Generations Bank Mortgage Lending & HMDA Data, 2003
In 2003, Generations Bank of Overland Park, KS reported 588 mortgage applications totaling $95.0 million. The average application was for $161,484, and applicants reported an average income of $105,981. 59% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Tulsa, OK (46), Kansas City, MO-KS (42) and Bryan-College Station, TX (34) (applications in parentheses).
| Mortgage Company & Address | Generations Bank Po Box 26467 Overland Park, KS 66225 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 588 |
| Total Mortgage Loan Application Amount | $94,953,000 |
| Average Mortgage Loan Application Amount | $161,484 |
| Highest Mortgage Loan Application Amount | $754,000 |
| Average Applicant Income | $105,981 |
| Highest Applicant Income | $900,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Generations Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Tulsa, OK | 46 | $ 6,540,000 | $ 142,173 | $ 111,000 |
| Kansas City, MO-KS | 42 | $ 5,060,000 | $ 120,476 | $ 89,000 |
| Bryan-College Station, TX | 34 | $ 3,479,000 | $ 102,323 | $ 93,000 |
| New York, NY | 26 | $ 6,321,000 | $ 243,115 | $ 107,000 |
| Denver, CO | 25 | $ 4,072,000 | $ 162,880 | $ 75,000 |
| Hartford, CT | 21 | $ 4,315,000 | $ 205,476 | $ 102,000 |
| Greenville-Spartanburg-Anderson, SC | 15 | $ 2,892,000 | $ 192,800 | $ 101,000 |
| Dallas, TX | 14 | $ 2,554,000 | $ 182,428 | $ 115,000 |
| Houston, TX | 14 | $ 1,820,000 | $ 130,000 | $ 103,000 |
| Nassau-Suffolk, NY | 10 | $ 2,459,000 | $ 245,900 | $ 273,000 |
| San Diego, CA | 10 | $ 2,356,000 | $ 235,600 | $ 146,000 |
| Fort Worth-Arlington, TX | 9 | $ 1,080,000 | $ 120,000 | $ 118,000 |
| St. Louis, MO-IL | 9 | $ 1,748,000 | $ 194,222 | $ 100,000 |
| Providence-Fall River-Warwick, RI-MA | 8 | $ 1,078,000 | $ 134,750 | $ 110,000 |
| New Haven-Meriden, CT | 7 | $ 962,000 | $ 137,428 | $ 121,000 |
| Atlanta, GA | 5 | $ 1,357,000 | $ 271,400 | $ 110,000 |
| Buffalo-Niagara Falls, NY | 5 | $ 554,000 | $ 110,800 | $ 135,000 |
| Los Angeles-Long Beach, CA | 5 | $ 900,000 | $ 180,000 | $ 76,000 |
| Oklahoma City, OK | 5 | $ 653,000 | $ 130,600 | $ 95,000 |
| Chicago, IL | 4 | $ 864,000 | $ 216,000 | $ 79,000 |
| Memphis, TN-AR-MS | 4 | $ 436,000 | $ 109,000 | $ 75,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 4 | $ 641,000 | $ 160,250 | $ 115,000 |
| Austin-San Marcos, TX | 3 | $ 417,000 | $ 139,000 | $ 116,000 |
| Boston, MA-NH | 3 | $ 779,000 | $ 259,666 | $ 137,000 |
| Chattanooga, TN-GA | 3 | $ 492,000 | $ 164,000 | $ 108,000 |
| Columbia, SC | 3 | $ 374,000 | $ 124,666 | $ 57,000 |
| Orange County, CA | 3 | $ 878,000 | $ 292,666 | $ 182,000 |
| Phoenix-Mesa, AZ | 3 | $ 487,000 | $ 162,333 | $ 138,000 |
| West Palm Beach-Boca Raton, FL | 3 | $ 623,000 | $ 207,666 | $ 136,000 |
| Bloomington, IN | 2 | $ 129,000 | $ 64,500 | $ 66,000 |
| Brazoria, TX | 2 | $ 244,000 | $ 122,000 | $ 159,000 |
| Bremerton, WA | 2 | $ 602,000 | $ 301,000 | $ 256,000 |
| Bridgeport, CT | 2 | $ 922,000 | $ 461,000 | $ 166,000 |
| Cedar Rapids, IA | 2 | $ 359,000 | $ 179,500 | $ 169,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 542,000 | $ 271,000 | $ 125,000 |
| Cincinnati, OH-KY-IN | 2 | $ 157,000 | $ 78,500 | $ 73,000 |
| Cleveland-Lorain-Elyria, OH | 2 | $ 168,000 | $ 84,000 | $ 33,000 |
| Danbury, CT | 2 | $ 388,000 | $ 194,000 | $ 91,000 |
| Detroit, MI | 2 | $ 341,000 | $ 170,500 | $ 69,000 |
| Erie, PA | 2 | $ 149,000 | $ 74,500 | $ 65,000 |
