Exchange Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Exchange Bank & Trust of Atchison, KS reported 131 mortgage applications totaling $13.3 million, down 25% from 2017. The average application was for $101,488, and applicants reported an average income of $84,625. 90% of its applications resulted in an originated loan and 8% were denied. Its largest markets were St. Joseph, MO-KS (37), Kansas City, MO-KS (36) 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 | 131 |
| Total Mortgage Loan Application Amount | $13,295,000 |
| Average Mortgage Loan Application Amount | $101,488 |
| Highest Mortgage Loan Application Amount | $1,805,000 |
| Average Applicant Income | $84,625 |
| Highest Applicant Income | $350,000 |
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(HMDA) records Exchange Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Exchange Bank & Trust in 2018
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 | 67 | $8,065,000 | $120,000 | $1,805,000 | $86,000 | $350,000 |
| Cash-out Refinancing | 35 | $3,165,000 | $90,000 | $295,000 | $86,000 | $324,000 |
| Other Purpose | 10 | $510,000 | $51,000 | $115,000 | $69,000 | $105,000 |
| Refinancing | 10 | $1,120,000 | $112,000 | $265,000 | $94,000 | $200,000 |
| Home Improvement | 9 | $435,000 | $48,000 | $105,000 | $76,000 | $180,000 |
| 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 | 102 | $7,980,000 | $78,000 | $295,000 | $86,000 | $350,000 |
| Not applicable | 24 | $4,870,000 | $202,000 | $1,805,000 | $0 | $0 |
| Black or African American | 2 | $100,000 | $50,000 | $65,000 | $28,000 | $34,000 |
| Hispanic | 1 | $145,000 | $145,000 | $145,000 | $64,000 | $64,000 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $67,000 | $67,000 |
| Asian | 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 |
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) | 131 | $13,295,000 | $101,000 | $1,805,000 | $85,000 | $350,000 |
| 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 | 118 | $12,510,000 | $106,000 | $1,805,000 | $90,000 | $350,000 |
| Application Denied By Financial Institution | 11 | $705,000 | $64,000 | $135,000 | $47,000 | $64,000 |
| Application Withdrawn By Applicant | 2 | $80,000 | $40,000 | $45,000 | $30,000 | $39,000 |
| 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 | 131 | $13,295,000 | $101,000 | $1,805,000 | $85,000 | $350,000 |
| 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 2018 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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