Exchange National Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Exchange National Bank & Trust of Atchison, KS reported 177 mortgage applications totaling $17.3 million. The average application was for $97,870, and applicants reported an average income of $65,310. 85% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Kansas City, MO-KS (1) and Topeka, KS (1).
| 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 | 177 |
| Total Mortgage Loan Application Amount | $17,323,000 |
| Average Mortgage Loan Application Amount | $97,870 |
| Highest Mortgage Loan Application Amount | $408,000 |
| Average Applicant Income | $65,310 |
| Highest Applicant Income | $367,000 |
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records Exchange National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Exchange National Bank & Trust in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 97 | $10,214,000 | $116,000 | $333,000 | $69,000 | $367,000 |
| Home Purchase (one-to-four family) | 69 | $6,564,000 | $95,000 | $408,000 | $50,000 | $282,000 |
| Home Improvement (one-to-four family) | 9 | $209,000 | $23,000 | $100,000 | $26,000 | $97,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 2 | $336,000 | $168,000 | $184,000 | $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 | 169 | $16,204,000 | $111,500 | $408,000 | $62,500 | $367,000 |
| Not applicable | 4 | $551,000 | $137,000 | $184,000 | $0 | $0 |
| Black | 2 | $345,000 | $172,000 | $252,000 | $92,000 | $126,000 |
| Hispanic | 2 | $223,000 | $111,000 | $120,000 | $64,000 | $94,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 177 | $17,323,000 | $112,500 | $408,000 | $59,500 | $367,000 |
| 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 | 150 | $15,167,000 | $134,000 | $408,000 | $76,500 | $367,000 |
| Application Denied By Financial Institution | 19 | $1,368,000 | $72,000 | $173,000 | $49,000 | $119,000 |
| Application Approved But Not Accepted | 8 | $788,000 | $76,000 | $162,000 | $28,000 | $102,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 11 | $782,000 | $71,000 | $130,000 | $54,000 | $119,000 |
| Debt-To-Income Ratio | 6 | $455,000 | $75,000 | $173,000 | $49,000 | $80,000 |
| Employment History | 1 | $7,000 | $7,000 | $7,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $124,000 | $124,000 | $124,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Exchange National Bank & Trust's 2003 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.
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