Exchange Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Exchange Bank & Trust of Atchison, KS reported 188 mortgage applications totaling $27.1 million, up 29% from 2019. The average application was for $144,095, and applicants reported an average income of $104,680. 87% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Kansas City, MO-KS (57), St. Joseph, MO-KS (43) and Topeka, KS (7) (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 | 188 |
| Total Mortgage Loan Application Amount | $27,090,000 |
| Average Mortgage Loan Application Amount | $144,095 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $104,680 |
| Highest Applicant Income | $445,000 |
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(HMDA) records Exchange Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 68 | $ 6,660,000 | $ 97,941 | $ 104,000 |
| Leavenworth, Kansas | 44 | $ 12,500,000 | $ 284,090 | $ 127,000 |
| Buchanan, Missouri | 26 | $ 2,540,000 | $ 97,692 | $ 79,000 |
| Doniphan, Kansas | 13 | $ 1,245,000 | $ 95,769 | $ 91,000 |
| Jefferson, Kansas | 6 | $ 420,000 | $ 70,000 | $ 59,000 |
| Platte, Missouri | 5 | $ 715,000 | $ 143,000 | $ 124,000 |
| Brown, Kansas | 4 | $ 310,000 | $ 77,500 | $ 72,000 |
| Andrew, Missouri | 4 | $ 260,000 | $ 65,000 | $ 59,000 |
| Jackson, Missouri | 3 | $ 305,000 | $ 101,666 | $ 57,000 |
| Sedgwick, Kansas | 2 | $ 410,000 | $ 205,000 | $ 171,000 |
| Johnson, Kansas | 1 | $ 45,000 | $ 45,000 | $ 166,000 |
| Linn, Kansas | 1 | $ 65,000 | $ 65,000 | $ 109,000 |
| Nemaha, Kansas | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| Shawnee, Kansas | 1 | $ 65,000 | $ 65,000 | $ 86,000 |
| Wyandotte, Kansas | 1 | $ 195,000 | $ 195,000 | $ 138,000 |
| Benzie, Michigan | 1 | $ 75,000 | $ 75,000 | $ 109,000 |
| Camden, Missouri | 1 | $ 115,000 | $ 115,000 | $ 259,000 |
| Clinton, Missouri | 1 | $ 185,000 | $ 185,000 | $ 118,000 |
| Daviess, Missouri | 1 | $ 285,000 | $ 285,000 | $ 108,000 |
| Morgan, Missouri | 1 | $ 65,000 | $ 65,000 | $ 180,000 |
| Ray, Missouri | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Richardson, Nebraska | 1 | $ 115,000 | $ 115,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Exchange Bank & Trust in 2020
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 | 102 | $12,180,000 | $119,000 | $1,145,000 | $109,000 | $445,000 |
| Cash-out Refinancing | 56 | $11,920,000 | $212,000 | $6,005,000 | $86,000 | $400,000 |
| Refinancing | 14 | $1,960,000 | $140,000 | $335,000 | $127,000 | $223,000 |
| Home Improvement | 13 | $885,000 | $68,000 | $165,000 | $126,000 | $193,000 |
| Other Purpose | 3 | $145,000 | $48,000 | $65,000 | $110,000 | $119,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 157 | $18,765,000 | $119,000 | $1,145,000 | $104,000 | $445,000 |
| Not applicable | 29 | $8,125,000 | $280,000 | $6,005,000 | $0 | $0 |
| Black or African American | 1 | $155,000 | $155,000 | $155,000 | $161,000 | $161,000 |
| Hispanic | 1 | $45,000 | $45,000 | $45,000 | $79,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 188 | $27,090,000 | $144,000 | $6,005,000 | $105,000 | $445,000 |
| 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 | 164 | $24,730,000 | $150,000 | $6,005,000 | $111,000 | $445,000 |
| Application Denied By Financial Institution | 19 | $2,075,000 | $109,000 | $265,000 | $69,000 | $153,000 |
| Application Withdrawn By Applicant | 5 | $285,000 | $57,000 | $65,000 | $77,000 | $138,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 188 | $27,090,000 | $144,000 | $6,005,000 | $105,000 | $445,000 |
| Employment History | 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Exchange Bank & Trust's 2020 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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