First Kansas Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, First Kansas Bank & Trust of Gardner, KS reported 90 mortgage applications totaling $10.7 million, up 131% from 2004. The average application was for $118,777, and applicants reported an average income of $80,411. 72% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Kansas City, MO-KS (20), Phoenix-Mesa-Scottsdale, AZ (3) and Lawrence, KS (1) (applications in parentheses).
| Mortgage Company & Address | First Kansas Bank & Trust P.O. Box 67 Gardner, KS 66030 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 90 |
| Total Mortgage Loan Application Amount | $10,690,000 |
| Average Mortgage Loan Application Amount | $118,777 |
| Highest Mortgage Loan Application Amount | $1,103,000 |
| Average Applicant Income | $80,411 |
| Highest Applicant Income | $300,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Kansas Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Kansas City, MO-KS | 20 | $ 2,446,000 | $ 122,300 | $ 132,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 728,000 | $ 242,666 | $ 101,000 |
| Lawrence, KS | 1 | $ 1,000 | $ 1,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for First Kansas Bank & Trust in 2005
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 | 43 | $4,795,000 | $195,666 | $405,000 | $103,666 | $275,000 |
| Refinancing | 31 | $4,925,000 | $154,333 | $1,103,000 | $77,666 | $300,000 |
| Home Improvement | 16 | $970,000 | $237,500 | $440,000 | $162,000 | $275,000 |
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 | 71 | $8,121,000 | $160,000 | $1,103,000 | $114,666 | $300,000 |
| Not applicable | 15 | $2,355,000 | $104,000 | $195,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $170,000 | $56,000 | $70,000 | $58,000 | $78,000 |
| Hispanic | 1 | $44,000 | $44,000 | $44,000 | $83,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 90 | $10,690,000 | $158,666 | $1,103,000 | $100,666 | $300,000 |
| 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 | 65 | $9,188,000 | $169,666 | $1,103,000 | $104,666 | $300,000 |
| Application Denied By Financial Institution | 15 | $532,000 | $35,000 | $108,000 | $58,000 | $95,000 |
| Application Withdrawn By Applicant | 9 | $624,000 | $51,500 | $372,000 | $86,000 | $238,000 |
| Application Approved But Not Accepted | 1 | $346,000 | $346,000 | $346,000 | $166,000 | $166,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 7 | $178,000 | $25,000 | $72,000 | $67,000 | $95,000 |
| Collateral | 5 | $253,000 | $50,000 | $108,000 | $50,000 | $91,000 |
| Other | 2 | $100,000 | $50,000 | $70,000 | $73,000 | $78,000 |
| Debt-To-Income Ratio | 1 | $1,000 | $1,000 | $1,000 | $31,000 | $31,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Kansas Bank & Trust's 2005 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 First Kansas 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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