First National Bank of Hutchinson Mortgage Lending & HMDA Data, 2024
In 2024, First National Bank of Hutchinson of Hutchinson, KS reported 233 mortgage applications totaling $43.9 million, down 10% from 2023. The average application was for $188,261, and applicants reported an average income of $134,253. 92% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Wichita, KS (57), Oklahoma City, OK (5) and Kansas City, MO-KS (4) (applications in parentheses).
| Mortgage Company & Address | First National Bank of Hutchinson 1 N Main St Hutchinson, KS 67501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 233 |
| Total Mortgage Loan Application Amount | $43,865,000 |
| Average Mortgage Loan Application Amount | $188,261 |
| Highest Mortgage Loan Application Amount | $4,355,000 |
| Average Applicant Income | $134,253 |
| Highest Applicant Income | $1,298,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank of Hutchinson filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Reno, Kansas | 114 | $ 12,410,000 | $ 108,859 | $ 109,000 |
| Sedgwick, Kansas | 50 | $ 11,040,000 | $ 220,800 | $ 110,000 |
| Fremont, Colorado | 6 | $ 1,110,000 | $ 185,000 | $ 108,000 |
| McPherson, Kansas | 6 | $ 1,680,000 | $ 280,000 | $ 168,000 |
| Harvey, Kansas | 5 | $ 685,000 | $ 137,000 | $ 148,000 |
| Oklahoma, Oklahoma | 5 | $ 1,035,000 | $ 207,000 | $ 98,000 |
| Custer, Colorado | 4 | $ 940,000 | $ 235,000 | $ 85,000 |
| Douglas, Kansas | 3 | $ 325,000 | $ 108,333 | $ 180,000 |
| Johnson, Kansas | 2 | $ 450,000 | $ 225,000 | $ 126,000 |
| Kingman, Kansas | 2 | $ 130,000 | $ 65,000 | $ 112,000 |
| Montgomery, Kansas | 2 | $ 140,000 | $ 70,000 | $ 174,000 |
| Jasper, Missouri | 2 | $ 300,000 | $ 150,000 | $ 253,000 |
| Rio Arriba, New Mexico | 2 | $ 290,000 | $ 145,000 | $ 35,000 |
| Pueblo, Colorado | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Rio Grande, Colorado | 1 | $ 265,000 | $ 265,000 | $ 143,000 |
| Brevard, Florida | 1 | $ 455,000 | $ 455,000 | $ 378,000 |
| Lee, Florida | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Manatee, Florida | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Lemhi, Idaho | 1 | $ 445,000 | $ 445,000 | $ 162,000 |
| Louisa, Iowa | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
| Polk, Iowa | 1 | $ 155,000 | $ 155,000 | $ 383,000 |
| Pottawattamie, Iowa | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Butler, Kansas | 1 | $ 155,000 | $ 155,000 | $ 82,000 |
| Cowley, Kansas | 1 | $ 185,000 | $ 185,000 | $ 249,000 |
| Harper, Kansas | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
| Marshall, Kansas | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Morris, Kansas | 1 | $ 65,000 | $ 65,000 | $ 324,000 |
| Pratt, Kansas | 1 | $ 95,000 | $ 95,000 | $ 137,000 |
| Saline, Kansas | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| Sumner, Kansas | 1 | $ 505,000 | $ 505,000 | $ 152,000 |
| Barry, Michigan | 1 | $ 355,000 | $ 355,000 | $ 111,000 |
| Camden, Missouri | 1 | $ 205,000 | $ 205,000 | $ 174,000 |
| Clay, Missouri | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jackson, Missouri | 1 | $ 265,000 | $ 265,000 | $ 0 |
| New York, New York | 1 | $ 725,000 | $ 725,000 | $ 1,298,000 |
| Carroll, Ohio | 1 | $ 255,000 | $ 255,000 | $ 89,000 |
| Vinton, Ohio | 1 | $ 265,000 | $ 265,000 | $ 112,000 |
| Craig, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Delaware, Oklahoma | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 4,355,000 | $ 4,355,000 | $ 0 |
| Cameron, Texas | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Denton, Texas | 1 | $ 765,000 | $ 765,000 | $ 919,000 |
| Summit, Utah | 1 | $ 545,000 | $ 545,000 | $ 919,000 |
Mortgage Loan Application Detail Totals for First National Bank of Hutchinson in 2024
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 | 161 | $34,405,000 | $213,000 | $1,255,000 | $144,000 | $1,298,000 |
| Refinancing | 44 | $3,640,000 | $82,000 | $285,000 | $104,000 | $426,000 |
| Home Improvement | 21 | $5,435,000 | $258,000 | $4,355,000 | $139,000 | $560,000 |
| Other Purpose | 7 | $385,000 | $55,000 | $105,000 | $86,000 | $225,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 165 | $27,215,000 | $164,000 | $765,000 | $137,000 | $1,298,000 |
| Not applicable | 56 | $15,280,000 | $272,000 | $4,355,000 | $0 | $0 |
| Hispanic | 5 | $825,000 | $165,000 | $505,000 | $146,000 | $267,000 |
| Black or African American | 3 | $155,000 | $51,000 | $105,000 | $62,000 | $89,000 |
| Not Provided | 2 | $270,000 | $135,000 | $225,000 | $48,000 | $58,000 |
| American Indian or Alaskan Native | 2 | $120,000 | $60,000 | $65,000 | $50,000 | $52,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 233 | $43,865,000 | $188,000 | $4,355,000 | $134,000 | $1,298,000 |
| 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 | 214 | $42,260,000 | $197,000 | $4,355,000 | $138,000 | $1,298,000 |
| Application Denied By Financial Institution | 9 | $475,000 | $52,000 | $185,000 | $73,000 | $249,000 |
| Application Approved But Not Accepted | 6 | $350,000 | $58,000 | $65,000 | $146,000 | $560,000 |
| Application Withdrawn By Applicant | 4 | $780,000 | $195,000 | $395,000 | $112,000 | $151,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 224 | $43,390,000 | $193,000 | $4,355,000 | $137,000 | $1,298,000 |
| Credit History | 6 | $300,000 | $50,000 | $185,000 | $74,000 | $249,000 |
| Collateral | 2 | $130,000 | $65,000 | $115,000 | $83,000 | $101,000 |
| Debt-To-Income Ratio | 1 | $45,000 | $45,000 | $45,000 | $48,000 | $48,000 |
| 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 |
| Credit Application Incomplete | 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 First National Bank of Hutchinson's 2024 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 National Bank of Hutchinson'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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