Garnett State Saving Bank - Ga Mortgage Lending & HMDA Data, 2012
In 2012, Garnett State Saving Bank - Ga of Garnett, KS reported 90 mortgage applications totaling $4.1 million, up 6% from 2011. The average application was for $45,088, and applicants reported an average income of $60,266. 82% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Kansas City, MO-KS (28) and Topeka, KS (2).
| 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 | 90 |
| Total Mortgage Loan Application Amount | $4,058,000 |
| Average Mortgage Loan Application Amount | $45,088 |
| Highest Mortgage Loan Application Amount | $272,000 |
| Average Applicant Income | $60,266 |
| Highest Applicant Income | $289,000 |
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records Garnett State Saving Bank - Ga filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Garnett State Saving Bank - Ga in 2012
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 | 44 | $1,908,000 | $43,000 | $223,000 | $76,000 | $289,000 |
| Home Improvement | 27 | $1,049,000 | $38,000 | $272,000 | $51,000 | $195,000 |
| Refinancing | 19 | $1,101,000 | $57,000 | $185,000 | $37,000 | $84,000 |
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 | 86 | $3,707,000 | $43,000 | $272,000 | $60,000 | $289,000 |
| Not applicable | 1 | $70,000 | $70,000 | $70,000 | $0 | $0 |
| Not Provided | 1 | $223,000 | $223,000 | $223,000 | $50,000 | $50,000 |
| American Indian or Alaskan Native | 1 | $17,000 | $17,000 | $17,000 | $7,000 | $7,000 |
| Hispanic | 1 | $41,000 | $41,000 | $41,000 | $197,000 | $197,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 90 | $4,058,000 | $45,000 | $272,000 | $60,000 | $289,000 |
| 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 | 74 | $3,397,000 | $45,000 | $272,000 | $64,000 | $289,000 |
| Application Denied By Financial Institution | 15 | $623,000 | $41,000 | $223,000 | $40,000 | $90,000 |
| Application Withdrawn By Applicant | 1 | $38,000 | $38,000 | $38,000 | $103,000 | $103,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Garnett State Saving Bank - Ga's 2012 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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