First State Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, First State Bank & Trust of Tonganoxie, KS reported 417 mortgage applications totaling $52.7 million, down 8% from 2006. The average application was for $126,350, and applicants reported an average income of $64,664. 72% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Kansas City, MO-KS (250), Topeka, KS (60) and Lawrence, KS (59) (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 | 417 |
| Total Mortgage Loan Application Amount | $52,688,000 |
| Average Mortgage Loan Application Amount | $126,350 |
| Highest Mortgage Loan Application Amount | $2,274,000 |
| Average Applicant Income | $64,664 |
| Highest Applicant Income | $367,000 |
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(HMDA) records First State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Kansas City, MO-KS | 250 | $ 32,286,000 | $ 129,144 | $ 66,632 |
| Topeka, KS | 60 | $ 6,054,000 | $ 100,900 | $ 55,000 |
| Lawrence, KS | 59 | $ 10,446,000 | $ 177,050 | $ 65,000 |
| Wichita, KS | 43 | $ 3,116,000 | $ 72,465 | $ 67,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 365,000 | $ 365,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for First State Bank & Trust in 2007
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 | 235 | $33,542,000 | $142,000 | $2,274,000 | $65,000 | $367,000 |
| Home Purchase | 126 | $17,173,000 | $136,000 | $1,534,000 | $59,000 | $163,000 |
| Home Improvement | 56 | $1,973,000 | $35,000 | $87,000 | $76,000 | $203,000 |
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 | 373 | $42,130,000 | $112,000 | $607,000 | $71,000 | $367,000 |
| Not applicable | 33 | $9,748,000 | $295,000 | $2,274,000 | $0 | $0 |
| Hispanic | 4 | $414,000 | $103,000 | $140,000 | $67,000 | $117,000 |
| Not Provided | 3 | $126,000 | $42,000 | $70,000 | $39,000 | $65,000 |
| Black or African American | 3 | $240,000 | $80,000 | $130,000 | $48,000 | $65,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $52,000 | $52,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian 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) | 417 | $52,688,000 | $126,000 | $2,274,000 | $64,000 | $367,000 |
| 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 | 300 | $39,243,000 | $130,000 | $2,274,000 | $66,000 | $367,000 |
| Application Withdrawn By Applicant | 64 | $8,339,000 | $130,000 | $417,000 | $68,000 | $227,000 |
| Application Denied By Financial Institution | 51 | $4,796,000 | $94,000 | $350,000 | $51,000 | $117,000 |
| File Closed For Incompleteness | 2 | $310,000 | $155,000 | $165,000 | $70,000 | $94,000 |
| Application Approved But Not Accepted | 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 2007 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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