Corefirst Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Corefirst Bank & Trust of Topeka, KS reported 1,268 mortgage applications totaling $107.1 million, down 18% from 2007. The average application was for $84,495, and applicants reported an average income of $38,232. 33% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Topeka, KS (363), Kansas City, MO-KS (66) and San Jose-Sunnyvale-Santa Clara, CA (46) (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 | 1,268 |
| Total Mortgage Loan Application Amount | $107,140,000 |
| Average Mortgage Loan Application Amount | $84,495 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $38,232 |
| Highest Applicant Income | $750,000 |
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(HMDA) records Corefirst Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Topeka, KS | 363 | $ 38,218,000 | $ 105,283 | $ 70,000 |
| Kansas City, MO-KS | 66 | $ 6,126,000 | $ 92,818 | $ 54,393 |
| San Jose-Sunnyvale-Santa Clara, CA | 46 | $ 4,720,000 | $ 102,608 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 31 | $ 2,616,000 | $ 84,387 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 30 | $ 2,371,000 | $ 79,033 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 26 | $ 1,775,000 | $ 68,269 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 23 | $ 1,728,000 | $ 75,130 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 19 | $ 846,000 | $ 44,526 | $ 0 |
| Oakland-Fremont-Hayward, CA | 18 | $ 1,624,000 | $ 90,222 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 15 | $ 853,000 | $ 56,866 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 12 | $ 775,000 | $ 64,583 | $ 0 |
| Lawrence, KS | 11 | $ 1,118,000 | $ 101,636 | $ 56,000 |
| Tulsa, OK | 9 | $ 457,000 | $ 50,777 | $ 0 |
| Santa Rosa-Petaluma, CA | 8 | $ 547,000 | $ 68,375 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 7 | $ 872,000 | $ 124,571 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 6 | $ 269,000 | $ 44,833 | $ 0 |
| Oklahoma City, OK | 6 | $ 290,000 | $ 48,333 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 805,000 | $ 134,166 | $ 0 |
| Shreveport-Bossier City, LA | 6 | $ 209,000 | $ 34,833 | $ 0 |
| Fort Smith, AR-OK | 5 | $ 323,000 | $ 64,600 | $ 0 |
| Stockton, CA | 5 | $ 558,000 | $ 111,600 | $ 0 |
| Alexandria, LA | 4 | $ 218,000 | $ 54,500 | $ 0 |
| Las Vegas-Paradise, NV | 4 | $ 155,000 | $ 38,750 | $ 0 |
| Pine Bluff, AR | 4 | $ 140,000 | $ 35,000 | $ 0 |
| Salem, OR | 4 | $ 232,000 | $ 58,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 4 | $ 198,000 | $ 49,500 | $ 0 |
| Eugene-Springfield, OR | 3 | $ 195,000 | $ 65,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 142,000 | $ 47,333 | $ 0 |
| Grand Junction, CO | 3 | $ 56,000 | $ 18,666 | $ 0 |
| Napa, CA | 3 | $ 384,000 | $ 128,000 | $ 0 |
| Prescott, AZ | 3 | $ 134,000 | $ 44,666 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 208,000 | $ 69,333 | $ 0 |
| Albuquerque, NM | 2 | $ 68,000 | $ 34,000 | $ 0 |
| Bakersfield, CA | 2 | $ 112,000 | $ 56,000 | $ 0 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 127,000 | $ 63,500 | $ 0 |
| Chico, CA | 2 | $ 139,000 | $ 69,500 | $ 0 |
| Colorado Springs, CO | 2 | $ 266,000 | $ 133,000 | $ 64,000 |
| Columbia, SC | 2 | $ 69,000 | $ 34,500 | $ 0 |
| Dallas-Plano-Irving, TX | 2 | $ 236,000 | $ 118,000 | $ 240,000 |
| Denver-Aurora, CO | 2 | $ 170,000 | $ 85,000 | $ 23,000 |
| Farmington, NM | 2 | $ 138,000 | $ 69,000 | $ 0 |
| Jackson, MS | 2 | $ 144,000 | $ 72,000 | $ 0 |
| Medford, OR | 2 | $ 98,000 | $ 49,000 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 134,000 | $ 67,000 | $ 0 |
| Modesto, CA | 2 | $ 243,000 | $ 121,500 | $ 0 |
| Provo-Orem, UT | 2 | $ 60,000 | $ 30,000 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 262,000 | $ 131,000 | $ 0 |
| Spokane, WA | 2 | $ 111,000 | $ 55,500 | $ 0 |
| Tucson, AZ | 2 | $ 78,000 | $ 39,000 | $ 0 |
| Valdosta, GA | 2 | $ 103,000 | $ 51,500 | $ 0 |
| Yuba City, CA | 2 | $ 133,000 | $ 66,500 | $ 0 |
