Exchange Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Exchange Bank & Trust of Atchison, KS reported 155 mortgage applications totaling $35.9 million, down 1% from 2021. The average application was for $231,774, and applicants reported an average income of $101,051. 85% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Kansas City, MO-KS (56), St. Joseph, MO-KS (44) and Topeka, KS (8) (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 | 155 |
| Total Mortgage Loan Application Amount | $35,925,000 |
| Average Mortgage Loan Application Amount | $231,774 |
| Highest Mortgage Loan Application Amount | $5,755,000 |
| Average Applicant Income | $101,051 |
| Highest Applicant Income | $781,000 |
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(HMDA) records Exchange Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 36 | $ 5,390,000 | $ 149,722 | $ 83,000 |
| Buchanan, Missouri | 30 | $ 3,680,000 | $ 122,666 | $ 84,000 |
| Leavenworth, Kansas | 28 | $ 4,820,000 | $ 172,142 | $ 105,000 |
| Platte, Missouri | 17 | $ 4,075,000 | $ 239,705 | $ 185,000 |
| Doniphan, Kansas | 9 | $ 905,000 | $ 100,555 | $ 86,000 |
| Jefferson, Kansas | 8 | $ 1,490,000 | $ 186,250 | $ 99,000 |
| Clay, Missouri | 5 | $ 1,165,000 | $ 233,000 | $ 159,000 |
| Andrew, Missouri | 4 | $ 1,070,000 | $ 267,500 | $ 158,000 |
| Brown, Kansas | 2 | $ 60,000 | $ 30,000 | $ 24,000 |
| Douglas, Kansas | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Johnson, Kansas | 2 | $ 6,800,000 | $ 3,400,000 | $ 0 |
| Sedgwick, Kansas | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Jackson, Missouri | 2 | $ 4,360,000 | $ 2,180,000 | $ 0 |
| Pinellas, Florida | 1 | $ 105,000 | $ 105,000 | $ 271,000 |
| Wyandotte, Kansas | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Camden, Missouri | 1 | $ 315,000 | $ 315,000 | $ 173,000 |
| DeKalb, Missouri | 1 | $ 155,000 | $ 155,000 | $ 186,000 |
| Gentry, Missouri | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Ray, Missouri | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Sullivan, Missouri | 1 | $ 85,000 | $ 85,000 | $ 61,000 |
| Douglas, Nebraska | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Exchange Bank & Trust in 2022
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 | 94 | $28,280,000 | $300,000 | $5,755,000 | $104,000 | $781,000 |
| Cash-out Refinancing | 25 | $3,625,000 | $145,000 | $495,000 | $100,000 | $257,000 |
| Home Improvement | 15 | $1,125,000 | $75,000 | $175,000 | $96,000 | $190,000 |
| Refinancing | 15 | $2,055,000 | $137,000 | $305,000 | $97,000 | $157,000 |
| Other Purpose | 6 | $840,000 | $140,000 | $355,000 | $82,000 | $129,000 |
| 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 | 108 | $15,280,000 | $141,000 | $805,000 | $104,000 | $781,000 |
| Not applicable | 36 | $19,480,000 | $541,000 | $5,755,000 | $0 | $0 |
| Black or African American | 5 | $495,000 | $99,000 | $175,000 | $72,000 | $116,000 |
| Not Provided | 3 | $145,000 | $48,000 | $55,000 | $20,000 | $40,000 |
| Asian | 2 | $220,000 | $110,000 | $145,000 | $92,000 | $108,000 |
| Hispanic | 1 | $305,000 | $305,000 | $305,000 | $71,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 155 | $35,925,000 | $231,000 | $5,755,000 | $101,000 | $781,000 |
| 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 | 131 | $33,375,000 | $254,000 | $5,755,000 | $110,000 | $781,000 |
| Application Denied By Financial Institution | 22 | $2,470,000 | $112,000 | $625,000 | $65,000 | $186,000 |
| Application Approved But Not Accepted | 2 | $80,000 | $40,000 | $45,000 | $34,000 | $40,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 155 | $35,925,000 | $231,000 | $5,755,000 | $101,000 | $781,000 |
| 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 2022 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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