The First St B&Tc of Larned Mortgage Lending & HMDA Data, 2014
In 2014, The First St B&Tc of Larned of Larned, KS reported 16 mortgage applications totaling $756,000, down 36% from 2013. The average application was for $47,250, and applicants reported an average income of $99,125. 81% of its applications resulted in an originated loan and 19% were denied.
| Mortgage Company & Address | The First St B&Tc of Larned 116 W. 6th Street Larned, KS 67550 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 16 |
| Total Mortgage Loan Application Amount | $756,000 |
| Average Mortgage Loan Application Amount | $47,250 |
| Highest Mortgage Loan Application Amount | $150,000 |
| Average Applicant Income | $99,125 |
| Highest Applicant Income | $317,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The First St B&Tc of Larned filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Pawnee, Kansas | 7 | $ 322,000 | $ 46,000 | $ 131,000 |
| Pratt, Kansas | 7 | $ 350,000 | $ 50,000 | $ 74,000 |
| Barton, Kansas | 1 | $ 4,000 | $ 4,000 | $ 53,000 |
| Rush, Kansas | 1 | $ 80,000 | $ 80,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for The First St B&Tc of Larned 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 | 12 | $478,000 | $39,000 | $117,000 | $76,000 | $120,000 |
| Home Purchase | 3 | $274,000 | $91,000 | $150,000 | $207,000 | $317,000 |
| Home Improvement | 1 | $4,000 | $4,000 | $4,000 | $53,000 | $53,000 |
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 | 15 | $751,000 | $50,000 | $150,000 | $103,000 | $317,000 |
| Not Provided | 1 | $5,000 | $5,000 | $5,000 | $42,000 | $42,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 16 | $756,000 | $47,000 | $150,000 | $99,000 | $317,000 |
| 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 | 13 | $630,000 | $48,000 | $150,000 | $108,000 | $317,000 |
| Application Denied By Financial Institution | 3 | $126,000 | $42,000 | $117,000 | $60,000 | $85,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $4,000 | $4,000 | $4,000 | $53,000 | $53,000 |
| Debt-To-Income Ratio | 1 | $117,000 | $117,000 | $117,000 | $85,000 | $85,000 |
| Other | 1 | $5,000 | $5,000 | $5,000 | $42,000 | $42,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First St B&Tc of Larned'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 The First St B&Tc of Larned'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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