Corefirst Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, Corefirst Bank & Trust of Topeka, KS reported 1,169 mortgage applications totaling $90.0 million, up 6% from 2005. The average application was for $77,008, and applicants reported an average income of $42,751. 49% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Topeka, KS (502), Kansas City, MO-KS (62) and Lawrence, KS (23) (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 | 1,169 |
| Total Mortgage Loan Application Amount | $90,023,000 |
| Average Mortgage Loan Application Amount | $77,008 |
| Highest Mortgage Loan Application Amount | $4,100,000 |
| Average Applicant Income | $42,751 |
| Highest Applicant Income | $448,000 |
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(HMDA) records Corefirst Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006
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 | 837 | $50,871,000 | $60,000 | $487,000 | $37,000 | $376,000 |
| Refinancing | 274 | $37,500,000 | $136,000 | $4,100,000 | $59,000 | $448,000 |
| Home Improvement | 58 | $1,652,000 | $28,000 | $200,000 | $49,000 | $126,000 |
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 | 610 | $42,513,000 | $69,000 | $1,967,000 | $53,000 | $329,000 |
| Not applicable | 271 | $27,358,000 | $100,000 | $4,100,000 | $0 | $73,000 |
| Not Provided | 211 | $15,613,000 | $73,000 | $417,000 | $67,000 | $448,000 |
| Hispanic | 49 | $2,451,000 | $50,000 | $150,000 | $35,000 | $87,000 |
| American Indian or Alaskan Native | 11 | $623,000 | $56,000 | $172,000 | $40,000 | $122,000 |
| Black or African American | 11 | $1,024,000 | $93,000 | $204,000 | $64,000 | $96,000 |
| Asian | 6 | $441,000 | $73,000 | $133,000 | $42,000 | $60,000 |
| 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) | 1,169 | $90,023,000 | $77,000 | $4,100,000 | $42,000 | $448,000 |
| 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 | 574 | $55,137,000 | $96,000 | $4,100,000 | $58,000 | $448,000 |
| Loan Purchased By The Institution | 230 | $12,935,000 | $56,000 | $220,000 | $0 | $0 |
| Application Denied By Financial Institution | 222 | $11,280,000 | $50,000 | $250,000 | $41,000 | $236,000 |
| Application Approved But Not Accepted | 121 | $9,060,000 | $74,000 | $500,000 | $51,000 | $279,000 |
| Application Withdrawn By Applicant | 22 | $1,611,000 | $73,000 | $175,000 | $57,000 | $102,000 |
| File Closed For Incompleteness | 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 | 85 | $4,093,000 | $48,000 | $204,000 | $41,000 | $100,000 |
| Debt-To-Income Ratio | 49 | $2,913,000 | $59,000 | $250,000 | $40,000 | $236,000 |
| Employment History | 8 | $333,000 | $41,000 | $121,000 | $35,000 | $53,000 |
| Collateral | 5 | $226,000 | $45,000 | $121,000 | $54,000 | $86,000 |
| Other | 5 | $205,000 | $41,000 | $108,000 | $53,000 | $82,000 |
| Unverifiable Information | 1 | $180,000 | $180,000 | $180,000 | $56,000 | $56,000 |
| 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 2006 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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