Bison State Bank Mortgage Lending & HMDA Data, 2023
In 2023, Bison State Bank of Bison, KS reported 178 mortgage applications totaling $59.4 million. The average application was for $333,483, and applicants reported an average income of $152,606. 52% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Kansas City, MO-KS (76), Houston-The Woodlands-Sugar Land, TX (7) and Charlotte-Concord-Gastonia, NC-SC (4) (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 | 178 |
| Total Mortgage Loan Application Amount | $59,360,000 |
| Average Mortgage Loan Application Amount | $333,483 |
| Highest Mortgage Loan Application Amount | $2,285,000 |
| Average Applicant Income | $152,606 |
| Highest Applicant Income | $1,181,000 |
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Act (HMDA) records Bison State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 76 | $ 23,270,000 | $ 306,184 | $ 150,026 |
| Outside any metro area | 22 | $ 4,690,000 | $ 213,181 | $ 95,272 |
| Houston-The Woodlands-Sugar Land, TX | 7 | $ 3,105,000 | $ 443,571 | $ 169,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 2,600,000 | $ 650,000 | $ 338,000 |
| St. Joseph, MO-KS | 4 | $ 470,000 | $ 117,500 | $ 67,000 |
| Topeka, KS | 4 | $ 560,000 | $ 140,000 | $ 89,000 |
| Fort Worth-Arlington, TX | 3 | $ 1,335,000 | $ 445,000 | $ 184,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,925,000 | $ 641,666 | $ 199,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,465,000 | $ 488,333 | $ 118,000 |
| Austin-Round Rock, TX | 2 | $ 910,000 | $ 455,000 | $ 190,000 |
| Boise City, ID | 2 | $ 810,000 | $ 405,000 | $ 280,000 |
| Dallas-Plano-Irving, TX | 2 | $ 880,000 | $ 440,000 | $ 118,000 |
| Fort Collins, CO | 2 | $ 740,000 | $ 370,000 | $ 185,000 |
| Lawrence, KS | 2 | $ 190,000 | $ 95,000 | $ 43,000 |
| Manhattan, KS | 2 | $ 570,000 | $ 285,000 | $ 80,000 |
| Panama City, FL | 2 | $ 780,000 | $ 390,000 | $ 106,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 1,150,000 | $ 575,000 | $ 134,000 |
| Asheville, NC | 1 | $ 305,000 | $ 305,000 | $ 568,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 355,000 | $ 355,000 | $ 225,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 495,000 | $ 495,000 | $ 400,000 |
| Bakersfield, CA | 1 | $ 275,000 | $ 275,000 | $ 102,000 |
| Barnstable Town, MA | 1 | $ 785,000 | $ 785,000 | $ 77,000 |
| Beaumont-Port Arthur, TX | 1 | $ 275,000 | $ 275,000 | $ 127,000 |
| Boulder, CO | 1 | $ 655,000 | $ 655,000 | $ 248,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 455,000 | $ 455,000 | $ 118,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 295,000 | $ 295,000 | $ 131,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 405,000 | $ 405,000 | $ 170,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 475,000 | $ 475,000 | $ 240,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 645,000 | $ 645,000 | $ 211,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 405,000 | $ 405,000 | $ 98,000 |
| Oklahoma City, OK | 1 | $ 225,000 | $ 225,000 | $ 289,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 405,000 | $ 405,000 | $ 219,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 775,000 | $ 775,000 | $ 179,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 275,000 | $ 275,000 | $ 103,000 |
| Pittsburgh, PA | 1 | $ 105,000 | $ 105,000 | $ 129,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 555,000 | $ 555,000 | $ 285,000 |
| Reno, NV | 1 | $ 595,000 | $ 595,000 | $ 349,000 |
| Richmond, VA | 1 | $ 395,000 | $ 395,000 | $ 189,000 |
| San Antonio-New Braunfels, TX | 1 | $ 425,000 | $ 425,000 | $ 95,000 |
| Santa Fe, NM | 1 | $ 725,000 | $ 725,000 | $ 300,000 |
| St. Cloud, MN | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| St. Louis, MO-IL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Tallahassee, FL | 1 | $ 295,000 | $ 295,000 | $ 102,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 305,000 | $ 305,000 | $ 119,000 |
| Toledo, OH | 1 | $ 165,000 | $ 165,000 | $ 203,000 |
| Tucson, AZ | 1 | $ 275,000 | $ 275,000 | $ 194,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 375,000 | $ 375,000 | $ 134,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 545,000 | $ 545,000 | $ 363,000 |
| Wichita Falls, TX | 1 | $ 805,000 | $ 805,000 | $ 232,000 |
| Wichita, KS | 1 | $ 185,000 | $ 185,000 | $ 141,000 |
| York-Hanover, PA | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Bison State Bank in 2023
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 | 131 | $48,785,000 | $372,000 | $2,285,000 | $165,000 | $1,181,000 |
| Cash-out Refinancing | 29 | $6,315,000 | $217,000 | $745,000 | $115,000 | $373,000 |
| Refinancing | 18 | $4,260,000 | $236,000 | $805,000 | $123,000 | $232,000 |
| 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 | 99 | $35,655,000 | $360,000 | $2,285,000 | $171,000 | $1,181,000 |
| Not Provided | 42 | $14,040,000 | $334,000 | $805,000 | $138,000 | $601,000 |
| Hispanic | 14 | $3,510,000 | $250,000 | $705,000 | $111,000 | $437,000 |
| Black or African American | 10 | $2,610,000 | $261,000 | $745,000 | $133,000 | $161,000 |
| American Indian or Alaskan Native | 8 | $1,440,000 | $180,000 | $465,000 | $116,000 | $163,000 |
| Asian | 5 | $2,105,000 | $421,000 | $645,000 | $120,000 | $182,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 133 | $44,575,000 | $335,000 | $2,285,000 | $161,000 | $1,181,000 |
| FHA-insured (Federal Housing Administration) | 23 | $5,805,000 | $252,000 | $475,000 | $88,000 | $179,000 |
| VA-guaranteed (Veterans Administration) | 18 | $8,230,000 | $457,000 | $1,495,000 | $188,000 | $917,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $750,000 | $187,000 | $245,000 | $84,000 | $122,000 |
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 | 93 | $31,205,000 | $335,000 | $2,285,000 | $161,000 | $1,181,000 |
| Application Withdrawn By Applicant | 54 | $19,560,000 | $362,000 | $1,155,000 | $157,000 | $984,000 |
| Application Denied By Financial Institution | 22 | $6,030,000 | $274,000 | $785,000 | $119,000 | $437,000 |
| Application Approved But Not Accepted | 7 | $1,575,000 | $225,000 | $475,000 | $79,000 | $240,000 |
| File Closed For Incompleteness | 2 | $990,000 | $495,000 | $705,000 | $219,000 | $373,000 |
| 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 | 156 | $53,330,000 | $341,000 | $2,285,000 | $157,000 | $1,181,000 |
| Collateral | 10 | $2,530,000 | $253,000 | $645,000 | $113,000 | $273,000 |
| Other | 4 | $630,000 | $157,000 | $245,000 | $101,000 | $122,000 |
| Credit History | 3 | $765,000 | $255,000 | $465,000 | $81,000 | $155,000 |
| Debt-To-Income Ratio | 3 | $1,275,000 | $425,000 | $785,000 | $75,000 | $103,000 |
| Unverifiable Information | 2 | $830,000 | $415,000 | $425,000 | $308,000 | $437,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bison State Bank's 2023 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.
For a list of all lenders in Kansas, download the full spreadsheet
with aggregated HMDA statistics today.
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