Corefirst Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Corefirst Bank & Trust of Topeka, KS reported 474 mortgage applications totaling $68.9 million, up 40% from 2015. The average application was for $145,348, and applicants reported an average income of $62,569. 31% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Topeka, KS (186), Kansas City, MO-KS (18) and Denver-Aurora-Lakewood, CO (7) (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 | 474 |
| Total Mortgage Loan Application Amount | $68,895,000 |
| Average Mortgage Loan Application Amount | $145,348 |
| Highest Mortgage Loan Application Amount | $7,455,000 |
| Average Applicant Income | $62,569 |
| Highest Applicant Income | $1,205,000 |
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(HMDA) records Corefirst Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 163 | $ 21,690,000 | $ 133,067 | $ 66,000 |
| Osage, Kansas | 11 | $ 956,000 | $ 86,909 | $ 72,000 |
| Jackson, Missouri | 11 | $ 3,860,000 | $ 350,909 | $ 33,000 |
| Jefferson, Kansas | 5 | $ 553,000 | $ 110,600 | $ 60,000 |
| Rapides, Louisiana | 5 | $ 185,000 | $ 37,000 | $ 44,000 |
| Johnson, Kansas | 4 | $ 8,328,000 | $ 2,082,000 | $ 99,000 |
| Lyon, Kansas | 4 | $ 585,000 | $ 146,250 | $ 78,000 |
| Wabaunsee, Kansas | 4 | $ 419,000 | $ 104,750 | $ 53,000 |
| Hale, Alabama | 3 | $ 115,000 | $ 38,333 | $ 30,000 |
| White, Arkansas | 3 | $ 109,000 | $ 36,333 | $ 40,000 |
| Denver, Colorado | 3 | $ 2,204,000 | $ 734,666 | $ 100,000 |
| Jackson, Kansas | 3 | $ 222,000 | $ 74,000 | $ 62,000 |
| Wyandotte, Kansas | 3 | $ 533,000 | $ 177,666 | $ 27,000 |
| Lafayette, Louisiana | 3 | $ 120,000 | $ 40,000 | $ 89,000 |
| Livingston, Louisiana | 3 | $ 105,000 | $ 35,000 | $ 67,000 |
| Oconee, South Carolina | 3 | $ 109,000 | $ 36,333 | $ 63,000 |
| Adams, Colorado | 2 | $ 5,102,000 | $ 2,551,000 | $ 0 |
| Douglas, Colorado | 2 | $ 549,000 | $ 274,500 | $ 21,000 |
| Effingham, Georgia | 2 | $ 66,000 | $ 33,000 | $ 28,000 |
| Gilmer, Georgia | 2 | $ 55,000 | $ 27,500 | $ 18,000 |
| Lincoln, Georgia | 2 | $ 66,000 | $ 33,000 | $ 45,000 |
| Pottawatomie, Kansas | 2 | $ 260,000 | $ 130,000 | $ 57,000 |
| Ascension, Louisiana | 2 | $ 60,000 | $ 30,000 | $ 112,000 |
| Bossier, Louisiana | 2 | $ 89,000 | $ 44,500 | $ 69,000 |
| Sabine, Louisiana | 2 | $ 80,000 | $ 40,000 | $ 77,000 |
| St. Landry, Louisiana | 2 | $ 63,000 | $ 31,500 | $ 30,000 |
| Kemper, Mississippi | 2 | $ 85,000 | $ 42,500 | $ 43,000 |
| Loudon, Tennessee | 2 | $ 63,000 | $ 31,500 | $ 43,000 |
| Meigs, Tennessee | 2 | $ 63,000 | $ 31,500 | $ 63,000 |
| Bibb, Alabama | 1 | $ 27,000 | $ 27,000 | $ 22,000 |
| Blount, Alabama | 1 | $ 71,000 | $ 71,000 | $ 43,000 |
| Cullman, Alabama | 1 | $ 37,000 | $ 37,000 | $ 133,000 |
| Etowah, Alabama | 1 | $ 31,000 | $ 31,000 | $ 18,000 |
| Fayette, Alabama | 1 | $ 39,000 | $ 39,000 | $ 31,000 |
| Henry, Alabama | 1 | $ 17,000 | $ 17,000 | $ 72,000 |
| Marengo, Alabama | 1 | $ 21,000 | $ 21,000 | $ 40,000 |
| Perry, Alabama | 1 | $ 31,000 | $ 31,000 | $ 20,000 |
| Pickens, Alabama | 1 | $ 30,000 | $ 30,000 | $ 21,000 |
| Shelby, Alabama | 1 | $ 35,000 | $ 35,000 | $ 45,000 |
| St. Clair, Alabama | 1 | $ 33,000 | $ 33,000 | $ 116,000 |
| Baxter, Arkansas | 1 | $ 29,000 | $ 29,000 | $ 85,000 |
| Benton, Arkansas | 1 | $ 39,000 | $ 39,000 | $ 46,000 |
| Chicot, Arkansas | 1 | $ 41,000 | $ 41,000 | $ 33,000 |
| Cleburne, Arkansas | 1 | $ 34,000 | $ 34,000 | $ 69,000 |
