Corefirst Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Corefirst Bank & Trust of Topeka, KS reported 629 mortgage applications totaling $75.3 million, down 50% from 2008. The average application was for $119,678, and applicants reported an average income of $74,475. 59% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Topeka, KS (321), Kansas City, MO-KS (50) and Lawrence, KS (13) (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 | 629 |
| Total Mortgage Loan Application Amount | $75,278,000 |
| Average Mortgage Loan Application Amount | $119,678 |
| Highest Mortgage Loan Application Amount | $1,700,000 |
| Average Applicant Income | $74,475 |
| Highest Applicant Income | $1,150,000 |
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(HMDA) records Corefirst Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 279 | $ 32,046,000 | $ 114,860 | $ 88,000 |
| Lyon, Kansas | 125 | $ 12,143,000 | $ 97,144 | $ 65,000 |
| Johnson, Kansas | 15 | $ 3,701,000 | $ 246,733 | $ 107,000 |
| Osage, Kansas | 15 | $ 1,821,000 | $ 121,400 | $ 61,000 |
| Douglas, Kansas | 13 | $ 2,166,000 | $ 166,615 | $ 57,000 |
| Wabaunsee, Kansas | 13 | $ 1,663,000 | $ 127,923 | $ 83,000 |
| Geary, Kansas | 11 | $ 2,566,000 | $ 233,272 | $ 0 |
| Jefferson, Kansas | 9 | $ 1,165,000 | $ 129,444 | $ 71,000 |
| Coffey, Kansas | 8 | $ 1,260,000 | $ 157,500 | $ 79,000 |
| Miami, Kansas | 7 | $ 1,003,000 | $ 143,285 | $ 68,000 |
| Wyandotte, Kansas | 7 | $ 864,000 | $ 123,428 | $ 71,000 |
| Clay, Missouri | 7 | $ 251,000 | $ 35,857 | $ 59,000 |
| Jackson, Missouri | 6 | $ 2,482,000 | $ 413,666 | $ 42,000 |
| Jackson, Kansas | 5 | $ 416,000 | $ 83,200 | $ 60,000 |
| Franklin, Kansas | 4 | $ 2,049,000 | $ 512,250 | $ 47,000 |
| Chase, Kansas | 3 | $ 159,000 | $ 53,000 | $ 31,000 |
| Linn, Kansas | 3 | $ 245,000 | $ 81,666 | $ 62,000 |
| Arapahoe, Colorado | 2 | $ 532,000 | $ 266,000 | $ 83,000 |
| Crawford, Kansas | 2 | $ 1,508,000 | $ 754,000 | $ 0 |
| Greenwood, Kansas | 2 | $ 361,000 | $ 180,500 | $ 26,000 |
| Morris, Kansas | 2 | $ 192,000 | $ 96,000 | $ 46,000 |
| Benton, Arkansas | 1 | $ 406,000 | $ 406,000 | $ 693,000 |
| Douglas, Colorado | 1 | $ 77,000 | $ 77,000 | $ 34,000 |
| Anderson, Kansas | 1 | $ 85,000 | $ 85,000 | $ 79,000 |
| Pottawatomie, Kansas | 1 | $ 28,000 | $ 28,000 | $ 73,000 |
| Russell, Kansas | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Wilson, Kansas | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Lafayette, Missouri | 1 | $ 21,000 | $ 21,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Corefirst Bank & Trust in 2009
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 | 382 | $51,357,000 | $134,000 | $1,700,000 | $83,000 | $1,150,000 |
| Home Purchase | 239 | $23,792,000 | $99,000 | $1,700,000 | $61,000 | $832,000 |
| Home Improvement | 8 | $129,000 | $16,000 | $33,000 | $70,000 | $134,000 |
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 | 380 | $41,954,000 | $110,000 | $855,000 | $86,000 | $1,150,000 |
| Not Provided | 157 | $17,126,000 | $109,000 | $680,000 | $71,000 | $246,000 |
| Not applicable | 42 | $11,521,000 | $274,000 | $1,700,000 | $0 | $0 |
| Hispanic | 29 | $2,164,000 | $74,000 | $212,000 | $48,000 | $137,000 |
| Black or African American | 12 | $1,166,000 | $97,000 | $267,000 | $66,000 | $124,000 |
| Asian | 6 | $437,000 | $72,000 | $170,000 | $68,000 | $115,000 |
| American Indian or Alaskan Native | 2 | $110,000 | $55,000 | $60,000 | $35,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $800,000 | $800,000 | $800,000 | $480,000 | $480,000 |
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) | 629 | $75,278,000 | $119,000 | $1,700,000 | $75,000 | $1,150,000 |
| 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 | 369 | $50,055,000 | $135,000 | $1,700,000 | $80,000 | $1,150,000 |
| Application Denied By Financial Institution | 138 | $8,786,000 | $63,000 | $680,000 | $54,000 | $421,000 |
| Application Approved But Not Accepted | 73 | $10,303,000 | $141,000 | $800,000 | $95,000 | $832,000 |
| Preapproval Denied by Financial Institution | 27 | $2,808,000 | $104,000 | $219,000 | $39,000 | $91,000 |
| Application Withdrawn By Applicant | 11 | $1,236,000 | $112,000 | $650,000 | $67,000 | $200,000 |
| Preapproval Approved but not Accepted | 10 | $2,030,000 | $203,000 | $855,000 | $109,000 | $440,000 |
| File Closed For Incompleteness | 1 | $60,000 | $60,000 | $60,000 | $214,000 | $214,000 |
| Loan Purchased By The 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 History | 92 | $4,223,000 | $45,000 | $250,000 | $52,000 | $421,000 |
| Debt-To-Income Ratio | 42 | $4,383,000 | $104,000 | $680,000 | $50,000 | $246,000 |
| Collateral | 13 | $1,208,000 | $92,000 | $212,000 | $67,000 | $137,000 |
| Other | 11 | $936,000 | $85,000 | $152,000 | $43,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $525,000 | $175,000 | $250,000 | $87,000 | $134,000 |
| Mortgage Insurance Denied | 3 | $256,000 | $85,000 | $114,000 | $25,000 | $42,000 |
| Employment History | 1 | $63,000 | $63,000 | $63,000 | $20,000 | $20,000 |
| Credit Application Incomplete | 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 2009 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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