | $ 4,410,000 | $ 551,250 | $ 219,000 |
| San Francisco-Redwood City-South San Francisco, CA | 8 | $ 6,550,000 | $ 818,750 | $ 381,000 |
| Tacoma-Lakewood, WA | 8 | $ 4,720,000 | $ 590,000 | $ 294,000 |
| Tampa, FL | 8 | $ 3,840,000 | $ 480,000 | $ 249,000 |
| Camden, NJ | 7 | $ 3,695,000 | $ 527,857 | $ 186,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 3,465,000 | $ 495,000 | $ 246,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 4,335,000 | $ 619,285 | $ 262,000 |
| San Diego-Carlsbad, CA | 7 | $ 5,225,000 | $ 746,428 | $ 318,000 |
| Jacksonville, FL | 6 | $ 3,310,000 | $ 551,666 | $ 229,000 |
| Knoxville, TN | 6 | $ 1,990,000 | $ 331,666 | $ 419,000 |
| Boston, MA | 5 | $ 2,545,000 | $ 509,000 | $ 172,000 |
| Colorado Springs, CO | 5 | $ 2,445,000 | $ 489,000 | $ 193,000 |
| Columbus, OH | 5 | $ 2,055,000 | $ 411,000 | $ 194,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 2,685,000 | $ 537,000 | $ 115,000 |
| Ogden-Clearfield, UT | 5 | $ 2,245,000 | $ 449,000 | $ 119,000 |
| Philadelphia, PA | 5 | $ 2,295,000 | $ 459,000 | $ 269,000 |
| Salt Lake City, UT | 5 | $ 3,815,000 | $ 763,000 | $ 223,000 |
| Trenton, NJ | 5 | $ 2,655,000 | $ 531,000 | $ 263,000 |
| Tulsa, OK | 5 | $ 2,315,000 | $ 463,000 | $ 146,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 2,695,000 | $ 539,000 | $ 189,000 |
| Albuquerque, NM | 4 | $ 2,510,000 | $ 627,500 | $ 294,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 2,040,000 | $ 510,000 | $ 266,000 |
| Boise City, ID | 4 | $ 2,060,000 | $ 515,000 | $ 138,000 |
| Chattanooga, TN-GA | 4 | $ 1,440,000 | $ 360,000 | $ 268,500 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 2,290,000 | $ 572,500 | $ 205,000 |
| Detroit-Dearborn-Livonia, MI | 4 | $ 1,920,000 | $ 480,000 | $ 191,000 |
| Medford, OR | 4 | $ 1,550,000 | $ 387,500 | $ 199,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,770,000 | $ 442,500 | $ 154,000 |
| Pittsburgh, PA | 4 | $ 2,180,000 | $ 545,000 | $ 305,000 |
| Portland-South Portland, ME | 4 | $ 2,120,000 | $ 530,000 | $ 145,000 |
| Providence-Warwick, RI-MA | 4 | $ 2,180,000 | $ 545,000 | $ 194,000 |
| Reno, NV | 4 | $ 2,720,000 | $ 680,000 | $ 325,000 |
| Richmond, VA | 4 | $ 1,480,000 | $ 370,000 | $ 118,000 |
| Stockton-Lodi, CA | 4 | $ 2,480,000 | $ 620,000 | $ 233,000 |
| Tucson, AZ | 4 | $ 1,500,000 | $ 375,000 | $ 261,000 |
| Washington, DC-MD | 4 | $ 2,620,000 | $ 655,000 | $ 195,000 |
| Wilmington, DE-MD-NJ | 4 | $ 2,240,000 | $ 560,000 | $ 254,000 |
| Columbia, MO | 3 | $ 1,295,000 | $ 431,666 | $ 151,000 |
| Columbus, GA-AL | 3 | $ 635,000 | $ 211,666 | $ 157,000 |
| Elgin, IL | 3 | $ 1,235,000 | $ 411,666 | $ 197,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,775,000 | $ 591,666 | $ 218,000 |
| Greensboro-High Point, NC | 3 | $ 1,335,000 | $ 445,000 | $ 178,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 1,275,000 | $ 425,000 | $ 197,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 1,245,000 | $ 415,000 | $ 214,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,325,000 | $ 441,666 | $ 284,000 |
| Oklahoma City, OK | 3 | $ 1,145,000 | $ 381,666 | $ 183,000 |
| Provo-Orem, UT | 3 | $ 2,085,000 | $ 695,000 | $ 196,000 |
| Sherman-Denison, TX | 3 | $ 1,955,000 | $ 651,666 | $ 263,000 |
| Traverse City, MI | 3 | $ 1,345,000 | $ 448,333 | $ 170,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,355,000 | $ 451,666 | $ 155,000 |
