Corefirst Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Corefirst Bank & Trust of Topeka, KS reported 1,350 mortgage applications totaling $79.3 million, down 11% from 2003. The average application was for $58,771, and applicants reported an average income of $60,177. 67% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Topeka, KS (731), Kansas City, MO-KS (43) and Lawrence, KS (16) (applications in parentheses).
| Mortgage Company & Address | Corefirst Bank & Trust 3035 S Topeka Blvd Topeka, KS 66611 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,350 |
| Total Mortgage Loan Application Amount | $79,341,000 |
| Average Mortgage Loan Application Amount | $58,771 |
| Highest Mortgage Loan Application Amount | $3,200,000 |
| Average Applicant Income | $60,177 |
| Highest Applicant Income | $1,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Corefirst Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Shawnee, Kansas | 647 | $ 45,182,000 | $ 69,833 | $ 52,000 |
| Lyon, Kansas | 181 | $ 10,484,000 | $ 57,922 | $ 64,000 |
| Osage, Kansas | 34 | $ 1,916,000 | $ 56,352 | $ 53,000 |
| Jefferson, Kansas | 21 | $ 735,000 | $ 35,000 | $ 96,000 |
| Jackson, Missouri | 19 | $ 364,000 | $ 19,157 | $ 32,000 |
| Douglas, Kansas | 16 | $ 1,166,000 | $ 72,875 | $ 165,000 |
| Wabaunsee, Kansas | 16 | $ 1,042,000 | $ 65,125 | $ 71,000 |
| Jackson, Kansas | 15 | $ 1,126,000 | $ 75,066 | $ 40,000 |
| Clay, Missouri | 9 | $ 151,000 | $ 16,777 | $ 44,000 |
| Cass, Missouri | 8 | $ 176,000 | $ 22,000 | $ 35,000 |
| Coffey, Kansas | 6 | $ 496,000 | $ 82,666 | $ 79,000 |
| Greenwood, Kansas | 6 | $ 389,000 | $ 64,833 | $ 42,000 |
| Chase, Kansas | 4 | $ 153,000 | $ 38,250 | $ 35,000 |
| Leavenworth, Kansas | 4 | $ 88,000 | $ 22,000 | $ 51,000 |
| Pottawatomie, Kansas | 4 | $ 300,000 | $ 75,000 | $ 78,000 |
| Sedgwick, Kansas | 4 | $ 115,000 | $ 28,750 | $ 227,000 |
| Wyandotte, Kansas | 4 | $ 58,000 | $ 14,500 | $ 44,000 |
| Franklin, Kansas | 3 | $ 139,000 | $ 46,333 | $ 58,000 |
| Johnson, Kansas | 3 | $ 56,000 | $ 18,666 | $ 89,000 |
| Riley, Kansas | 3 | $ 122,000 | $ 40,666 | $ 37,000 |
| Ray, Missouri | 3 | $ 53,000 | $ 17,666 | $ 55,000 |
| Lafayette, Missouri | 2 | $ 74,000 | $ 37,000 | $ 34,000 |
| Volusia, Florida | 1 | $ 70,000 | $ 70,000 | $ 59,000 |
| Butler, Kansas | 1 | $ 88,000 | $ 88,000 | $ 70,000 |
| Doniphan, Kansas | 1 | $ 47,000 | $ 47,000 | $ 31,000 |
| Harper, Kansas | 1 | $ 13,000 | $ 13,000 | $ 14,000 |
| Linn, Kansas | 1 | $ 17,000 | $ 17,000 | $ 43,000 |
| Miami, Kansas | 1 | $ 244,000 | $ 244,000 | $ 112,000 |
| Andrew, Missouri | 1 | $ 19,000 | $ 19,000 | $ 76,000 |
| Benton, Missouri | 1 | $ 22,000 | $ 22,000 | $ 88,000 |
| Caldwell, Missouri | 1 | $ 7,000 | $ 7,000 | $ 18,000 |
| Gentry, Missouri | 1 | $ 13,000 | $ 13,000 | $ 65,000 |
| Johnson, Missouri | 1 | $ 19,000 | $ 19,000 | $ 21,000 |
| Macon, Missouri | 1 | $ 22,000 | $ 22,000 | $ 61,000 |
| Platte, Missouri | 1 | $ 17,000 | $ 17,000 | $ 24,000 |
| Vernon, Missouri | 1 | $ 17,000 | $ 17,000 | $ 26,000 |
Mortgage Loan Application Detail Totals for Corefirst Bank & Trust 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 674 | $34,749,000 | $48,500 | $503,000 | $55,750 | $1,000,000 |
| Home Improvement | 347 | $12,478,000 | $26,500 | $3,200,000 | $67,000 | $706,000 |
| Refinancing | 329 | $32,114,000 | $97,500 | $1,079,000 | $62,500 | $653,000 |
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 | 892 | $59,640,000 | $52,500 | $1,079,000 | $63,000 | $1,000,000 |
| Not Provided | 288 | $8,482,000 | $26,333 | $255,000 | $52,666 | $503,000 |
| Hispanic | 98 | $4,277,000 | $39,000 | $184,000 | $47,666 | $130,000 |
| Black or African American | 30 | $759,000 | $24,666 | $85,000 | $25,666 | $100,000 |
| Not applicable | 22 | $4,543,000 | $100,000 | $3,200,000 | $71,000 | $880,000 |
| American Indian or Alaskan Native | 13 | $653,000 | $51,500 | $112,000 | $41,000 | $134,000 |
| Asian | 6 | $860,000 | $128,500 | $500,000 | $74,500 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $127,000 | $127,000 | $127,000 | $41,000 | $41,000 |
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) | 1,348 | $79,291,000 | $49,500 | $3,200,000 | $55,250 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 1 | $2,000 | $2,000 | $2,000 | $36,000 | $36,000 |
| VA-guaranteed (Veterans Administration) | 1 | $48,000 | $48,000 | $48,000 | $115,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 911 | $59,226,000 | $54,500 | $3,200,000 | $60,500 | $880,000 |
| Application Denied By Financial Institution | 302 | $11,238,000 | $37,000 | $1,000,000 | $44,500 | $706,000 |
| Application Withdrawn By Applicant | 120 | $7,847,000 | $70,500 | $330,000 | $79,000 | $1,000,000 |
| File Closed For Incompleteness | 14 | $968,000 | $68,500 | $145,000 | $44,000 | $84,000 |
| Application Approved But Not Accepted | 3 | $62,000 | $20,000 | $45,000 | $52,000 | $73,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Corefirst Bank & Trust'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 Corefirst Bank & Trust'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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