First State Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, First State Bank & Trust of Tonganoxie, KS reported 286 mortgage applications totaling $46.5 million, up 20% from 2015. The average application was for $162,562, and applicants reported an average income of $78,657. 72% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Kansas City, MO-KS (186), Lawrence, KS (61) and Topeka, KS (27) (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 | 286 |
| Total Mortgage Loan Application Amount | $46,493,000 |
| Average Mortgage Loan Application Amount | $162,562 |
| Highest Mortgage Loan Application Amount | $864,000 |
| Average Applicant Income | $78,657 |
| Highest Applicant Income | $756,000 |
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(HMDA) records First State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 145 | $ 23,772,000 | $ 163,944 | $ 94,000 |
| Douglas, Kansas | 61 | $ 12,886,000 | $ 211,245 | $ 75,000 |
| Jefferson, Kansas | 24 | $ 3,109,000 | $ 129,541 | $ 59,000 |
| Wyandotte, Kansas | 17 | $ 1,288,000 | $ 75,764 | $ 44,000 |
| Johnson, Kansas | 7 | $ 894,000 | $ 127,714 | $ 65,000 |
| Platte, Missouri | 7 | $ 1,050,000 | $ 150,000 | $ 37,000 |
| Clay, Missouri | 4 | $ 630,000 | $ 157,500 | $ 80,000 |
| Miami, Kansas | 3 | $ 649,000 | $ 216,333 | $ 89,000 |
| Jackson, Missouri | 3 | $ 744,000 | $ 248,000 | $ 0 |
| Doniphan, Kansas | 2 | $ 148,000 | $ 74,000 | $ 49,000 |
| Shawnee, Kansas | 2 | $ 91,000 | $ 45,500 | $ 64,000 |
| Atchison, Kansas | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Osage, Kansas | 1 | $ 72,000 | $ 72,000 | $ 101,000 |
| Pottawatomie, Kansas | 1 | $ 400,000 | $ 400,000 | $ 85,000 |
| Camden, Missouri | 1 | $ 43,000 | $ 43,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for First State Bank & Trust in 2016
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 | 145 | $24,273,000 | $167,000 | $864,000 | $86,000 | $756,000 |
| Refinancing | 99 | $15,274,000 | $154,000 | $657,000 | $72,000 | $252,000 |
| Home Improvement | 42 | $6,946,000 | $165,000 | $755,000 | $69,000 | $228,000 |
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 | 235 | $36,934,000 | $157,000 | $864,000 | $93,000 | $756,000 |
| Not applicable | 42 | $8,627,000 | $205,000 | $755,000 | $0 | $7,000 |
| Hispanic | 3 | $510,000 | $170,000 | $245,000 | $71,000 | $100,000 |
| Asian | 2 | $165,000 | $82,000 | $131,000 | $48,000 | $59,000 |
| Not Provided | 2 | $147,000 | $73,000 | $77,000 | $53,000 | $106,000 |
| American Indian or Alaskan Native | 1 | $50,000 | $50,000 | $50,000 | $11,000 | $11,000 |
| Black or African American | 1 | $60,000 | $60,000 | $60,000 | $90,000 | $90,000 |
| Native Hawaiin 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) | 285 | $46,284,000 | $162,000 | $864,000 | $79,000 | $756,000 |
| FHA-insured (Federal Housing Administration) | 1 | $209,000 | $209,000 | $209,000 | $47,000 | $47,000 |
| 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 | 205 | $36,303,000 | $177,000 | $864,000 | $82,000 | $756,000 |
| Application Denied By Financial Institution | 39 | $5,273,000 | $135,000 | $329,000 | $61,000 | $185,000 |
| Application Approved But Not Accepted | 20 | $2,122,000 | $106,000 | $280,000 | $86,000 | $213,000 |
| Application Withdrawn By Applicant | 10 | $1,452,000 | $145,000 | $278,000 | $82,000 | $135,000 |
| Preapproval Denied by Financial Institution | 7 | $692,000 | $98,000 | $153,000 | $39,000 | $90,000 |
| File Closed For Incompleteness | 5 | $651,000 | $130,000 | $197,000 | $78,000 | $129,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 2016 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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