First National Bank & Trust Co Mortgage Lending & HMDA Data, 2013
In 2013, First National Bank & Trust Co of Junction City, KS reported 207 mortgage applications totaling $27.9 million, down 21% from 2012. The average application was for $134,550, and applicants reported an average income of $66,966. 86% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Manhattan, KS (148), Kansas City, MO-KS (3) and Topeka, KS (3) (applications in parentheses).
| Mortgage Company & Address | First National Bank & Trust Co 702 N. Washington Junction City, KS 66441 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 207 |
| Total Mortgage Loan Application Amount | $27,852,000 |
| Average Mortgage Loan Application Amount | $134,550 |
| Highest Mortgage Loan Application Amount | $1,240,000 |
| Average Applicant Income | $66,966 |
| Highest Applicant Income | $421,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 First National Bank & Trust Co in 2013
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 | 142 | $23,233,000 | $163,000 | $1,240,000 | $67,000 | $170,000 |
| Refinancing | 56 | $4,211,000 | $75,000 | $231,000 | $68,000 | $421,000 |
| Home Improvement | 9 | $408,000 | $45,000 | $81,000 | $60,000 | $129,000 |
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 | 169 | $21,448,000 | $126,000 | $365,000 | $68,000 | $421,000 |
| Black or African American | 10 | $1,401,000 | $140,000 | $237,000 | $73,000 | $119,000 |
| Hispanic | 10 | $1,366,000 | $136,000 | $250,000 | $61,000 | $78,000 |
| Asian | 6 | $711,000 | $118,000 | $204,000 | $65,000 | $150,000 |
| Not applicable | 6 | $2,068,000 | $344,000 | $1,240,000 | $21,000 | $130,000 |
| Not Provided | 4 | $593,000 | $148,000 | $196,000 | $74,000 | $104,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $265,000 | $132,000 | $149,000 | $94,000 | $105,000 |
| 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 |
|---|---|---|---|---|---|---|
| VA-guaranteed (Veterans Administration) | 99 | $17,316,000 | $174,000 | $365,000 | $73,000 | $151,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 91 | $8,783,000 | $96,000 | $1,240,000 | $66,000 | $421,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,694,000 | $105,000 | $149,000 | $38,000 | $57,000 |
| FHA-insured (Federal Housing Administration) | 1 | $59,000 | $59,000 | $59,000 | $51,000 | $51,000 |
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 | 177 | $24,804,000 | $140,000 | $1,240,000 | $68,000 | $421,000 |
| Application Denied By Financial Institution | 16 | $1,473,000 | $92,000 | $275,000 | $64,000 | $168,000 |
| Application Withdrawn By Applicant | 14 | $1,575,000 | $112,000 | $206,000 | $53,000 | $86,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $331,000 | $55,000 | $130,000 | $37,000 | $66,000 |
| Debt-To-Income Ratio | 5 | $421,000 | $84,000 | $150,000 | $57,000 | $84,000 |
| Other | 3 | $501,000 | $167,000 | $275,000 | $100,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $57,000 | $57,000 |
| Collateral | 1 | $175,000 | $175,000 | $175,000 | $168,000 | $168,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 & Trust Co's 2013 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 & Trust Co'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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