Corefirst Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Corefirst Bank & Trust of Topeka, KS reported 700 mortgage applications totaling $96.3 million, up 33% from 2011. The average application was for $137,510, and applicants reported an average income of $79,054. 50% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Topeka, KS (370), Kansas City, MO-KS (52) and Denver-Aurora-Broomfield, CO (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 | 700 |
| Total Mortgage Loan Application Amount | $96,257,000 |
| Average Mortgage Loan Application Amount | $137,510 |
| Highest Mortgage Loan Application Amount | $3,666,000 |
| Average Applicant Income | $79,054 |
| Highest Applicant Income | $1,595,000 |
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(HMDA) records Corefirst Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 380 | $58,075,000 | $152,000 | $3,666,000 | $88,000 | $1,595,000 |
| Home Purchase | 271 | $32,272,000 | $119,000 | $417,000 | $62,000 | $385,000 |
| Home Improvement | 49 | $5,910,000 | $120,000 | $417,000 | $104,000 | $776,000 |
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 | 523 | $68,766,000 | $131,000 | $417,000 | $83,000 | $1,595,000 |
| Not Provided | 89 | $11,268,000 | $126,000 | $621,000 | $79,000 | $672,000 |
| Hispanic | 46 | $3,924,000 | $85,000 | $306,000 | $54,000 | $248,000 |
| Black or African American | 17 | $2,277,000 | $133,000 | $228,000 | $79,000 | $166,000 |
| Not applicable | 11 | $8,178,000 | $743,000 | $3,666,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $614,000 | $87,000 | $154,000 | $71,000 | $188,000 |
| Asian | 6 | $1,123,000 | $187,000 | $260,000 | $71,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $107,000 | $107,000 | $107,000 | $52,000 | $52,000 |
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) | 700 | $96,257,000 | $137,000 | $3,666,000 | $79,000 | $1,595,000 |
| 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 | 349 | $53,983,000 | $154,000 | $3,666,000 | $94,000 | $1,595,000 |
| Preapproval Denied by Financial Institution | 119 | $13,303,000 | $111,000 | $417,000 | $55,000 | $300,000 |
| Application Denied By Financial Institution | 112 | $13,469,000 | $120,000 | $374,000 | $63,000 | $260,000 |
| Application Approved But Not Accepted | 78 | $9,970,000 | $127,000 | $417,000 | $72,000 | $170,000 |
| Preapproval Approved but not Accepted | 37 | $5,289,000 | $142,000 | $417,000 | $77,000 | $348,000 |
| Application Withdrawn By Applicant | 5 | $243,000 | $48,000 | $100,000 | $53,000 | $90,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 131 | $14,135,000 | $107,000 | $417,000 | $65,000 | $300,000 |
| Debt-To-Income Ratio | 62 | $8,060,000 | $130,000 | $380,000 | $46,000 | $162,000 |
| Collateral | 21 | $2,249,000 | $107,000 | $317,000 | $64,000 | $142,000 |
| Employment History | 8 | $1,143,000 | $142,000 | $250,000 | $62,000 | $177,000 |
| Mortgage Insurance Denied | 5 | $515,000 | $103,000 | $115,000 | $40,000 | $51,000 |
| Other | 1 | $223,000 | $223,000 | $223,000 | $110,000 | $110,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $39,000 | $39,000 |
| Credit Application Incomplete | 1 | $187,000 | $187,000 | $187,000 | $96,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $200,000 | $200,000 | $200,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Corefirst Bank & Trust's 2012 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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