| Columbia, Arkansas | 1 | $ 34,000 | $ 34,000 | $ 68,000 |
| Faulkner, Arkansas | 1 | $ 33,000 | $ 33,000 | $ 26,000 |
| Franklin, Arkansas | 1 | $ 33,000 | $ 33,000 | $ 18,000 |
| Grant, Arkansas | 1 | $ 49,000 | $ 49,000 | $ 36,000 |
| Izard, Arkansas | 1 | $ 31,000 | $ 31,000 | $ 86,000 |
| Jackson, Arkansas | 1 | $ 15,000 | $ 15,000 | $ 14,000 |
| Nevada, Arkansas | 1 | $ 51,000 | $ 51,000 | $ 121,000 |
| Pulaski, Arkansas | 1 | $ 26,000 | $ 26,000 | $ 18,000 |
| Randolph, Arkansas | 1 | $ 37,000 | $ 37,000 | $ 31,000 |
| Pitkin, Colorado | 1 | $ 2,500,000 | $ 2,500,000 | $ 1,205,000 |
| Brantley, Georgia | 1 | $ 40,000 | $ 40,000 | $ 54,000 |
| Bulloch, Georgia | 1 | $ 30,000 | $ 30,000 | $ 46,000 |
| Burke, Georgia | 1 | $ 43,000 | $ 43,000 | $ 33,000 |
| Clinch, Georgia | 1 | $ 44,000 | $ 44,000 | $ 38,000 |
| Cook, Georgia | 1 | $ 48,000 | $ 48,000 | $ 27,000 |
| Decatur, Georgia | 1 | $ 42,000 | $ 42,000 | $ 29,000 |
| Heard, Georgia | 1 | $ 19,000 | $ 19,000 | $ 38,000 |
| Marion, Georgia | 1 | $ 28,000 | $ 28,000 | $ 43,000 |
| Peach, Georgia | 1 | $ 64,000 | $ 64,000 | $ 90,000 |
| Union, Georgia | 1 | $ 32,000 | $ 32,000 | $ 21,000 |
| Douglas, Kansas | 1 | $ 581,000 | $ 581,000 | $ 278,000 |
| Riley, Kansas | 1 | $ 137,000 | $ 137,000 | $ 52,000 |
| Allen, Louisiana | 1 | $ 35,000 | $ 35,000 | $ 21,000 |
| Beauregard, Louisiana | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Caddo, Louisiana | 1 | $ 46,000 | $ 46,000 | $ 66,000 |
| Calcasieu, Louisiana | 1 | $ 43,000 | $ 43,000 | $ 68,000 |
| Grant, Louisiana | 1 | $ 32,000 | $ 32,000 | $ 63,000 |
| Iberville, Louisiana | 1 | $ 27,000 | $ 27,000 | $ 34,000 |
| Jackson, Louisiana | 1 | $ 47,000 | $ 47,000 | $ 87,000 |
| Ouachita, Louisiana | 1 | $ 43,000 | $ 43,000 | $ 60,000 |
| St. Martin, Louisiana | 1 | $ 38,000 | $ 38,000 | $ 74,000 |
| Tangipahoa, Louisiana | 1 | $ 34,000 | $ 34,000 | $ 23,000 |
| Terrebonne, Louisiana | 1 | $ 42,000 | $ 42,000 | $ 103,000 |
| West Carroll, Louisiana | 1 | $ 50,000 | $ 50,000 | $ 93,000 |
| Covington, Mississippi | 1 | $ 38,000 | $ 38,000 | $ 139,000 |
| Hinds, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Leake, Mississippi | 1 | $ 32,000 | $ 32,000 | $ 36,000 |
| Lee, Mississippi | 1 | $ 23,000 | $ 23,000 | $ 24,000 |
| Oktibbeha, Mississippi | 1 | $ 33,000 | $ 33,000 | $ 135,000 |
| Simpson, Mississippi | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
| Eddy, New Mexico | 1 | $ 59,000 | $ 59,000 | $ 78,000 |
| Lincoln, New Mexico | 1 | $ 31,000 | $ 31,000 | $ 53,000 |
| Anson, North Carolina | 1 | $ 44,000 | $ 44,000 | $ 22,000 |
| Henderson, North Carolina | 1 | $ 36,000 | $ 36,000 | $ 97,000 |
| Hoke, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Johnston, North Carolina | 1 | $ 67,000 | $ 67,000 | $ 51,000 |
| Lee, North Carolina | 1 | $ 53,000 | $ 53,000 | $ 71,000 |
| Aiken, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Anderson, South Carolina | 1 | $ 28,000 | $ 28,000 | $ 56,000 |
| Edgefield, South Carolina | 1 | $ 24,000 | $ 24,000 | $ 80,000 |
| Florence, South Carolina | 1 | $ 33,000 | $ 33,000 | $ 20,000 |
| Horry, South Carolina | 1 | $ 44,000 | $ 44,000 | $ 50,000 |
| Lee, South Carolina | 1 | $ 41,000 | $ 41,000 | $ 21,000 |
| Orangeburg, South Carolina | 1 | $ 46,000 | $ 46,000 | $ 17,000 |
| Chester, Tennessee | 1 | $ 33,000 | $ 33,000 | $ 13,000 |
| Claiborne, Tennessee | 1 | $ 68,000 | $ 68,000 | $ 56,000 |
| Dyer, Tennessee | 1 | $ 38,000 | $ 38,000 | $ 50,000 |
