First State Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, First State Bank & Trust of Tonganoxie, KS reported 238 mortgage applications totaling $39.3 million, up 21% from 2014. The average application was for $165,235, and applicants reported an average income of $81,079. 73% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Kansas City, MO-KS (137), Lawrence, KS (53) and Topeka, 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 | 238 |
| Total Mortgage Loan Application Amount | $39,326,000 |
| Average Mortgage Loan Application Amount | $165,235 |
| Highest Mortgage Loan Application Amount | $3,676,000 |
| Average Applicant Income | $81,079 |
| Highest Applicant Income | $790,000 |
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(HMDA) records First State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 137 | $ 19,412,000 | $ 141,693 | $ 79,635 |
| Lawrence, KS | 53 | $ 14,917,000 | $ 281,452 | $ 98,000 |
| Topeka, KS | 40 | $ 3,842,000 | $ 96,050 | $ 51,000 |
Mortgage Loan Application Detail Totals for First State Bank & Trust in 2015
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 | 110 | $15,906,000 | $144,000 | $988,000 | $91,000 | $790,000 |
| Refinancing | 91 | $19,401,000 | $213,000 | $3,676,000 | $74,000 | $768,000 |
| Home Improvement | 37 | $4,019,000 | $108,000 | $323,000 | $69,000 | $168,000 |
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 | 186 | $24,135,000 | $129,000 | $417,000 | $100,000 | $790,000 |
| Not applicable | 42 | $14,017,000 | $333,000 | $3,676,000 | $5,000 | $168,000 |
| Not Provided | 6 | $753,000 | $125,000 | $180,000 | $52,000 | $78,000 |
| Hispanic | 2 | $256,000 | $128,000 | $219,000 | $61,000 | $78,000 |
| American Indian or Alaskan Native | 1 | $134,000 | $134,000 | $134,000 | $31,000 | $31,000 |
| Black or African American | 1 | $31,000 | $31,000 | $31,000 | $71,000 | $71,000 |
| 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) | 237 | $39,100,000 | $164,000 | $3,676,000 | $81,000 | $790,000 |
| FHA-insured (Federal Housing Administration) | 1 | $226,000 | $226,000 | $226,000 | $95,000 | $95,000 |
| 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 | 173 | $29,810,000 | $172,000 | $3,676,000 | $88,000 | $790,000 |
| Application Denied By Financial Institution | 37 | $5,553,000 | $150,000 | $570,000 | $59,000 | $139,000 |
| Application Approved But Not Accepted | 17 | $2,415,000 | $142,000 | $286,000 | $80,000 | $148,000 |
| Preapproval Denied by Financial Institution | 7 | $1,051,000 | $150,000 | $300,000 | $47,000 | $95,000 |
| Application Withdrawn By Applicant | 3 | $440,000 | $146,000 | $260,000 | $58,000 | $110,000 |
| File Closed For Incompleteness | 1 | $57,000 | $57,000 | $57,000 | $38,000 | $38,000 |
| 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 2015 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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