First State Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, First State Bank & Trust of Tonganoxie, KS reported 563 mortgage applications totaling $77.9 million, down 6% from 2008. The average application was for $138,335, and applicants reported an average income of $62,065. 73% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Kansas City, MO-KS (363), Lawrence, KS (75) and Topeka, KS (60) (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 | 563 |
| Total Mortgage Loan Application Amount | $77,883,000 |
| Average Mortgage Loan Application Amount | $138,335 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $62,065 |
| Highest Applicant Income | $326,000 |
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(HMDA) records First State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 298 | $ 42,333,000 | $ 142,057 | $ 62,000 |
| Douglas, Kansas | 75 | $ 10,677,000 | $ 142,360 | $ 62,000 |
| Jefferson, Kansas | 45 | $ 5,314,000 | $ 118,088 | $ 69,000 |
| Sedgwick, Kansas | 40 | $ 3,933,000 | $ 98,325 | $ 66,000 |
| Wyandotte, Kansas | 40 | $ 4,485,000 | $ 112,125 | $ 56,000 |
| Johnson, Kansas | 17 | $ 6,325,000 | $ 372,058 | $ 58,000 |
| Shawnee, Kansas | 13 | $ 1,163,000 | $ 89,461 | $ 53,000 |
| Sumner, Kansas | 6 | $ 236,000 | $ 39,333 | $ 73,000 |
| Jackson, Missouri | 4 | $ 506,000 | $ 126,500 | $ 30,000 |
| Osage, Kansas | 2 | $ 229,000 | $ 114,500 | $ 26,000 |
| Riley, Kansas | 2 | $ 277,000 | $ 138,500 | $ 122,000 |
| Platte, Missouri | 2 | $ 158,000 | $ 79,000 | $ 62,000 |
| Atchison, Kansas | 1 | $ 23,000 | $ 23,000 | $ 40,000 |
| Butler, Kansas | 1 | $ 158,000 | $ 158,000 | $ 79,000 |
| Franklin, Kansas | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Harper, Kansas | 1 | $ 32,000 | $ 32,000 | $ 20,000 |
| Woodson, Kansas | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Camden, Missouri | 1 | $ 113,000 | $ 113,000 | $ 132,000 |
| Clay, Missouri | 1 | $ 11,000 | $ 11,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for First State Bank & Trust in 2009
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 | 398 | $58,662,000 | $147,000 | $4,000,000 | $62,000 | $284,000 |
| Home Purchase | 124 | $16,333,000 | $131,000 | $471,000 | $58,000 | $326,000 |
| Home Improvement | 41 | $2,888,000 | $70,000 | $725,000 | $75,000 | $163,000 |
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 | 461 | $57,059,000 | $123,000 | $950,000 | $73,000 | $299,000 |
| Not applicable | 80 | $18,826,000 | $235,000 | $4,000,000 | $0 | $0 |
| Not Provided | 12 | $1,318,000 | $109,000 | $240,000 | $53,000 | $101,000 |
| Hispanic | 7 | $571,000 | $81,000 | $238,000 | $89,000 | $326,000 |
| Black or African American | 2 | $65,000 | $32,000 | $38,000 | $46,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $44,000 | $44,000 | $44,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 563 | $77,883,000 | $138,000 | $4,000,000 | $62,000 | $326,000 |
| 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 | 409 | $55,157,000 | $134,000 | $2,339,000 | $60,000 | $326,000 |
| Application Withdrawn By Applicant | 82 | $14,034,000 | $171,000 | $4,000,000 | $70,000 | $200,000 |
| Application Denied By Financial Institution | 55 | $6,496,000 | $118,000 | $950,000 | $60,000 | $142,000 |
| Preapproval Denied by Financial Institution | 10 | $1,380,000 | $138,000 | $275,000 | $62,000 | $117,000 |
| Application Approved But Not Accepted | 5 | $478,000 | $95,000 | $194,000 | $94,000 | $284,000 |
| Preapproval Approved but not Accepted | 2 | $338,000 | $169,000 | $180,000 | $22,000 | $45,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 2009 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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