| Grand Junction, CO | 2 | $ 259,000 | $ 129,500 | $ 90,000 |
| Iowa City, IA | 2 | $ 278,000 | $ 139,000 | $ 127,000 |
| Little Rock-North Little Rock, AR | 2 | $ 317,000 | $ 158,500 | $ 164,000 |
| Nashville, TN | 2 | $ 386,000 | $ 193,000 | $ 77,000 |
| New London-Norwich, CT-RI | 2 | $ 862,000 | $ 431,000 | $ 451,000 |
| Newark, NJ | 2 | $ 422,000 | $ 211,000 | $ 80,000 |
| Oakland, CA | 2 | $ 500,000 | $ 250,000 | $ 82,000 |
| Philadelphia, PA-NJ | 2 | $ 190,000 | $ 95,000 | $ 96,000 |
| Salt Lake City-Ogden, UT | 2 | $ 227,000 | $ 113,500 | $ 141,000 |
| San Antonio, TX | 2 | $ 172,000 | $ 86,000 | $ 56,000 |
| San Francisco, CA | 2 | $ 502,000 | $ 251,000 | $ 41,000 |
| Springfield, MA | 2 | $ 275,000 | $ 137,500 | $ 108,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 212,000 | $ 106,000 | $ 72,000 |
| Worcester, MA-CT | 2 | $ 586,000 | $ 293,000 | $ 212,000 |
| Albuquerque, NM | 1 | $ 192,000 | $ 192,000 | $ 78,000 |
| Alexandria, LA | 1 | $ 103,000 | $ 103,000 | $ 73,000 |
| Bakersfield, CA | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| Beaumont-Port Arthur, TX | 1 | $ 130,000 | $ 130,000 | $ 97,000 |
| Bergen-Passaic, NJ | 1 | $ 215,000 | $ 215,000 | $ 175,000 |
| Birmingham, AL | 1 | $ 20,000 | $ 20,000 | $ 18,000 |
| Boulder-Longmont, CO | 1 | $ 192,000 | $ 192,000 | $ 33,000 |
| Burlington, VT | 1 | $ 156,000 | $ 156,000 | $ 47,000 |
| Canton-Massillon, OH | 1 | $ 323,000 | $ 323,000 | $ 91,000 |
| Champaign-Urbana, IL | 1 | $ 163,000 | $ 163,000 | $ 104,000 |
| Charleston-North Charleston, SC | 1 | $ 250,000 | $ 250,000 | $ 71,000 |
| Charlottesville, VA | 1 | $ 131,000 | $ 131,000 | $ 130,000 |
| Columbia, MO | 1 | $ 57,000 | $ 57,000 | $ 15,000 |
| Corpus Christi, TX | 1 | $ 20,000 | $ 20,000 | $ 27,000 |
| Dayton-Springfield, OH | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| Daytona Beach, FL | 1 | $ 146,000 | $ 146,000 | $ 80,000 |
| Dothan, AL | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Dutchess County, NY | 1 | $ 133,000 | $ 133,000 | $ 42,000 |
| El Paso, TX | 1 | $ 70,000 | $ 70,000 | $ 60,000 |
| Fayetteville-Springdale-Rogers, AR | 1 | $ 375,000 | $ 375,000 | $ 188,000 |
| Fort Lauderdale, FL | 1 | $ 215,000 | $ 215,000 | $ 210,000 |
| Gainesville, FL | 1 | $ 152,000 | $ 152,000 | $ 99,000 |
| Greeley, CO | 1 | $ 158,000 | $ 158,000 | $ 26,000 |
| Greensboro--Winston-Salem--High Point, NC | 1 | $ 217,000 | $ 217,000 | $ 52,000 |
| Indianapolis, IN | 1 | $ 200,000 | $ 200,000 | $ 190,000 |
| Jacksonville, FL | 1 | $ 97,000 | $ 97,000 | $ 34,000 |
| Johnstown, PA | 1 | $ 28,000 | $ 28,000 | $ 115,000 |
| Kalamazoo-Battle Creek, MI | 1 | $ 224,000 | $ 224,000 | $ 49,000 |
| Lawrence, KS | 1 | $ 153,000 | $ 153,000 | $ 132,000 |
| Longview-Marshall, TX | 1 | $ 74,000 | $ 74,000 | $ 58,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 107,000 | $ 107,000 | $ 59,000 |
| Medford-Ashland, OR | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Melbourne-Titusville-Palm Bay, FL | 1 | $ 106,000 | $ 106,000 | $ 56,000 |
| Miami, FL | 1 | $ 77,000 | $ 77,000 | $ 43,000 |
| Minneapolis-St. Paul, MN-WI | 1 | $ 200,000 | $ 200,000 | $ 75,000 |
| Monmouth-Ocean, NJ | 1 | $ 216,000 | $ 216,000 | $ 403,000 |
| Myrtle Beach, SC | 1 | $ 168,000 | $ 168,000 | $ 129,000 |
| Naples, FL | 1 | $ 200,000 | $ 200,000 | $ 290,000 |
| Newburgh, NY-PA | 1 | $ 305,000 | $ 305,000 | $ 52,000 |
| Ocala, FL | 1 | $ 272,000 | $ 272,000 | $ 46,000 |
| Omaha, NE-IA | 1 | $ 284,000 | $ 284,000 | $ 118,000 |