| Wilmington, NC | 3 | $ 1,505,000 | $ 501,666 | $ 238,000 |
| Worcester, MA-CT | 3 | $ 1,365,000 | $ 455,000 | $ 157,000 |
| Asheville, NC | 2 | $ 1,250,000 | $ 625,000 | $ 391,000 |
| Bend-Redmond, OR | 2 | $ 1,420,000 | $ 710,000 | $ 344,000 |
| Billings, MT | 2 | $ 840,000 | $ 420,000 | $ 209,000 |
| Birmingham-Hoover, AL | 2 | $ 780,000 | $ 390,000 | $ 104,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 1,450,000 | $ 725,000 | $ 234,000 |
| Charleston-North Charleston, SC | 2 | $ 1,120,000 | $ 560,000 | $ 283,000 |
| Charlottesville, VA | 2 | $ 1,100,000 | $ 550,000 | $ 174,000 |
| Columbia, SC | 2 | $ 560,000 | $ 280,000 | $ 105,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 1,140,000 | $ 570,000 | $ 212,000 |
| Des Moines-West Des Moines, IA | 2 | $ 710,000 | $ 355,000 | $ 167,000 |
| Dover, DE | 2 | $ 840,000 | $ 420,000 | $ 85,000 |
| Durham-Chapel Hill, NC | 2 | $ 1,440,000 | $ 720,000 | $ 392,000 |
| Eagle Pass, TX | 2 | $ 760,000 | $ 380,000 | $ 119,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 1,100,000 | $ 550,000 | $ 213,000 |
| Fresno, CA | 2 | $ 1,110,000 | $ 555,000 | $ 194,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 1,020,000 | $ 510,000 | $ 130,000 |
| Great Falls, MT | 2 | $ 840,000 | $ 420,000 | $ 139,000 |
| Greeley, CO | 2 | $ 1,100,000 | $ 550,000 | $ 189,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 1,220,000 | $ 610,000 | $ 357,000 |
| Huntsville, AL | 2 | $ 720,000 | $ 360,000 | $ 162,000 |
| Jackson, MS | 2 | $ 810,000 | $ 405,000 | $ 328,000 |
| Jefferson City, MO | 2 | $ 590,000 | $ 295,000 | $ 174,000 |
| Lancaster, PA | 2 | $ 1,130,000 | $ 565,000 | $ 256,000 |
| Lewiston-Auburn, ME | 2 | $ 980,000 | $ 490,000 | $ 133,000 |
| Logan, UT-ID | 2 | $ 1,400,000 | $ 700,000 | $ 161,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 1,010,000 | $ 505,000 | $ 245,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 1,340,000 | $ 670,000 | $ 267,000 |
| New Haven-Milford, CT | 2 | $ 1,290,000 | $ 645,000 | $ 275,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 880,000 | $ 440,000 | $ 149,500 |
| Panama City, FL | 2 | $ 1,370,000 | $ 685,000 | $ 400,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 710,000 | $ 355,000 | $ 181,000 |
| Rockingham County-Strafford County, NH | 2 | $ 1,320,000 | $ 660,000 | $ 208,000 |
| Santa Fe, NM | 2 | $ 1,200,000 | $ 600,000 | $ 216,000 |
| Savannah, GA | 2 | $ 560,000 | $ 280,000 | $ 321,000 |
| Spartanburg, SC | 2 | $ 510,000 | $ 255,000 | $ 100,000 |
| Spokane-Spokane Valley, WA | 2 | $ 1,010,000 | $ 505,000 | $ 241,000 |
| Springfield, IL | 2 | $ 760,000 | $ 380,000 | $ 183,000 |
| Springfield, MA | 2 | $ 860,000 | $ 430,000 | $ 183,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 1,280,000 | $ 640,000 | $ 347,000 |
| Topeka, KS | 2 | $ 280,000 | $ 140,000 | $ 81,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,110,000 | $ 555,000 | $ 250,000 |
| Winston-Salem, NC | 2 | $ 850,000 | $ 425,000 | $ 177,000 |
| Akron, OH | 1 | $ 745,000 | $ 745,000 | $ 174,000 |
| Ann Arbor, MI | 1 | $ 385,000 | $ 385,000 | $ 180,000 |
| Bakersfield, CA | 1 | $ 405,000 | $ 405,000 | $ 240,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 895,000 | $ 895,000 | $ 1,200,000 |
| Bangor, ME | 1 | $ 365,000 | $ 365,000 | $ 133,000 |
| Barnstable Town, MA | 1 | $ 555,000 | $ 555,000 | $ 288,000 |
| Battle Creek, MI | 1 | $ 565,000 | $ 565,000 | $ 202,000 |
| Bellingham, WA | 1 | $ 465,000 | $ 465,000 | $ 128,000 |
