Exchange Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Exchange Bank & Trust of Atchison, KS reported 156 mortgage applications totaling $24.4 million, down 17% from 2020. The average application was for $156,666, and applicants reported an average income of $87,064. 81% of its applications resulted in an originated loan and 13% were denied. Its largest markets were St. Joseph, MO-KS (46), Kansas City, MO-KS (36) and Topeka, KS (9) (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 | 156 |
| Total Mortgage Loan Application Amount | $24,440,000 |
| Average Mortgage Loan Application Amount | $156,666 |
| Highest Mortgage Loan Application Amount | $3,475,000 |
| Average Applicant Income | $87,064 |
| Highest Applicant Income | $504,000 |
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(HMDA) records Exchange Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 52 | $ 5,370,000 | $ 103,269 | $ 78,000 |
| Buchanan, Missouri | 30 | $ 3,590,000 | $ 119,666 | $ 101,000 |
| Leavenworth, Kansas | 21 | $ 3,615,000 | $ 172,142 | $ 135,000 |
| Doniphan, Kansas | 9 | $ 935,000 | $ 103,888 | $ 87,000 |
| Platte, Missouri | 8 | $ 1,630,000 | $ 203,750 | $ 51,000 |
| Jefferson, Kansas | 7 | $ 475,000 | $ 67,857 | $ 83,000 |
| Andrew, Missouri | 7 | $ 3,065,000 | $ 437,857 | $ 54,000 |
| Brown, Kansas | 6 | $ 260,000 | $ 43,333 | $ 57,000 |
| Johnson, Kansas | 2 | $ 4,180,000 | $ 2,090,000 | $ 0 |
| Wyandotte, Kansas | 2 | $ 60,000 | $ 30,000 | $ 73,000 |
| Jackson, Kansas | 1 | $ 115,000 | $ 115,000 | $ 110,000 |
| Nemaha, Kansas | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Riley, Kansas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Shawnee, Kansas | 1 | $ 105,000 | $ 105,000 | $ 136,000 |
| Benton, Missouri | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| Clay, Missouri | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Gentry, Missouri | 1 | $ 35,000 | $ 35,000 | $ 18,000 |
| Jackson, Missouri | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Ray, Missouri | 1 | $ 325,000 | $ 325,000 | $ 0 |
Mortgage Loan Application Detail Totals for Exchange Bank & Trust in 2021
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 | 89 | $15,495,000 | $174,000 | $3,475,000 | $82,000 | $504,000 |
| Cash-out Refinancing | 35 | $4,615,000 | $131,000 | $725,000 | $112,000 | $428,000 |
| Other Purpose | 12 | $840,000 | $70,000 | $415,000 | $52,000 | $101,000 |
| Refinancing | 11 | $1,665,000 | $151,000 | $345,000 | $105,000 | $371,000 |
| Home Improvement | 9 | $1,825,000 | $202,000 | $1,575,000 | $65,000 | $131,000 |
| 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 | 113 | $11,515,000 | $101,000 | $725,000 | $88,000 | $428,000 |
| Not applicable | 34 | $11,950,000 | $351,000 | $3,475,000 | $0 | $0 |
| Black or African American | 4 | $160,000 | $40,000 | $45,000 | $34,000 | $55,000 |
| Asian | 2 | $630,000 | $315,000 | $415,000 | $302,000 | $504,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $41,000 | $41,000 |
| Hispanic | 1 | $125,000 | $125,000 | $125,000 | $45,000 | $45,000 |
| Not Provided | 1 | $35,000 | $35,000 | $35,000 | $36,000 | $36,000 |
| 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) | 154 | $24,360,000 | $158,000 | $3,475,000 | $89,000 | $504,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $80,000 | $40,000 | $45,000 | $44,000 | $52,000 |
| 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 | 127 | $22,545,000 | $177,000 | $3,475,000 | $97,000 | $504,000 |
| Application Denied By Financial Institution | 20 | $1,450,000 | $72,000 | $165,000 | $65,000 | $125,000 |
| Application Withdrawn By Applicant | 9 | $445,000 | $49,000 | $95,000 | $50,000 | $122,000 |
| 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 | 156 | $24,440,000 | $156,000 | $3,475,000 | $88,000 | $504,000 |
| 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 2021 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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