Garnett State Saving Bank - Ga Mortgage Lending & HMDA Data, 2013
In 2013, Garnett State Saving Bank - Ga of Garnett, KS reported 136 mortgage applications totaling $8.6 million, up 51% from 2012. The average application was for $62,963, and applicants reported an average income of $71,338. 87% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Kansas City, MO-KS (38), Topeka, KS (5) and Houston-Sugar Land-Baytown, TX (1) (applications in parentheses).
| Mortgage Company & Address | Garnett State Saving Bank - Ga 106 E 5th Garnett, KS 66032 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 136 |
| Total Mortgage Loan Application Amount | $8,563,000 |
| Average Mortgage Loan Application Amount | $62,963 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $71,338 |
| Highest Applicant Income | $2,286,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Garnett State Saving Bank - Ga filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Anderson, Kansas | 46 | $ 2,381,000 | $ 51,760 | $ 55,000 |
| Franklin, Kansas | 36 | $ 2,298,000 | $ 63,833 | $ 58,000 |
| Neosho, Kansas | 17 | $ 830,000 | $ 48,823 | $ 57,000 |
| Crawford, Kansas | 13 | $ 636,000 | $ 48,923 | $ 52,000 |
| Allen, Kansas | 7 | $ 204,000 | $ 29,142 | $ 26,000 |
| Osage, Kansas | 5 | $ 164,000 | $ 32,800 | $ 41,000 |
| Labette, Kansas | 4 | $ 1,048,000 | $ 262,000 | $ 593,000 |
| Bourbon, Kansas | 2 | $ 207,000 | $ 103,500 | $ 29,000 |
| Miami, Kansas | 2 | $ 501,000 | $ 250,500 | $ 178,000 |
| Coffey, Kansas | 1 | $ 40,000 | $ 40,000 | $ 31,000 |
| Sedgwick, Kansas | 1 | $ 170,000 | $ 170,000 | $ 79,000 |
| Wilson, Kansas | 1 | $ 64,000 | $ 64,000 | $ 72,000 |
| Montgomery, Texas | 1 | $ 20,000 | $ 20,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Garnett State Saving Bank - Ga in 2013
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 | 59 | $4,548,000 | $77,000 | $950,000 | $95,000 | $2,286,000 |
| Refinancing | 46 | $2,835,000 | $61,000 | $471,000 | $52,000 | $274,000 |
| Home Improvement | 31 | $1,180,000 | $38,000 | $109,000 | $55,000 | $128,000 |
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 | 128 | $8,176,000 | $63,000 | $950,000 | $73,000 | $2,286,000 |
| Not applicable | 4 | $227,000 | $56,000 | $142,000 | $0 | $0 |
| Not Provided | 2 | $40,000 | $20,000 | $28,000 | $100,000 | $119,000 |
| Asian | 1 | $60,000 | $60,000 | $60,000 | $46,000 | $46,000 |
| Hispanic | 1 | $60,000 | $60,000 | $60,000 | $52,000 | $52,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 136 | $8,563,000 | $62,000 | $950,000 | $71,000 | $2,286,000 |
| 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 | 118 | $7,339,000 | $62,000 | $950,000 | $74,000 | $2,286,000 |
| Application Denied By Financial Institution | 17 | $1,042,000 | $61,000 | $164,000 | $57,000 | $132,000 |
| Application Withdrawn By Applicant | 1 | $182,000 | $182,000 | $182,000 | $52,000 | $52,000 |
| 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 | 3 | $252,000 | $84,000 | $157,000 | $91,000 | $132,000 |
| 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 |
| 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 Garnett State Saving Bank - Ga's 2013 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 Garnett State Saving Bank - Ga'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.
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