| Bloomington, IN | 1 | $ 275,000 | $ 275,000 | $ 397,000 |
| Boulder, CO | 1 | $ 505,000 | $ 505,000 | $ 300,000 |
| Bozeman, MT | 1 | $ 865,000 | $ 865,000 | $ 193,000 |
| Bremerton-Silverdale, WA | 1 | $ 455,000 | $ 455,000 | $ 119,000 |
| Burlington, NC | 1 | $ 605,000 | $ 605,000 | $ 215,000 |
| Canton-Massillon, OH | 1 | $ 375,000 | $ 375,000 | $ 74,000 |
| Champaign-Urbana, IL | 1 | $ 355,000 | $ 355,000 | $ 118,000 |
| Cheyenne, WY | 1 | $ 545,000 | $ 545,000 | $ 270,000 |
| Chico, CA | 1 | $ 415,000 | $ 415,000 | $ 152,000 |
| Clarksville, TN-KY | 1 | $ 315,000 | $ 315,000 | $ 172,000 |
| Cleveland, OH | 1 | $ 715,000 | $ 715,000 | $ 625,000 |
| Columbus, IN | 1 | $ 305,000 | $ 305,000 | $ 185,000 |
| Corpus Christi, TX | 1 | $ 265,000 | $ 265,000 | $ 225,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 705,000 | $ 705,000 | $ 400,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 515,000 | $ 515,000 | $ 600,000 |
| Dothan, AL | 1 | $ 305,000 | $ 305,000 | $ 225,000 |
| Fayetteville, NC | 1 | $ 265,000 | $ 265,000 | $ 99,000 |
| Fort Collins, CO | 1 | $ 785,000 | $ 785,000 | $ 318,000 |
| Fort Wayne, IN | 1 | $ 285,000 | $ 285,000 | $ 285,000 |
| Gainesville, GA | 1 | $ 615,000 | $ 615,000 | $ 172,000 |
| Goldsboro, NC | 1 | $ 305,000 | $ 305,000 | $ 71,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 295,000 | $ 295,000 | $ 235,000 |
| Harrisburg-Carlisle, PA | 1 | $ 765,000 | $ 765,000 | $ 540,000 |
| Harrisonburg, VA | 1 | $ 615,000 | $ 615,000 | $ 199,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 335,000 | $ 335,000 | $ 153,000 |
| Idaho Falls, ID | 1 | $ 355,000 | $ 355,000 | $ 145,000 |
| Jacksonville, NC | 1 | $ 375,000 | $ 375,000 | $ 127,000 |
| Johnson City, TN | 1 | $ 315,000 | $ 315,000 | $ 67,000 |
| Kenosha, WI | 1 | $ 215,000 | $ 215,000 | $ 145,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 335,000 | $ 335,000 | $ 69,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 185,000 | $ 185,000 | $ 134,000 |
| Lakeland-Winter Haven, FL | 1 | $ 355,000 | $ 355,000 | $ 176,000 |
| Las Cruces, NM | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Lawrence, KS | 1 | $ 275,000 | $ 275,000 | $ 91,000 |
| Lincoln, NE | 1 | $ 215,000 | $ 215,000 | $ 51,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 315,000 | $ 315,000 | $ 204,000 |
| Longview, WA | 1 | $ 395,000 | $ 395,000 | $ 102,000 |
| Macon-Bibb County, GA | 1 | $ 565,000 | $ 565,000 | $ 894,000 |
| Madison, WI | 1 | $ 325,000 | $ 325,000 | $ 74,000 |
| Manchester-Nashua, NH | 1 | $ 465,000 | $ 465,000 | $ 220,000 |
| Missoula, MT | 1 | $ 635,000 | $ 635,000 | $ 141,000 |
| Mobile, AL | 1 | $ 315,000 | $ 315,000 | $ 112,000 |
| Modesto, CA | 1 | $ 325,000 | $ 325,000 | $ 119,000 |
| Montgomery, AL | 1 | $ 275,000 | $ 275,000 | $ 104,000 |
| New Orleans-Metairie, LA | 1 | $ 395,000 | $ 395,000 | $ 81,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 445,000 | $ 445,000 | $ 230,000 |
| Pittsfield, MA | 1 | $ 335,000 | $ 335,000 | $ 71,000 |
| Port St. Lucie, FL | 1 | $ 435,000 | $ 435,000 | $ 119,000 |
| Punta Gorda, FL | 1 | $ 385,000 | $ 385,000 | $ 89,000 |
| Rochester, MN | 1 | $ 605,000 | $ 605,000 | $ 316,000 |
| San Antonio-New Braunfels, TX | 1 | $ 395,000 | $ 395,000 | $ 111,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 805,000 | $ 805,000 | $ 154,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,025,000 | $ 1,025,000 | $ 275,000 |