| Portland, ME | 1 | $ 158,000 | $ 158,000 | $ 110,000 |
| Raleigh-Durham-Chapel Hill, NC | 1 | $ 217,000 | $ 217,000 | $ 100,000 |
| Richmond-Petersburg, VA | 1 | $ 183,000 | $ 183,000 | $ 54,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 1 | $ 410,000 | $ 410,000 | $ 81,000 |
| Savannah, GA | 1 | $ 14,000 | $ 14,000 | $ 48,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 200,000 | $ 200,000 | $ 117,000 |
| Shreveport-Bossier City, LA | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Springfield, MO | 1 | $ 52,000 | $ 52,000 | $ 64,000 |
| St. Joseph, MO | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Topeka, KS | 1 | $ 77,000 | $ 77,000 | $ 21,000 |
| Utica-Rome, NY | 1 | $ 64,000 | $ 64,000 | $ 22,000 |
| Ventura, CA | 1 | $ 197,000 | $ 197,000 | $ 66,000 |
| Waco, TX | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
| Washington, DC-MD-VA-WV | 1 | $ 170,000 | $ 170,000 | $ 103,000 |
| Waterbury, CT | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 111,000 | $ 111,000 | $ 53,000 |
| Wichita, KS | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Generations Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 451 | $73,233,000 | $161,897 | $754,000 | $108,230 | $848,000 |
| Home Purchase (one-to-four family) | 136 | $21,584,000 | $173,000 | $547,000 | $132,592 | $900,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $136,000 | $136,000 | $136,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 455 | $75,369,000 | $177,589 | $754,000 | $140,820 | $848,000 |
| Information not provided by applicant in mail or telephone application | 103 | $15,311,000 | $134,714 | $504,000 | $92,071 | $403,000 |
| Asian or Pacific Islander | 12 | $2,120,000 | $182,333 | $368,000 | $113,500 | $295,000 |
| Black | 8 | $963,000 | $121,400 | $260,000 | $126,200 | $900,000 |
| Hispanic | 7 | $800,000 | $128,800 | $200,000 | $72,200 | $117,000 |
| Other | 2 | $291,000 | $145,500 | $192,000 | $52,500 | $72,000 |
| American Indian or Alaskan Native | 1 | $99,000 | $99,000 | $99,000 | $86,000 | $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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 588 | $94,953,000 | $164,225 | $754,000 | $118,175 | $900,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 344 | $60,916,000 | $193,388 | $754,000 | $134,194 | $848,000 |
| Application Denied By Financial Institution | 146 | $19,551,000 | $133,687 | $547,000 | $93,281 | $900,000 |
| Application Withdrawn By Applicant | 88 | $13,192,000 | $180,080 | $547,000 | $127,680 | $750,000 |
| File Closed For Incompleteness | 10 | $1,294,000 | $119,800 | $255,000 | $84,200 | $158,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 Application Incomplete | 85 | $11,787,000 | $148,125 | $547,000 | $95,666 | $725,000 |
| Credit History | 39 | $4,388,000 | $113,333 | $396,000 | $70,190 | $900,000 |
| Debt-To-Income Ratio | 15 | $2,128,000 | $139,000 | $270,000 | $96,384 | $490,000 |
| Other | 3 | $483,000 | $161,000 | $234,000 | $62,333 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $511,000 | $255,500 | $410,000 | $64,000 | $81,000 |
| Unverifiable Information | 1 | $129,000 | $129,000 | $129,000 | $46,000 | $46,000 |
| Collateral | 1 | $125,000 | $125,000 | $125,000 | $150,000 | $150,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Generations Bank's 2003 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 Generations 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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