Corefirst Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Corefirst Bank & Trust of Topeka, KS reported 1,107 mortgage applications totaling $68.8 million, down 18% from 2004. The average application was for $62,180, and applicants reported an average income of $50,907. 66% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Topeka, KS (650), Kansas City, MO-KS (37) and Lawrence, KS (18) (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 | 1,107 |
| Total Mortgage Loan Application Amount | $68,834,000 |
| Average Mortgage Loan Application Amount | $62,180 |
| Highest Mortgage Loan Application Amount | $2,236,000 |
| Average Applicant Income | $50,907 |
| Highest Applicant Income | $696,000 |
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(HMDA) records Corefirst Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Corefirst Bank & Trust in 2005
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 | 585 | $35,761,000 | $91,400 | $2,236,000 | $45,800 | $339,000 |
| Refinancing | 271 | $26,915,000 | $84,666 | $800,000 | $60,000 | $696,000 |
| Home Improvement | 251 | $6,158,000 | $17,500 | $279,000 | $51,000 | $260,000 |
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 | 777 | $48,621,000 | $73,250 | $442,000 | $47,250 | $696,000 |
| Not Provided | 216 | $11,596,000 | $70,750 | $800,000 | $58,000 | $323,000 |
| Hispanic | 61 | $2,595,000 | $40,000 | $178,000 | $37,000 | $123,000 |
| Black or African American | 30 | $1,562,000 | $61,500 | $254,000 | $38,000 | $116,000 |
| Not applicable | 11 | $3,930,000 | $357,000 | $2,236,000 | $36,000 | $67,000 |
| American Indian or Alaskan Native | 8 | $314,000 | $40,000 | $70,000 | $41,000 | $58,000 |
| Asian | 4 | $216,000 | $47,000 | $94,000 | $34,500 | $77,000 |
| 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) | 1,106 | $68,823,000 | $91,200 | $2,236,000 | $47,200 | $696,000 |
| FHA-insured (Federal Housing Administration) | 1 | $11,000 | $11,000 | $11,000 | $62,000 | $62,000 |
| 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 | 733 | $51,176,000 | $103,000 | $2,236,000 | $48,750 | $696,000 |
| Application Denied By Financial Institution | 247 | $8,870,000 | $34,000 | $225,000 | $45,000 | $273,000 |
| Application Withdrawn By Applicant | 117 | $8,593,000 | $73,000 | $315,000 | $51,000 | $298,000 |
| Application Approved But Not Accepted | 9 | $194,000 | $21,500 | $44,000 | $35,500 | $65,000 |
| File Closed For Incompleteness | 1 | $1,000 | $1,000 | $1,000 | $50,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 15 | $479,000 | $32,000 | $97,000 | $94,500 | $240,000 |
| Other | 5 | $463,000 | $91,500 | $156,000 | $33,000 | $45,000 |
| Debt-To-Income Ratio | 4 | $121,000 | $30,000 | $70,000 | $21,000 | $26,000 |
| Employment History | 1 | $40,000 | $40,000 | $40,000 | $18,000 | $18,000 |
| Unverifiable Information | 1 | $48,000 | $48,000 | $48,000 | $23,000 | $23,000 |
| Collateral | 1 | $64,000 | $64,000 | $64,000 | $45,000 | $45,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Corefirst Bank & Trust's 2005 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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with aggregated HMDA statistics today.
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