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(HMDA) records First State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wichita, KS | 114 | $ 9,628,000 | $ 84,456 | $ 53,000 |
| Lawrence, KS | 112 | $ 13,646,000 | $ 121,839 | $ 44,000 |
| Kansas City, MO-KS | 13 | $ 1,927,000 | $ 148,230 | $ 53,000 |
| Topeka, KS | 4 | $ 260,000 | $ 65,000 | $ 53,000 |
| Denver, CO | 2 | $ 364,000 | $ 182,000 | $ 67,000 |
| Chicago, IL | 1 | $ 160,000 | $ 160,000 | $ 203,000 |
| Fort Lauderdale, FL | 1 | $ 143,000 | $ 143,000 | $ 204,000 |
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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