Exchange Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Exchange Bank & Trust of Atchison, KS reported 174 mortgage applications totaling $18.0 million, up 18% from 2016. The average application was for $103,218, and applicants reported an average income of $69,448. 84% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Kansas City, MO-KS (44), St. Joseph, MO-KS (39) and Topeka, KS (18) (applications in parentheses).
| Mortgage Company & Address | Exchange Bank & Trust Po Box 189 Atchison, KS 66002 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 174 |
| Total Mortgage Loan Application Amount | $17,960,000 |
| Average Mortgage Loan Application Amount | $103,218 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $69,448 |
| Highest Applicant Income | $284,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Exchange Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atchison, Kansas | 69 | $ 5,818,000 | $ 84,318 | $ 60,000 |
| Leavenworth, Kansas | 35 | $ 4,726,000 | $ 135,028 | $ 90,000 |
| Buchanan, Missouri | 21 | $ 1,503,000 | $ 71,571 | $ 65,000 |
| Doniphan, Kansas | 17 | $ 1,101,000 | $ 64,764 | $ 65,000 |
| Jefferson, Kansas | 16 | $ 1,484,000 | $ 92,750 | $ 70,000 |
| Brown, Kansas | 3 | $ 381,000 | $ 127,000 | $ 87,000 |
| Jackson, Missouri | 3 | $ 566,000 | $ 188,666 | $ 113,000 |
| Wyandotte, Kansas | 2 | $ 100,000 | $ 50,000 | $ 14,000 |
| Jackson, Kansas | 1 | $ 60,000 | $ 60,000 | $ 86,000 |
| Johnson, Kansas | 1 | $ 70,000 | $ 70,000 | $ 76,000 |
| Shawnee, Kansas | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Andrew, Missouri | 1 | $ 22,000 | $ 22,000 | $ 35,000 |
| Clay, Missouri | 1 | $ 92,000 | $ 92,000 | $ 91,000 |
| Clinton, Missouri | 1 | $ 60,000 | $ 60,000 | $ 33,000 |
| Nodaway, Missouri | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Platte, Missouri | 1 | $ 377,000 | $ 377,000 | $ 185,000 |
Mortgage Loan Application Detail Totals for Exchange Bank & Trust in 2017
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 | 93 | $10,430,000 | $112,000 | $1,500,000 | $69,000 | $279,000 |
| Refinancing | 57 | $5,832,000 | $102,000 | $401,000 | $67,000 | $284,000 |
| Home Improvement | 24 | $1,698,000 | $70,000 | $250,000 | $77,000 | $185,000 |
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 | 149 | $14,906,000 | $100,000 | $1,500,000 | $80,000 | $284,000 |
| Not applicable | 22 | $2,825,000 | $128,000 | $480,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $122,000 | $122,000 | $122,000 | $76,000 | $76,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $40,000 | $40,000 |
| Black or African American | 1 | $42,000 | $42,000 | $42,000 | $58,000 | $58,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 173 | $17,749,000 | $102,000 | $1,500,000 | $69,000 | $284,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $211,000 | $211,000 | $211,000 | $87,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 147 | $16,277,000 | $110,000 | $1,500,000 | $73,000 | $284,000 |
| Application Denied By Financial Institution | 25 | $1,495,000 | $59,000 | $166,000 | $49,000 | $120,000 |
| Application Withdrawn By Applicant | 2 | $188,000 | $94,000 | $126,000 | $40,000 | $44,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 17 | $1,040,000 | $61,000 | $166,000 | $50,000 | $109,000 |
| Employment History | 4 | $302,000 | $75,000 | $147,000 | $42,000 | $76,000 |
| Debt-To-Income Ratio | 3 | $103,000 | $34,000 | $56,000 | $60,000 | $120,000 |
| Collateral | 1 | $50,000 | $50,000 | $50,000 | $28,000 | $28,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Exchange Bank & Trust's 2017 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 Exchange 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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