Exchange Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Exchange Bank & Trust of Atchison, KS reported 146 mortgage applications totaling $16.9 million, up 11% from 2018. The average application was for $116,027, and applicants reported an average income of $96,068. 88% of its applications resulted in an originated loan and 9% were denied. Its largest markets were St. Joseph, MO-KS (56), Kansas City, MO-KS (37) and Topeka, KS (6) (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 | 146 |
| Total Mortgage Loan Application Amount | $16,940,000 |
| Average Mortgage Loan Application Amount | $116,027 |
| Highest Mortgage Loan Application Amount | $1,105,000 |
| Average Applicant Income | $96,068 |
| Highest Applicant Income | $331,000 |
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(HMDA) records Exchange Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 56 | $ 5,980,000 | $ 106,785 | $ 97,428 |
| Outside any metro area | 42 | $ 3,430,000 | $ 81,666 | $ 79,047 |
| Kansas City, MO-KS | 37 | $ 5,005,000 | $ 135,270 | $ 103,108 |
| Topeka, KS | 6 | $ 750,000 | $ 125,000 | $ 84,000 |
| Lawrence, KS | 3 | $ 485,000 | $ 161,666 | $ 226,000 |
| Fort Worth-Arlington, TX | 1 | $ 1,105,000 | $ 1,105,000 | $ 0 |
| Wichita, KS | 1 | $ 185,000 | $ 185,000 | $ 181,000 |
Mortgage Loan Application Detail Totals for Exchange Bank & Trust in 2019
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 | 86 | $10,480,000 | $121,000 | $1,105,000 | $101,000 | $331,000 |
| Cash-out Refinancing | 20 | $2,100,000 | $105,000 | $235,000 | $91,000 | $320,000 |
| Refinancing | 19 | $3,025,000 | $159,000 | $585,000 | $88,000 | $260,000 |
| Other Purpose | 14 | $1,000,000 | $71,000 | $205,000 | $67,000 | $131,000 |
| Home Improvement | 7 | $335,000 | $47,000 | $105,000 | $130,000 | $221,000 |
| 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 | 129 | $13,955,000 | $108,000 | $735,000 | $95,000 | $331,000 |
| Not applicable | 15 | $2,855,000 | $190,000 | $1,105,000 | $0 | $0 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $25,000 | $25,000 |
| Black or African American | 1 | $65,000 | $65,000 | $65,000 | $175,000 | $175,000 |
| 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 |
| 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) | 146 | $16,940,000 | $116,000 | $1,105,000 | $95,000 | $331,000 |
| 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 | 129 | $15,955,000 | $123,000 | $1,105,000 | $101,000 | $331,000 |
| Application Denied By Financial Institution | 13 | $585,000 | $45,000 | $105,000 | $55,000 | $113,000 |
| Application Approved But Not Accepted | 3 | $215,000 | $71,000 | $105,000 | $45,000 | $82,000 |
| Application Withdrawn By Applicant | 1 | $185,000 | $185,000 | $185,000 | $181,000 | $181,000 |
| 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 | 146 | $16,940,000 | $116,000 | $1,105,000 | $95,000 | $331,000 |
| 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 2019 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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