First State Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, First State Bank & Trust of Tonganoxie, KS reported 847 mortgage applications totaling $95.0 million. The average application was for $112,214, and applicants reported an average income of $59,744. 91% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Wichita, KS (114), Lawrence, KS (112) and Kansas City, MO-KS (13) (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 | 847 |
| Total Mortgage Loan Application Amount | $95,046,000 |
| Average Mortgage Loan Application Amount | $112,214 |
| Highest Mortgage Loan Application Amount | $1,275,000 |
| Average Applicant Income | $59,744 |
| Highest Applicant Income | $351,000 |
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(HMDA) records First State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Leavenworth, Kansas | 427 | $ 52,457,000 | $ 122,850 | $ 59,000 |
| Douglas, Kansas | 112 | $ 13,646,000 | $ 121,839 | $ 44,000 |
| Sedgwick, Kansas | 111 | $ 9,247,000 | $ 83,306 | $ 47,000 |
| Jefferson, Kansas | 77 | $ 6,643,000 | $ 86,272 | $ 48,000 |
| Wyandotte, Kansas | 34 | $ 3,029,000 | $ 89,088 | $ 51,000 |
| Johnson, Kansas | 26 | $ 3,901,000 | $ 150,038 | $ 77,000 |
| Sumner, Kansas | 11 | $ 942,000 | $ 85,636 | $ 80,000 |
| Jackson, Missouri | 6 | $ 385,000 | $ 64,166 | $ 57,000 |
| Kingman, Kansas | 4 | $ 255,000 | $ 63,750 | $ 23,000 |
| Shawnee, Kansas | 4 | $ 260,000 | $ 65,000 | $ 53,000 |
| Butler, Kansas | 3 | $ 381,000 | $ 127,000 | $ 91,000 |
| Clay, Missouri | 3 | $ 1,024,000 | $ 341,333 | $ 35,000 |
| Platte, Missouri | 3 | $ 382,000 | $ 127,333 | $ 51,000 |
| Cowley, Kansas | 2 | $ 182,000 | $ 91,000 | $ 63,000 |
| Crawford, Kansas | 2 | $ 253,000 | $ 126,500 | $ 24,000 |
| Franklin, Kansas | 2 | $ 212,000 | $ 106,000 | $ 70,000 |
| Osage, Kansas | 2 | $ 93,000 | $ 46,500 | $ 36,000 |
| Reno, Kansas | 2 | $ 136,000 | $ 68,000 | $ 52,000 |
| Riley, Kansas | 2 | $ 217,000 | $ 108,500 | $ 79,000 |
| Adams, Colorado | 1 | $ 192,000 | $ 192,000 | $ 73,000 |
| Arapahoe, Colorado | 1 | $ 172,000 | $ 172,000 | $ 62,000 |
| Broward, Florida | 1 | $ 143,000 | $ 143,000 | $ 204,000 |
| Lake, Illinois | 1 | $ 160,000 | $ 160,000 | $ 203,000 |
| Brown, Kansas | 1 | $ 11,000 | $ 11,000 | $ 204,000 |
| Jackson, Kansas | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Lyon, Kansas | 1 | $ 95,000 | $ 95,000 | $ 11,000 |
| Pottawatomie, Kansas | 1 | $ 61,000 | $ 61,000 | $ 21,000 |
| Wabaunsee, Kansas | 1 | $ 7,000 | $ 7,000 | $ 21,000 |
| Benton, Missouri | 1 | $ 104,000 | $ 104,000 | $ 110,000 |
| Cass, Missouri | 1 | $ 136,000 | $ 136,000 | $ 94,000 |
| Johnson, Missouri | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Choctaw, Oklahoma | 1 | $ 134,000 | $ 134,000 | $ 24,000 |
| Washington, Oklahoma | 1 | $ 56,000 | $ 56,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for First State 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) | 532 | $65,658,000 | $133,400 | $1,275,000 | $92,200 | $351,000 |
| Home Purchase (one-to-four family) | 239 | $25,653,000 | $127,000 | $550,000 | $88,750 | $262,000 |
| Home Improvement (one-to-four family) | 73 | $2,233,000 | $38,000 | $200,000 | $66,500 | $143,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 3 | $1,502,000 | $595,500 | $880,000 | $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 | 774 | $85,236,000 | $129,333 | $1,275,000 | $107,000 | $351,000 |
| Not applicable | 47 | $7,353,000 | $510,000 | $880,000 | $0 | $0 |
| Hispanic | 14 | $1,367,000 | $97,000 | $206,000 | $69,000 | $135,000 |
| Black | 7 | $525,000 | $75,000 | $123,000 | $65,000 | $114,000 |
| American Indian or Alaskan Native | 2 | $153,000 | $76,000 | $143,000 | $60,000 | $78,000 |
| Asian or Pacific Islander | 2 | $268,000 | $134,000 | $143,000 | $91,000 | $121,000 |
| Information not provided by applicant in mail or telephone application | 1 | $144,000 | $144,000 | $144,000 | $60,000 | $60,000 |
| 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) | 847 | $95,046,000 | $138,333 | $1,275,000 | $105,166 | $351,000 |
| 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 | 772 | $87,486,000 | $138,500 | $1,275,000 | $105,500 | $351,000 |
| Application Withdrawn By Applicant | 39 | $4,423,000 | $113,000 | $550,000 | $51,000 | $240,000 |
| Application Denied By Financial Institution | 36 | $3,137,000 | $87,000 | $241,000 | $52,000 | $195,000 |
| Application Approved But Not Accepted | 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 | 23 | $2,069,000 | $89,000 | $200,000 | $57,000 | $195,000 |
| Debt-To-Income Ratio | 8 | $492,000 | $61,000 | $241,000 | $31,000 | $54,000 |
| Collateral | 4 | $370,000 | $92,000 | $162,000 | $52,000 | $76,000 |
| Employment History | 1 | $206,000 | $206,000 | $206,000 | $100,000 | $100,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First State 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 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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