Exchange National Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Exchange National Bank & Trust of Atchison, KS reported 190 mortgage applications totaling $15.8 million, down 4% from 2014. The average application was for $83,047, and applicants reported an average income of $97,047. 82% of its applications resulted in an originated loan and 18% were denied. Its largest markets were St. Joseph, MO-KS (63), Kansas City, MO-KS (37) and Topeka, KS (14) (applications in parentheses).
| Mortgage Company & Address | Exchange National Bank & Trust 600 Commercial, Po Box 189 Atchison, KS 66002 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 190 |
| Total Mortgage Loan Application Amount | $15,779,000 |
| Average Mortgage Loan Application Amount | $83,047 |
| Highest Mortgage Loan Application Amount | $520,000 |
| Average Applicant Income | $97,047 |
| Highest Applicant Income | $5,217,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Exchange National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atchison, Kansas | 68 | $ 5,035,000 | $ 74,044 | $ 66,000 |
| Doniphan, Kansas | 38 | $ 2,796,000 | $ 73,578 | $ 74,000 |
| Leavenworth, Kansas | 23 | $ 1,904,000 | $ 82,782 | $ 67,000 |
| Buchanan, Missouri | 23 | $ 1,846,000 | $ 80,260 | $ 59,000 |
| Jefferson, Kansas | 13 | $ 1,465,000 | $ 112,692 | $ 72,000 |
| Johnson, Kansas | 5 | $ 546,000 | $ 109,200 | $ 1,139,000 |
| Platte, Missouri | 5 | $ 304,000 | $ 60,800 | $ 71,000 |
| Clay, Missouri | 2 | $ 151,000 | $ 75,500 | $ 54,000 |
| Pima, Arizona | 1 | $ 294,000 | $ 294,000 | $ 84,000 |
| Brown, Kansas | 1 | $ 20,000 | $ 20,000 | $ 82,000 |
| Douglas, Kansas | 1 | $ 108,000 | $ 108,000 | $ 99,000 |
| Shawnee, Kansas | 1 | $ 150,000 | $ 150,000 | $ 143,000 |
| Wyandotte, Kansas | 1 | $ 190,000 | $ 190,000 | $ 72,000 |
| Andrew, Missouri | 1 | $ 80,000 | $ 80,000 | $ 120,000 |
| DeKalb, Missouri | 1 | $ 77,000 | $ 77,000 | $ 60,000 |
| Gentry, Missouri | 1 | $ 131,000 | $ 131,000 | $ 162,000 |
| Jackson, Missouri | 1 | $ 72,000 | $ 72,000 | $ 74,000 |
| Lancaster, Nebraska | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
| Clark, Nevada | 1 | $ 35,000 | $ 35,000 | $ 173,000 |
| Thurston, Washington | 1 | $ 245,000 | $ 245,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Exchange National Bank & Trust in 2015
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 | 91 | $6,645,000 | $73,000 | $376,000 | $120,000 | $5,217,000 |
| Refinancing | 70 | $7,451,000 | $106,000 | $520,000 | $78,000 | $208,000 |
| Home Improvement | 29 | $1,683,000 | $58,000 | $163,000 | $71,000 | $173,000 |
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 | 173 | $14,497,000 | $83,000 | $520,000 | $103,000 | $5,217,000 |
| Not applicable | 7 | $534,000 | $76,000 | $163,000 | $0 | $0 |
| Asian | 3 | $361,000 | $120,000 | $190,000 | $88,000 | $169,000 |
| Hispanic | 3 | $204,000 | $68,000 | $145,000 | $60,000 | $88,000 |
| Black or African American | 2 | $121,000 | $60,000 | $71,000 | $26,000 | $35,000 |
| Not Provided | 2 | $62,000 | $31,000 | $35,000 | $104,000 | $173,000 |
| American Indian or Alaskan Native | 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) | 186 | $15,220,000 | $81,000 | $520,000 | $98,000 | $5,217,000 |
| VA-guaranteed (Veterans Administration) | 3 | $492,000 | $164,000 | $245,000 | $80,000 | $96,000 |
| FHA-insured (Federal Housing Administration) | 1 | $67,000 | $67,000 | $67,000 | $35,000 | $35,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 155 | $12,949,000 | $83,000 | $520,000 | $108,000 | $5,217,000 |
| Application Denied By Financial Institution | 35 | $2,830,000 | $80,000 | $294,000 | $49,000 | $120,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 25 | $2,077,000 | $83,000 | $294,000 | $52,000 | $98,000 |
| Debt-To-Income Ratio | 6 | $444,000 | $74,000 | $268,000 | $41,000 | $120,000 |
| Employment History | 3 | $151,000 | $50,000 | $71,000 | $30,000 | $35,000 |
| Collateral | 1 | $158,000 | $158,000 | $158,000 | $79,000 | $79,000 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Exchange National Bank & Trust's 2015 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 Exchange National 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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