| Anderson, SC | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Anniston-Oxford, AL | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Baltimore-Towson, MD | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Decatur, AL | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Dothan, AL | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Dover, DE | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Fresno, CA | 1 | $ 22,000 | $ 22,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Greenville-Mauldin-Easley, SC | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Knoxville, TN | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Lima, OH | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Monroe, LA | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Morristown, TN | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Redding, CA | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Reno-Sparks, NV | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 146,000 | $ 146,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 11,000 | $ 11,000 | $ 34,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Wichita, KS | 1 | $ 92,000 | $ 92,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Corefirst Bank & Trust in 2008
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 | 937 | $67,703,000 | $72,000 | $1,055,000 | $28,000 | $750,000 |
| Refinancing | 298 | $37,458,000 | $125,000 | $1,088,000 | $67,000 | $528,000 |
| Home Improvement | 33 | $1,979,000 | $59,000 | $1,100,000 | $69,000 | $130,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 526 | $38,327,000 | $72,000 | $1,100,000 | $0 | $0 |
| White | 493 | $44,089,000 | $89,000 | $999,000 | $65,000 | $750,000 |
| Not Provided | 176 | $19,678,000 | $111,000 | $1,088,000 | $75,000 | $525,000 |
| Hispanic | 47 | $2,932,000 | $62,000 | $270,000 | $40,000 | $142,000 |
| Black or African American | 14 | $809,000 | $57,000 | $108,000 | $52,000 | $108,000 |
| American Indian or Alaskan Native | 6 | $448,000 | $74,000 | $180,000 | $49,000 | $86,000 |
| Asian | 6 | $857,000 | $142,000 | $204,000 | $121,000 | $185,000 |
| 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) | 1,268 | $107,140,000 | $84,000 | $1,100,000 | $38,000 | $750,000 |
| 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 Purchased By The Institution | 490 | $32,306,000 | $65,000 | $300,000 | $0 | $0 |
| Loan Originated | 424 | $47,395,000 | $111,000 | $1,100,000 | $72,000 | $750,000 |
| Application Denied By Financial Institution | 163 | $8,092,000 | $49,000 | $280,000 | $47,000 | $193,000 |
| Application Approved But Not Accepted | 65 | $7,344,000 | $112,000 | $999,000 | $63,000 | $248,000 |
| Preapproval Approved but not Accepted | 59 | $6,265,000 | $106,000 | $290,000 | $57,000 | $150,000 |
| Preapproval Denied by Financial Institution | 40 | $3,024,000 | $75,000 | $270,000 | $43,000 | $102,000 |
| Application Withdrawn By Applicant | 26 | $2,676,000 | $102,000 | $300,000 | $60,000 | $165,000 |
| File Closed For Incompleteness | 1 | $38,000 | $38,000 | $38,000 | $14,000 | $14,000 |
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 | 116 | $4,982,000 | $42,000 | $197,000 | $48,000 | $193,000 |
| Debt-To-Income Ratio | 53 | $4,006,000 | $75,000 | $280,000 | $42,000 | $170,000 |
| Collateral | 11 | $480,000 | $43,000 | $99,000 | $45,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $703,000 | $117,000 | $270,000 | $54,000 | $91,000 |
| Other | 6 | $311,000 | $51,000 | $150,000 | $51,000 | $107,000 |
| Mortgage Insurance Denied | 3 | $400,000 | $133,000 | $233,000 | $73,000 | $147,000 |
| Employment History | 3 | $87,000 | $29,000 | $33,000 | $27,000 | $38,000 |
| Credit Application Incomplete | 2 | $24,000 | $12,000 | $14,000 | $32,000 | $34,000 |
| Unverifiable Information | 2 | $73,000 | $36,000 | $50,000 | $29,000 | $37,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Corefirst Bank & Trust's 2008 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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