Exchange National Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Exchange National Bank & Trust of Atchison, KS reported 123 mortgage applications totaling $12.7 million, down 31% from 2003. The average application was for $103,650, and applicants reported an average income of $78,788. 83% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Topeka, KS (15) and Kansas City, MO-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 | 123 |
| Total Mortgage Loan Application Amount | $12,749,000 |
| Average Mortgage Loan Application Amount | $103,650 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $78,788 |
| Highest Applicant Income | $337,000 |
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records Exchange National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004
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 | 76 | $7,450,000 | $74,000 | $408,000 | $78,000 | $191,000 |
| Home Purchase | 42 | $5,249,000 | $96,000 | $700,000 | $65,500 | $337,000 |
| Home Improvement | 5 | $50,000 | $10,000 | $20,000 | $45,000 | $110,000 |
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 | 111 | $11,853,000 | $82,333 | $700,000 | $75,000 | $337,000 |
| Black or African American | 5 | $232,000 | $46,000 | $105,000 | $67,000 | $123,000 |
| Not applicable | 3 | $208,000 | $69,000 | $118,000 | $0 | $0 |
| Hispanic | 2 | $192,000 | $96,000 | $152,000 | $87,500 | $154,000 |
| Asian | 1 | $15,000 | $15,000 | $15,000 | $34,000 | $34,000 |
| Not Provided | 1 | $249,000 | $249,000 | $249,000 | $103,000 | $103,000 |
| 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) | 123 | $12,749,000 | $73,000 | $700,000 | $66,333 | $337,000 |
| 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 | 102 | $9,756,000 | $73,000 | $700,000 | $82,500 | $337,000 |
| Application Denied By Financial Institution | 16 | $2,140,000 | $90,000 | $260,000 | $47,000 | $146,000 |
| Application Approved But Not Accepted | 3 | $464,000 | $138,500 | $205,000 | $59,000 | $73,000 |
| Application Withdrawn By Applicant | 2 | $389,000 | $194,000 | $303,000 | $123,000 | $246,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $1,090,000 | $95,000 | $260,000 | $52,000 | $146,000 |
| Debt-To-Income Ratio | 6 | $939,000 | $156,000 | $249,000 | $67,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $6,000 | $6,000 | $6,000 | $24,000 | $24,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $123,000 | $123,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2004 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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