First State Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, First State Bank & Trust of Tonganoxie, KS reported 184 mortgage applications totaling $49.0 million, up 6% from 2024. The average application was for $266,521, and applicants reported an average income of $118,358. 72% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Kansas City, MO-KS (114), Lawrence, KS (39) and Topeka, KS (23) (applications in parentheses).
| Mortgage Company & Address | First State Bank & Trust Po Box 219 Tonganoxie, KS 66086 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 184 |
| Total Mortgage Loan Application Amount | $49,040,000 |
| Average Mortgage Loan Application Amount | $266,521 |
| Highest Mortgage Loan Application Amount | $3,445,000 |
| Average Applicant Income | $118,358 |
| Highest Applicant Income | $970,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 First State Bank & Trust in 2025
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 | 104 | $30,490,000 | $293,000 | $3,155,000 | $127,000 | $970,000 |
| Refinancing | 29 | $10,725,000 | $369,000 | $3,445,000 | $98,000 | $251,000 |
| Cash-out Refinancing | 23 | $5,945,000 | $258,000 | $455,000 | $122,000 | $261,000 |
| Home Improvement | 15 | $945,000 | $63,000 | $225,000 | $109,000 | $307,000 |
| Other Purpose | 13 | $935,000 | $71,000 | $165,000 | $99,000 | $166,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 139 | $28,985,000 | $208,000 | $745,000 | $120,000 | $970,000 |
| Not applicable | 27 | $16,465,000 | $609,000 | $3,445,000 | $0 | $0 |
| Hispanic | 9 | $1,615,000 | $179,000 | $305,000 | $91,000 | $216,000 |
| Asian | 5 | $1,445,000 | $289,000 | $415,000 | $137,000 | $193,000 |
| American Indian or Alaskan Native | 2 | $150,000 | $75,000 | $135,000 | $45,000 | $71,000 |
| Not Provided | 1 | $65,000 | $65,000 | $65,000 | $307,000 | $307,000 |
| Black or African American | 1 | $315,000 | $315,000 | $315,000 | $157,000 | $157,000 |
| 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) | 184 | $49,040,000 | $266,000 | $3,445,000 | $119,000 | $970,000 |
| 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 | 132 | $39,270,000 | $297,000 | $3,445,000 | $126,000 | $970,000 |
| Application Denied By Financial Institution | 31 | $5,605,000 | $180,000 | $455,000 | $108,000 | $261,000 |
| Application Approved But Not Accepted | 13 | $2,485,000 | $191,000 | $405,000 | $99,000 | $245,000 |
| Preapproval Approved but not Accepted | 3 | $565,000 | $188,000 | $195,000 | $77,000 | $125,000 |
| Preapproval Denied by Financial Institution | 3 | $555,000 | $185,000 | $335,000 | $113,000 | $193,000 |
| Application Withdrawn By Applicant | 2 | $560,000 | $280,000 | $425,000 | $148,000 | $176,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 184 | $49,040,000 | $266,000 | $3,445,000 | $119,000 | $970,000 |
| Employment History | 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 |
| Not applicable | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First State Bank & Trust's 2025 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 State 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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