Corefirst Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Corefirst Bank & Trust of Topeka, KS reported 706 mortgage applications totaling $125.8 million, up 4% from 2020. The average application was for $178,130, and applicants reported an average income of $99,824. 69% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Topeka, KS (471), Kansas City, MO-KS (87) and Denver-Aurora-Lakewood, CO (17) (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 | 706 |
| Total Mortgage Loan Application Amount | $125,760,000 |
| Average Mortgage Loan Application Amount | $178,130 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $99,824 |
| Highest Applicant Income | $862,000 |
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(HMDA) records Corefirst Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 425 | $ 51,125,000 | $ 120,294 | $ 96,000 |
| Johnson, Kansas | 44 | $ 10,900,000 | $ 247,727 | $ 132,000 |
| Jackson, Missouri | 24 | $ 19,000,000 | $ 791,666 | $ 197,000 |
| Jefferson, Kansas | 17 | $ 1,705,000 | $ 100,294 | $ 85,000 |
| Wabaunsee, Kansas | 14 | $ 1,480,000 | $ 105,714 | $ 76,000 |
| Jackson, Kansas | 8 | $ 1,050,000 | $ 131,250 | $ 85,000 |
| Wyandotte, Kansas | 8 | $ 4,590,000 | $ 573,750 | $ 94,000 |
| Douglas, Kansas | 7 | $ 1,375,000 | $ 196,428 | $ 86,000 |
| Lyon, Kansas | 7 | $ 865,000 | $ 123,571 | $ 85,000 |
| Osage, Kansas | 7 | $ 1,025,000 | $ 146,428 | $ 156,000 |
| Denver, Colorado | 5 | $ 3,205,000 | $ 641,000 | $ 423,000 |
| Douglas, Colorado | 4 | $ 690,000 | $ 172,500 | $ 99,000 |
| Platte, Missouri | 4 | $ 1,110,000 | $ 277,500 | $ 211,000 |
| Adams, Colorado | 3 | $ 155,000 | $ 51,666 | $ 150,000 |
| Franklin, Kansas | 3 | $ 755,000 | $ 251,666 | $ 0 |
| Clay, Missouri | 3 | $ 2,325,000 | $ 775,000 | $ 103,000 |
| Arapahoe, Colorado | 2 | $ 810,000 | $ 405,000 | $ 162,000 |
| Jefferson, Colorado | 2 | $ 620,000 | $ 310,000 | $ 140,000 |
| Weld, Colorado | 2 | $ 760,000 | $ 380,000 | $ 85,000 |
| Leavenworth, Kansas | 2 | $ 420,000 | $ 210,000 | $ 59,000 |
| Riley, Kansas | 2 | $ 360,000 | $ 180,000 | $ 111,000 |
| Gilpin, Colorado | 1 | $ 565,000 | $ 565,000 | $ 147,000 |
| Coffey, Kansas | 1 | $ 305,000 | $ 305,000 | $ 209,000 |
| Linn, Kansas | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Buchanan, Missouri | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Camden, Missouri | 1 | $ 835,000 | $ 835,000 | $ 281,000 |
| Cass, Missouri | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| Pulaski, Missouri | 1 | $ 245,000 | $ 245,000 | $ 195,000 |
| Stone, Missouri | 1 | $ 155,000 | $ 155,000 | $ 178,000 |
Mortgage Loan Application Detail Totals for Corefirst Bank & Trust in 2021
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 | 254 | $66,870,000 | $263,000 | $4,505,000 | $102,000 | $790,000 |
| Cash-out Refinancing | 158 | $27,510,000 | $174,000 | $1,825,000 | $100,000 | $412,000 |
| Home Improvement | 118 | $6,910,000 | $58,000 | $505,000 | $94,000 | $325,000 |
| Refinancing | 116 | $19,990,000 | $172,000 | $1,005,000 | $96,000 | $281,000 |
| Other Purpose | 60 | $4,480,000 | $74,000 | $445,000 | $109,000 | $862,000 |
| Not Applicable | 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 | 470 | $65,760,000 | $139,000 | $1,655,000 | $103,000 | $862,000 |
| Not Provided | 83 | $16,775,000 | $202,000 | $1,005,000 | $107,000 | $360,000 |
| Not applicable | 71 | $35,035,000 | $493,000 | $4,505,000 | $0 | $0 |
| Hispanic | 47 | $4,005,000 | $85,000 | $255,000 | $67,000 | $238,000 |
| Black or African American | 20 | $1,520,000 | $76,000 | $375,000 | $65,000 | $218,000 |
| Asian | 9 | $1,465,000 | $162,000 | $425,000 | $97,000 | $160,000 |
| American Indian or Alaskan Native | 5 | $395,000 | $79,000 | $175,000 | $102,000 | $163,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 706 | $125,760,000 | $178,000 | $4,505,000 | $100,000 | $862,000 |
| 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 | 485 | $86,245,000 | $177,000 | $4,445,000 | $106,000 | $582,000 |
| Preapproval Approved but not Accepted | 89 | $15,195,000 | $170,000 | $825,000 | $80,000 | $790,000 |
| Application Approved But Not Accepted | 66 | $15,600,000 | $236,000 | $4,505,000 | $116,000 | $862,000 |
| Application Denied By Financial Institution | 50 | $5,410,000 | $108,000 | $385,000 | $61,000 | $372,000 |
| Preapproval Denied by Financial Institution | 16 | $3,310,000 | $206,000 | $455,000 | $96,000 | $240,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 640 | $117,040,000 | $182,000 | $4,505,000 | $103,000 | $862,000 |
| Credit History | 39 | $4,775,000 | $122,000 | $405,000 | $70,000 | $240,000 |
| Debt-To-Income Ratio | 26 | $3,580,000 | $137,000 | $455,000 | $68,000 | $372,000 |
| Collateral | 1 | $365,000 | $365,000 | $365,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Corefirst Bank & Trust's 2021 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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