Exchange Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Exchange Bank & Trust of Atchison, KS reported 147 mortgage applications totaling $12.1 million. The average application was for $82,020, and applicants reported an average income of $73,993. 95% of its applications resulted in an originated loan and 5% were denied. Its largest markets were St. Joseph, MO-KS (38), Kansas City, MO-KS (32) and Topeka, KS (11) (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 | 147 |
| Total Mortgage Loan Application Amount | $12,057,000 |
| Average Mortgage Loan Application Amount | $82,020 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $73,993 |
| Highest Applicant Income | $568,000 |
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(HMDA) records Exchange Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Joseph, MO-KS | 38 | $ 2,131,000 | $ 56,078 | $ 77,894 |
| Kansas City, MO-KS | 32 | $ 2,865,000 | $ 89,531 | $ 72,406 |
| Topeka, KS | 11 | $ 996,000 | $ 90,545 | $ 53,000 |
| Manhattan, KS | 1 | $ 19,000 | $ 19,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for Exchange Bank & Trust in 2016
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 | 66 | $7,057,000 | $106,000 | $335,000 | $85,000 | $568,000 |
| Home Purchase | 65 | $4,117,000 | $63,000 | $296,000 | $67,000 | $256,000 |
| Home Improvement | 16 | $883,000 | $55,000 | $172,000 | $57,000 | $137,000 |
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 | 124 | $9,960,000 | $80,000 | $335,000 | $85,000 | $568,000 |
| Not applicable | 18 | $1,624,000 | $90,000 | $265,000 | $0 | $0 |
| Hispanic | 4 | $409,000 | $102,000 | $233,000 | $63,000 | $91,000 |
| Black or African American | 1 | $64,000 | $64,000 | $64,000 | $96,000 | $96,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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 |
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) | 147 | $12,057,000 | $82,000 | $335,000 | $74,000 | $568,000 |
| 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 | 139 | $11,172,000 | $80,000 | $335,000 | $75,000 | $568,000 |
| Application Denied By Financial Institution | 7 | $757,000 | $108,000 | $186,000 | $45,000 | $77,000 |
| Application Approved But Not Accepted | 1 | $128,000 | $128,000 | $128,000 | $135,000 | $135,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $276,000 | $92,000 | $146,000 | $59,000 | $77,000 |
| Debt-To-Income Ratio | 3 | $431,000 | $143,000 | $186,000 | $34,000 | $50,000 |
| Collateral | 1 | $50,000 | $50,000 | $50,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| 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 2016 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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