First State Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, First State Bank & Trust of Tonganoxie, KS reported 539 mortgage applications totaling $62.4 million, up 3% from 2004. The average application was for $115,734, and applicants reported an average income of $58,502. 84% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Lawrence, KS (80), Topeka, KS (71) and Wichita, KS (40) (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 | 539 |
| Total Mortgage Loan Application Amount | $62,381,000 |
| Average Mortgage Loan Application Amount | $115,734 |
| Highest Mortgage Loan Application Amount | $576,000 |
| Average Applicant Income | $58,502 |
| Highest Applicant Income | $778,000 |
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(HMDA) records First State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 260 | $ 30,055,000 | $ 115,596 | $ 54,000 |
| Douglas, Kansas | 80 | $ 11,526,000 | $ 144,075 | $ 38,000 |
| Jefferson, Kansas | 62 | $ 5,843,000 | $ 94,241 | $ 54,000 |
| Wyandotte, Kansas | 38 | $ 3,617,000 | $ 95,184 | $ 56,000 |
| Sedgwick, Kansas | 36 | $ 3,175,000 | $ 88,194 | $ 51,000 |
| Johnson, Kansas | 19 | $ 2,805,000 | $ 147,631 | $ 64,000 |
| Jackson, Missouri | 6 | $ 540,000 | $ 90,000 | $ 41,000 |
| Franklin, Kansas | 5 | $ 437,000 | $ 87,400 | $ 53,000 |
| Atchison, Kansas | 4 | $ 319,000 | $ 79,750 | $ 62,000 |
| Shawnee, Kansas | 4 | $ 597,000 | $ 149,250 | $ 20,000 |
| Sumner, Kansas | 4 | $ 56,000 | $ 14,000 | $ 70,000 |
| Jackson, Kansas | 3 | $ 386,000 | $ 128,666 | $ 75,000 |
| Miami, Kansas | 2 | $ 625,000 | $ 312,500 | $ 118,000 |
| Osage, Kansas | 2 | $ 232,000 | $ 116,000 | $ 38,000 |
| Camden, Missouri | 2 | $ 271,000 | $ 135,500 | $ 71,000 |
| Clay, Missouri | 2 | $ 376,000 | $ 188,000 | $ 87,000 |
| Maricopa, Arizona | 1 | $ 460,000 | $ 460,000 | $ 90,000 |
| Anderson, Kansas | 1 | $ 203,000 | $ 203,000 | $ 102,000 |
| Doniphan, Kansas | 1 | $ 61,000 | $ 61,000 | $ 27,000 |
| Harper, Kansas | 1 | $ 56,000 | $ 56,000 | $ 55,000 |
| Labette, Kansas | 1 | $ 38,000 | $ 38,000 | $ 20,000 |
| Pratt, Kansas | 1 | $ 146,000 | $ 146,000 | $ 300,000 |
| Buchanan, Missouri | 1 | $ 143,000 | $ 143,000 | $ 68,000 |
| Platte, Missouri | 1 | $ 154,000 | $ 154,000 | $ 48,000 |
| Taney, Missouri | 1 | $ 55,000 | $ 55,000 | $ 109,000 |
| Delaware, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for First State Bank & Trust in 2005
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 | 282 | $35,570,000 | $145,666 | $571,000 | $59,666 | $300,000 |
| Home Purchase | 209 | $24,994,000 | $235,000 | $576,000 | $74,000 | $778,000 |
| Home Improvement | 48 | $1,817,000 | $37,000 | $405,000 | $50,000 | $206,000 |
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 | 467 | $50,896,000 | $143,666 | $576,000 | $68,333 | $778,000 |
| Not applicable | 57 | $10,065,000 | $176,000 | $571,000 | $0 | $0 |
| Hispanic | 11 | $1,243,000 | $269,000 | $460,000 | $67,500 | $90,000 |
| Black or African American | 3 | $51,000 | $17,000 | $22,000 | $51,000 | $105,000 |
| Asian | 1 | $126,000 | $126,000 | $126,000 | $54,000 | $54,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 539 | $62,381,000 | $224,250 | $576,000 | $70,750 | $778,000 |
| 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 | 453 | $53,023,000 | $226,000 | $576,000 | $70,750 | $778,000 |
| Application Denied By Financial Institution | 44 | $3,670,000 | $53,000 | $265,000 | $41,000 | $144,000 |
| Application Withdrawn By Applicant | 38 | $5,400,000 | $147,500 | $371,000 | $66,000 | $228,000 |
| Application Approved But Not Accepted | 4 | $288,000 | $66,000 | $144,000 | $76,000 | $109,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First State Bank & Trust's 2005 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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