Generations Bank Mortgage Lending & HMDA Data, 2004
In 2004, Generations Bank of Overland Park, KS reported 125 mortgage applications totaling $20.0 million, down 79% from 2003. The average application was for $159,896, and applicants reported an average income of $77,672. 79% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Kansas City, MO-KS (19), Denver-Aurora, CO (12) and Virginia Beach-Norfolk-Newport News, VA-NC (5) (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 | 125 |
| Total Mortgage Loan Application Amount | $19,987,000 |
| Average Mortgage Loan Application Amount | $159,896 |
| Highest Mortgage Loan Application Amount | $646,000 |
| Average Applicant Income | $77,672 |
| Highest Applicant Income | $300,000 |
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Act (HMDA) records Generations Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Kansas City, MO-KS | 19 | $ 1,895,000 | $ 99,736 | $ 56,000 |
| Denver-Aurora, CO | 12 | $ 1,988,000 | $ 165,666 | $ 55,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 701,000 | $ 140,200 | $ 77,000 |
| Austin-Round Rock, TX | 4 | $ 660,000 | $ 165,000 | $ 98,000 |
| Houston-Baytown-Sugar Land, TX | 4 | $ 841,000 | $ 210,250 | $ 77,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 356,000 | $ 118,666 | $ 50,000 |
| Dallas-Plano-Irving, TX | 3 | $ 803,000 | $ 267,666 | $ 117,000 |
| Akron, OH | 2 | $ 279,000 | $ 139,500 | $ 48,000 |
| Birmingham-Hoover, AL | 2 | $ 651,000 | $ 325,500 | $ 172,000 |
| Columbia, MO | 2 | $ 115,000 | $ 57,500 | $ 39,000 |
| Greenville, SC | 2 | $ 458,000 | $ 229,000 | $ 127,000 |
| McAllen-Edinburg-Pharr, TX | 2 | $ 504,000 | $ 252,000 | $ 214,000 |
| Pittsburgh, PA | 2 | $ 95,000 | $ 47,500 | $ 44,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 320,000 | $ 160,000 | $ 67,000 |
| St. Louis, MO-IL | 2 | $ 245,000 | $ 122,500 | $ 118,000 |
| Tulsa, OK | 2 | $ 216,000 | $ 108,000 | $ 56,000 |
| Amarillo, TX | 1 | $ 256,000 | $ 256,000 | $ 267,000 |
| Anderson, SC | 1 | $ 80,000 | $ 80,000 | $ 23,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 325,000 | $ 325,000 | $ 60,000 |
| Baltimore-Towson, MD | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 142,000 | $ 142,000 | $ 75,000 |
| Camden, NJ | 1 | $ 147,000 | $ 147,000 | $ 37,000 |
| Charlottesville, VA | 1 | $ 223,000 | $ 223,000 | $ 85,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 270,000 | $ 270,000 | $ 83,000 |
| Columbus, OH | 1 | $ 134,000 | $ 134,000 | $ 75,000 |
| Decatur, AL | 1 | $ 182,000 | $ 182,000 | $ 122,000 |
| Fort Collins-Loveland, CO | 1 | $ 208,000 | $ 208,000 | $ 62,000 |
| Fort Worth-Arlington, TX | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
| Grand Junction, CO | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Greeley, CO | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 460,000 | $ 460,000 | $ 172,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 136,000 | $ 136,000 | $ 35,000 |
| Monroe, LA | 1 | $ 140,000 | $ 140,000 | $ 51,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 95,000 | $ 95,000 | $ 121,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 646,000 | $ 646,000 | $ 157,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 291,000 | $ 291,000 | $ 100,000 |
| Punta Gorda, FL | 1 | $ 117,000 | $ 117,000 | $ 85,000 |
| Roanoke, VA | 1 | $ 128,000 | $ 128,000 | $ 133,000 |
| San Antonio, TX | 1 | $ 180,000 | $ 180,000 | $ 92,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 463,000 | $ 463,000 | $ 157,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 17,000 | $ 17,000 | $ 65,000 |
| Tacoma, WA | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 46,000 | $ 46,000 | $ 17,000 |
| Vallejo-Fairfield, CA | 1 | $ 253,000 | $ 253,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Generations Bank in 2004
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 | 86 | $14,274,000 | $161,956 | $646,000 | $74,260 | $300,000 |
| Home Purchase | 37 | $5,405,000 | $170,307 | $560,000 | $95,230 | $236,000 |
| Home Improvement | 2 | $308,000 | $154,000 | $198,000 | $61,000 | $85,000 |
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 | 90 | $13,292,000 | $153,272 | $560,000 | $86,772 | $267,000 |
| Not Provided | 17 | $2,834,000 | $165,000 | $325,000 | $59,833 | $120,000 |
| Hispanic | 9 | $2,348,000 | $229,200 | $646,000 | $98,200 | $214,000 |
| Black or African American | 5 | $1,001,000 | $225,000 | $525,000 | $119,250 | $300,000 |
| Asian | 3 | $383,000 | $99,500 | $184,000 | $61,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $129,000 | $129,000 | $129,000 | $54,000 | $54,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 125 | $19,987,000 | $162,153 | $646,000 | $79,538 | $300,000 |
| 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 | 99 | $15,083,000 | $164,217 | $560,000 | $86,391 | $267,000 |
| Application Denied By Financial Institution | 12 | $2,189,000 | $170,142 | $325,000 | $59,428 | $214,000 |
| Application Approved But Not Accepted | 9 | $1,698,000 | $163,166 | $646,000 | $73,500 | $157,000 |
| Application Withdrawn By Applicant | 3 | $798,000 | $266,000 | $525,000 | $131,666 | $300,000 |
| File Closed For Incompleteness | 2 | $219,000 | $109,500 | $139,000 | $46,500 | $70,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 7 | $1,037,000 | $148,142 | $325,000 | $58,285 | $120,000 |
| Unverifiable Information | 2 | $504,000 | $252,000 | $252,000 | $214,000 | $214,000 |
| Debt-To-Income Ratio | 1 | $183,000 | $183,000 | $183,000 | $76,000 | $76,000 |
| Employment History | 1 | $281,000 | $281,000 | $281,000 | $62,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $184,000 | $184,000 | $184,000 | $60,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Generations Bank's 2004 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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