First National Bank & Trust Co Mortgage Lending & HMDA Data, 2009
In 2009, First National Bank & Trust Co of Junction City, KS reported 269 mortgage applications totaling $35.1 million. The average application was for $130,617, and applicants reported an average income of $60,884. 86% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Manhattan, KS (191), Kansas City, MO-KS (4) and Lawrence, KS (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 | 269 |
| Total Mortgage Loan Application Amount | $35,136,000 |
| Average Mortgage Loan Application Amount | $130,617 |
| Highest Mortgage Loan Application Amount | $1,109,000 |
| Average Applicant Income | $60,884 |
| Highest Applicant Income | $315,000 |
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records First National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Manhattan, KS | 191 | $ 25,776,000 | $ 134,952 | $ 63,000 |
| Kansas City, MO-KS | 4 | $ 808,000 | $ 202,000 | $ 86,500 |
| Lawrence, KS | 1 | $ 86,000 | $ 86,000 | $ 31,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 1,109,000 | $ 1,109,000 | $ 0 |
Mortgage Loan Application Detail Totals for First National Bank & Trust Co in 2009
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 | 201 | $29,416,000 | $146,000 | $1,109,000 | $60,000 | $315,000 |
| Refinancing | 51 | $5,207,000 | $102,000 | $280,000 | $66,000 | $315,000 |
| Home Improvement | 17 | $513,000 | $30,000 | $120,000 | $56,000 | $118,000 |
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 | 204 | $25,016,000 | $122,000 | $280,000 | $61,000 | $315,000 |
| Black or African American | 38 | $5,911,000 | $155,000 | $323,000 | $65,000 | $117,000 |
| Hispanic | 12 | $1,614,000 | $134,000 | $201,000 | $66,000 | $118,000 |
| Not Provided | 7 | $769,000 | $109,000 | $205,000 | $51,000 | $84,000 |
| Not applicable | 4 | $1,480,000 | $370,000 | $1,109,000 | $0 | $0 |
| Asian | 3 | $300,000 | $100,000 | $151,000 | $41,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $46,000 | $46,000 | $46,000 | $98,000 | $98,000 |
| 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) | 167 | $26,066,000 | $156,000 | $323,000 | $61,000 | $117,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 72 | $5,969,000 | $82,000 | $1,109,000 | $66,000 | $315,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,087,000 | $110,000 | $216,000 | $47,000 | $84,000 |
| FHA-insured (Federal Housing Administration) | 2 | $14,000 | $7,000 | $7,000 | $47,000 | $59,000 |
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 | 231 | $30,635,000 | $132,000 | $1,109,000 | $63,000 | $315,000 |
| Application Withdrawn By Applicant | 26 | $2,838,000 | $109,000 | $205,000 | $47,000 | $84,000 |
| Application Denied By Financial Institution | 11 | $1,629,000 | $148,000 | $230,000 | $51,000 | $85,000 |
| Application Approved But Not Accepted | 1 | $34,000 | $34,000 | $34,000 | $43,000 | $43,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $660,000 | $165,000 | $230,000 | $47,000 | $85,000 |
| Other | 2 | $207,000 | $103,000 | $119,000 | $47,000 | $56,000 |
| Credit History | 2 | $252,000 | $126,000 | $187,000 | $50,000 | $56,000 |
| Debt-To-Income Ratio | 2 | $357,000 | $178,000 | $216,000 | $47,000 | $49,000 |
| Employment History | 1 | $153,000 | $153,000 | $153,000 | $84,000 | $84,000 |
| 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 National Bank & Trust Co's 2009 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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