First National Bank & Trust Co Mortgage Lending & HMDA Data, 2010
In 2010, First National Bank & Trust Co of Junction City, KS reported 232 mortgage applications totaling $26.6 million, down 14% from 2009. The average application was for $114,439, and applicants reported an average income of $63,004. 84% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Manhattan, KS (182), Topeka, KS (1) and Virginia Beach-Norfolk-Newport News, VA-NC (1) (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 | 232 |
| Total Mortgage Loan Application Amount | $26,550,000 |
| Average Mortgage Loan Application Amount | $114,439 |
| Highest Mortgage Loan Application Amount | $310,000 |
| Average Applicant Income | $63,004 |
| Highest Applicant Income | $310,000 |
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records First National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Geary, Kansas | 179 | $ 21,834,000 | $ 121,977 | $ 65,000 |
| Dickinson, Kansas | 35 | $ 2,473,000 | $ 70,657 | $ 52,000 |
| Clay, Kansas | 7 | $ 1,014,000 | $ 144,857 | $ 61,000 |
| Morris, Kansas | 6 | $ 506,000 | $ 84,333 | $ 49,000 |
| Riley, Kansas | 2 | $ 196,000 | $ 98,000 | $ 103,000 |
| Pottawatomie, Kansas | 1 | $ 124,000 | $ 124,000 | $ 62,000 |
| Shawnee, Kansas | 1 | $ 93,000 | $ 93,000 | $ 28,000 |
| Chesapeake, Virginia | 1 | $ 310,000 | $ 310,000 | $ 162,000 |
Mortgage Loan Application Detail Totals for First National Bank & Trust Co in 2010
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 | $21,940,000 | $136,000 | $269,000 | $58,000 | $180,000 |
| Refinancing | 56 | $4,359,000 | $77,000 | $310,000 | $79,000 | $310,000 |
| Home Improvement | 15 | $251,000 | $16,000 | $35,000 | $57,000 | $109,000 |
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 | 182 | $21,041,000 | $115,000 | $310,000 | $60,000 | $180,000 |
| Black or African American | 19 | $2,588,000 | $136,000 | $240,000 | $83,000 | $158,000 |
| Hispanic | 13 | $1,374,000 | $105,000 | $190,000 | $71,000 | $310,000 |
| Asian | 8 | $651,000 | $81,000 | $220,000 | $96,000 | $279,000 |
| American Indian or Alaskan Native | 4 | $444,000 | $111,000 | $146,000 | $40,000 | $52,000 |
| Not Provided | 4 | $282,000 | $70,000 | $182,000 | $58,000 | $106,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $20,000 | $20,000 | $20,000 | $100,000 | $100,000 |
| Not applicable | 1 | $150,000 | $150,000 | $150,000 | $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) | 117 | $17,897,000 | $152,000 | $310,000 | $65,000 | $180,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 86 | $6,058,000 | $70,000 | $210,000 | $65,000 | $310,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,579,000 | $103,000 | $222,000 | $50,000 | $77,000 |
| FHA-insured (Federal Housing Administration) | 4 | $16,000 | $4,000 | $6,000 | $57,000 | $86,000 |
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 | 195 | $23,188,000 | $118,000 | $310,000 | $65,000 | $310,000 |
| Application Denied By Financial Institution | 25 | $1,851,000 | $74,000 | $165,000 | $50,000 | $132,000 |
| Application Withdrawn By Applicant | 12 | $1,511,000 | $125,000 | $200,000 | $59,000 | $95,000 |
| 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 | 8 | $653,000 | $81,000 | $155,000 | $47,000 | $132,000 |
| Credit History | 7 | $285,000 | $40,000 | $65,000 | $30,000 | $47,000 |
| Other | 5 | $588,000 | $117,000 | $165,000 | $67,000 | $90,000 |
| Collateral | 2 | $175,000 | $87,000 | $155,000 | $85,000 | $106,000 |
| Credit Application Incomplete | 1 | $62,000 | $62,000 | $62,000 | $68,000 | $68,000 |
| Unverifiable Information | 1 | $26,000 | $26,000 | $26,000 | $22,000 | $22,000 |
| Mortgage Insurance Denied | 1 | $62,000 | $62,000 | $62,000 | $67,000 | $67,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank & Trust Co's 2010 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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