| Santa Rosa, CA | 1 | $ 745,000 | $ 745,000 | $ 131,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 645,000 | $ 645,000 | $ 250,000 |
| Sioux Falls, SD | 1 | $ 525,000 | $ 525,000 | $ 266,000 |
| Staunton-Waynesboro, VA | 1 | $ 305,000 | $ 305,000 | $ 125,000 |
| Twin Falls, ID | 1 | $ 1,645,000 | $ 1,645,000 | $ 375,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 495,000 | $ 495,000 | $ 126,000 |
| Waterbury-Shelton, CT | 1 | $ 355,000 | $ 355,000 | $ 292,000 |
| Wichita, KS | 1 | $ 115,000 | $ 115,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Bison State Bank in 2025
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 | 621 | $318,835,000 | $513,000 | $2,305,000 | $220,000 | $1,534,000 |
| Refinancing | 370 | $211,020,000 | $570,000 | $2,995,000 | $240,000 | $1,205,000 |
| Cash-out Refinancing | 126 | $57,100,000 | $453,000 | $1,505,000 | $203,000 | $1,200,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 551 | $286,825,000 | $520,000 | $2,955,000 | $220,000 | $1,534,000 |
| Not Provided | 291 | $156,195,000 | $536,000 | $2,995,000 | $243,000 | $1,205,000 |
| Asian | 159 | $91,535,000 | $575,000 | $2,255,000 | $250,000 | $758,000 |
| Hispanic | 72 | $32,920,000 | $457,000 | $975,000 | $185,000 | $654,000 |
| Black or African American | 35 | $14,965,000 | $427,000 | $965,000 | $153,000 | $346,000 |
| American Indian or Alaskan Native | 8 | $3,540,000 | $442,000 | $815,000 | $123,000 | $265,000 |
| Not applicable | 1 | $975,000 | $975,000 | $975,000 | $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) | 943 | $504,615,000 | $535,000 | $2,995,000 | $238,000 | $1,534,000 |
| VA-guaranteed (Veterans Administration) | 96 | $54,220,000 | $564,000 | $1,275,000 | $174,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 76 | $27,610,000 | $363,000 | $835,000 | $136,000 | $441,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $510,000 | $255,000 | $275,000 | $72,000 | $88,000 |
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 | 647 | $339,715,000 | $525,000 | $2,995,000 | $229,000 | $1,534,000 |
| Application Withdrawn By Applicant | 433 | $222,795,000 | $514,000 | $2,255,000 | $217,000 | $1,205,000 |
| File Closed For Incompleteness | 22 | $14,200,000 | $645,000 | $1,025,000 | $285,000 | $584,000 |
| Application Denied By Financial Institution | 11 | $8,385,000 | $762,000 | $2,955,000 | $206,000 | $699,000 |
| Application Approved But Not Accepted | 4 | $1,860,000 | $465,000 | $515,000 | $124,000 | $243,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,106 | $578,570,000 | $523,000 | $2,995,000 | $225,000 | $1,534,000 |
| Collateral | 3 | $1,425,000 | $475,000 | $665,000 | $230,000 | $339,000 |
| Debt-To-Income Ratio | 2 | $870,000 | $435,000 | $495,000 | $90,000 | $108,000 |
| Unverifiable Information | 2 | $3,280,000 | $1,640,000 | $2,955,000 | $163,000 | $223,000 |
| Credit History | 1 | $1,005,000 | $1,005,000 | $1,005,000 | $699,000 | $699,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $35,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,275,000 | $1,275,000 | $1,275,000 | $131,000 | $131,000 |
| Other | 1 | $395,000 | $395,000 | $395,000 | $210,000 | $210,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bison State Bank's 2025 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 Bison State Bank'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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