First State Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, First State Bank & Trust of Tonganoxie, KS reported 196 mortgage applications totaling $29.9 million, down 32% from 2013. The average application was for $152,596, and applicants reported an average income of $79,219. 65% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Kansas City, MO-KS (109), Lawrence, KS (41) and Topeka, KS (34) (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 | 196 |
| Total Mortgage Loan Application Amount | $29,909,000 |
| Average Mortgage Loan Application Amount | $152,596 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $79,219 |
| Highest Applicant Income | $1,488,000 |
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(HMDA) records First State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First State Bank & Trust in 2014
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 | 107 | $14,995,000 | $140,000 | $720,000 | $76,000 | $311,000 |
| Home Purchase | 67 | $8,882,000 | $132,000 | $712,000 | $69,000 | $284,000 |
| Home Improvement | 22 | $6,032,000 | $274,000 | $4,000,000 | $126,000 | $1,488,000 |
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 | 159 | $22,469,000 | $141,000 | $720,000 | $84,000 | $311,000 |
| Not applicable | 25 | $6,479,000 | $259,000 | $4,000,000 | $8,000 | $200,000 |
| Not Provided | 4 | $348,000 | $87,000 | $285,000 | $69,000 | $120,000 |
| Black or African American | 3 | $210,000 | $70,000 | $110,000 | $522,000 | $1,488,000 |
| Hispanic | 2 | $195,000 | $97,000 | $113,000 | $31,000 | $62,000 |
| American Indian or Alaskan Native | 2 | $180,000 | $90,000 | $100,000 | $51,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $28,000 | $28,000 | $28,000 | $66,000 | $66,000 |
| 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) | 196 | $29,909,000 | $152,000 | $4,000,000 | $80,000 | $1,488,000 |
| 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 | 127 | $19,822,000 | $156,000 | $4,000,000 | $85,000 | $1,488,000 |
| Application Denied By Financial Institution | 35 | $5,245,000 | $149,000 | $712,000 | $65,000 | $255,000 |
| Application Approved But Not Accepted | 15 | $2,028,000 | $135,000 | $415,000 | $72,000 | $228,000 |
| Application Withdrawn By Applicant | 12 | $1,774,000 | $147,000 | $625,000 | $85,000 | $221,000 |
| Preapproval Denied by Financial Institution | 5 | $828,000 | $165,000 | $315,000 | $57,000 | $112,000 |
| File Closed For Incompleteness | 2 | $212,000 | $106,000 | $110,000 | $44,000 | $57,000 |
| 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 2014 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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