The First St B&Tc of Larned Mortgage Lending & HMDA Data, 2009
In 2009, The First St B&Tc of Larned of Larned, KS reported 58 mortgage applications totaling $3.3 million, down 17% from 2008. The average application was for $57,396, and applicants reported an average income of $78,241. 66% 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 | 58 |
| Total Mortgage Loan Application Amount | $3,329,000 |
| Average Mortgage Loan Application Amount | $57,396 |
| Highest Mortgage Loan Application Amount | $208,000 |
| Average Applicant Income | $78,241 |
| Highest Applicant Income | $421,000 |
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records The First St B&Tc of Larned filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for The First St B&Tc of Larned in 2009
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 | 24 | $1,586,000 | $66,000 | $176,000 | $67,000 | $211,000 |
| Refinancing | 18 | $1,217,000 | $67,000 | $208,000 | $105,000 | $421,000 |
| Home Improvement | 16 | $526,000 | $32,000 | $140,000 | $65,000 | $253,000 |
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 | 58 | $3,329,000 | $57,000 | $208,000 | $78,000 | $421,000 |
| 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 |
| Not Provided | 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) | 58 | $3,329,000 | $57,000 | $208,000 | $78,000 | $421,000 |
| 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 | 38 | $2,043,000 | $53,000 | $176,000 | $78,000 | $417,000 |
| Application Denied By Financial Institution | 11 | $849,000 | $77,000 | $208,000 | $88,000 | $421,000 |
| Application Withdrawn By Applicant | 8 | $422,000 | $52,000 | $88,000 | $66,000 | $211,000 |
| Application Approved But Not Accepted | 1 | $15,000 | $15,000 | $15,000 | $42,000 | $42,000 |
| File Closed For Incompleteness | 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 | 8 | $383,000 | $47,000 | $120,000 | $43,000 | $72,000 |
| Other | 2 | $258,000 | $129,000 | $158,000 | $102,000 | $131,000 |
| Debt-To-Income Ratio | 1 | $208,000 | $208,000 | $208,000 | $421,000 | $421,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First St B&Tc of Larned's 2009 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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