| Hamilton, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Haywood, Tennessee | 1 | $ 23,000 | $ 23,000 | $ 23,000 |
| Hickman, Tennessee | 1 | $ 28,000 | $ 28,000 | $ 50,000 |
| Madison, Tennessee | 1 | $ 39,000 | $ 39,000 | $ 32,000 |
| Maury, Tennessee | 1 | $ 62,000 | $ 62,000 | $ 85,000 |
| Robertson, Tennessee | 1 | $ 37,000 | $ 37,000 | $ 22,000 |
| Washington, Tennessee | 1 | $ 26,000 | $ 26,000 | $ 12,000 |
| Caldwell, Texas | 1 | $ 49,000 | $ 49,000 | $ 23,000 |
| Chambers, Texas | 1 | $ 47,000 | $ 47,000 | $ 108,000 |
| Cherokee, Texas | 1 | $ 43,000 | $ 43,000 | $ 39,000 |
| El Paso, Texas | 1 | $ 37,000 | $ 37,000 | $ 21,000 |
| Guadalupe, Texas | 1 | $ 32,000 | $ 32,000 | $ 22,000 |
| Harrison, Texas | 1 | $ 26,000 | $ 26,000 | $ 180,000 |
| Lubbock, Texas | 1 | $ 27,000 | $ 27,000 | $ 66,000 |
| San Jacinto, Texas | 1 | $ 32,000 | $ 32,000 | $ 49,000 |
| Tyler, Texas | 1 | $ 48,000 | $ 48,000 | $ 84,000 |
| Waller, Texas | 1 | $ 26,000 | $ 26,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Corefirst Bank & Trust in 2016
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 | 341 | $49,352,000 | $144,000 | $7,455,000 | $60,000 | $1,205,000 |
| Refinancing | 105 | $14,562,000 | $138,000 | $830,000 | $70,000 | $490,000 |
| Home Improvement | 28 | $4,981,000 | $177,000 | $845,000 | $66,000 | $167,000 |
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 | 324 | $31,471,000 | $97,000 | $830,000 | $61,000 | $564,000 |
| Not Provided | 66 | $11,957,000 | $181,000 | $2,500,000 | $100,000 | $1,205,000 |
| Hispanic | 36 | $2,349,000 | $65,000 | $250,000 | $44,000 | $111,000 |
| Black or African American | 20 | $1,978,000 | $98,000 | $462,000 | $57,000 | $250,000 |
| Not applicable | 19 | $20,118,000 | $1,058,000 | $7,455,000 | $0 | $0 |
| Asian | 6 | $755,000 | $125,000 | $190,000 | $65,000 | $115,000 |
| American Indian or Alaskan Native | 2 | $214,000 | $107,000 | $179,000 | $72,000 | $122,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $53,000 | $53,000 | $53,000 | $56,000 | $56,000 |
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) | 474 | $68,895,000 | $145,000 | $7,455,000 | $63,000 | $1,205,000 |
| 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 | 148 | $38,337,000 | $259,000 | $7,455,000 | $72,000 | $1,205,000 |
| Loan Purchased By The Institution | 126 | $4,787,000 | $37,000 | $115,000 | $53,000 | $180,000 |
| Preapproval Approved but not Accepted | 72 | $9,479,000 | $131,000 | $417,000 | $68,000 | $564,000 |
| Preapproval Denied by Financial Institution | 56 | $6,150,000 | $109,000 | $274,000 | $49,000 | $268,000 |
| Application Denied By Financial Institution | 46 | $6,377,000 | $138,000 | $830,000 | $66,000 | $300,000 |
| Application Approved But Not Accepted | 26 | $3,765,000 | $144,000 | $607,000 | $67,000 | $167,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 52 | $6,377,000 | $122,000 | $830,000 | $70,000 | $300,000 |
| Debt-To-Income Ratio | 37 | $4,867,000 | $131,000 | $370,000 | $40,000 | $113,000 |
| Employment History | 6 | $393,000 | $65,000 | $95,000 | $29,000 | $61,000 |
| Collateral | 6 | $480,000 | $80,000 | $173,000 | $69,000 | $106,000 |
| Unverifiable Information | 1 | $410,000 | $410,000 | $410,000 | $123,000 | $123,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Corefirst Bank & Trust's 2016 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.
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