Gnb Mortgage Company Inc Mortgage Lending & HMDA Data, 2013
In 2013, Gnb Mortgage Company Inc of Horton, KS reported 500 mortgage applications totaling $53.6 million, down 17% from 2012. The average application was for $107,128, and applicants reported an average income of $68,180. 32% of its applications resulted in an originated loan and 42% were denied. Its largest markets were Topeka, KS (58), St. Joseph, MO-KS (12) and Kansas City, MO-KS (10) (applications in parentheses).
| Mortgage Company & Address | Gnb Mortgage Company Inc 112 E 8th Street, Po Box 149 Horton, KS 66439 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 500 |
| Total Mortgage Loan Application Amount | $53,564,000 |
| Average Mortgage Loan Application Amount | $107,128 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $68,180 |
| Highest Applicant Income | $628,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gnb Mortgage Company Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Brown, Kansas | 91 | $ 7,891,000 | $ 86,714 | $ 57,000 |
| Clay, Kansas | 72 | $ 7,519,000 | $ 104,430 | $ 60,000 |
| Crawford, Kansas | 68 | $ 9,232,000 | $ 135,764 | $ 79,000 |
| Atchison, Kansas | 46 | $ 4,252,000 | $ 92,434 | $ 54,000 |
| Jackson, Kansas | 43 | $ 4,801,000 | $ 111,651 | $ 60,000 |
| Prowers, Colorado | 41 | $ 3,387,000 | $ 82,609 | $ 59,000 |
| Doniphan, Kansas | 10 | $ 1,027,000 | $ 102,700 | $ 88,000 |
| Nemaha, Kansas | 10 | $ 1,050,000 | $ 105,000 | $ 54,000 |
| Kiowa, Colorado | 9 | $ 751,000 | $ 83,444 | $ 54,000 |
| Jefferson, Kansas | 9 | $ 1,205,000 | $ 133,888 | $ 84,000 |
| Woodson, Kansas | 9 | $ 733,000 | $ 81,444 | $ 47,000 |
| Marshall, Kansas | 8 | $ 994,000 | $ 124,250 | $ 100,000 |
| Bent, Colorado | 6 | $ 656,000 | $ 109,333 | $ 63,000 |
| Johnson, Kansas | 6 | $ 907,000 | $ 151,166 | $ 53,000 |
| Shawnee, Kansas | 5 | $ 594,000 | $ 118,800 | $ 114,000 |
| Edwards, Kansas | 4 | $ 299,000 | $ 74,750 | $ 76,000 |
| Ford, Kansas | 4 | $ 475,000 | $ 118,750 | $ 43,000 |
| Stafford, Kansas | 4 | $ 860,000 | $ 215,000 | $ 46,000 |
| Baca, Colorado | 3 | $ 413,000 | $ 137,666 | $ 94,000 |
| Dickinson, Kansas | 3 | $ 408,000 | $ 136,000 | $ 50,000 |
| Cheyenne, Colorado | 2 | $ 151,000 | $ 75,500 | $ 93,000 |
| Allen, Kansas | 2 | $ 286,000 | $ 143,000 | $ 47,000 |
| Cherokee, Kansas | 2 | $ 155,000 | $ 77,500 | $ 100,000 |
| Cloud, Kansas | 2 | $ 135,000 | $ 67,500 | $ 51,000 |
| McPherson, Kansas | 2 | $ 326,000 | $ 163,000 | $ 104,000 |
| Pottawatomie, Kansas | 2 | $ 170,000 | $ 85,000 | $ 39,000 |
| Riley, Kansas | 2 | $ 287,000 | $ 143,500 | $ 99,000 |
| Wyandotte, Kansas | 2 | $ 250,000 | $ 125,000 | $ 45,000 |
| Buchanan, Missouri | 2 | $ 382,000 | $ 191,000 | $ 153,000 |
| Greene, Missouri | 2 | $ 139,000 | $ 69,500 | $ 56,000 |
| Denver, Colorado | 1 | $ 174,000 | $ 174,000 | $ 37,000 |
| Douglas, Colorado | 1 | $ 115,000 | $ 115,000 | $ 240,000 |
| El Paso, Colorado | 1 | $ 94,000 | $ 94,000 | $ 344,000 |
| Fremont, Colorado | 1 | $ 288,000 | $ 288,000 | $ 578,000 |
| Jefferson, Colorado | 1 | $ 174,000 | $ 174,000 | $ 628,000 |
| Kit Carson, Colorado | 1 | $ 165,000 | $ 165,000 | $ 360,000 |
| Hall, Georgia | 1 | $ 148,000 | $ 148,000 | $ 155,000 |
| Coffey, Kansas | 1 | $ 68,000 | $ 68,000 | $ 24,000 |
| Douglas, Kansas | 1 | $ 60,000 | $ 60,000 | $ 97,000 |
| Ellsworth, Kansas | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Franklin, Kansas | 1 | $ 18,000 | $ 18,000 | $ 10,000 |
| Gray, Kansas | 1 | $ 214,000 | $ 214,000 | $ 108,000 |
| Greeley, Kansas | 1 | $ 70,000 | $ 70,000 | $ 55,000 |
| Mitchell, Kansas | 1 | $ 144,000 | $ 144,000 | $ 173,000 |
| Neosho, Kansas | 1 | $ 165,000 | $ 165,000 | $ 34,000 |
| Osage, Kansas | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Ottawa, Kansas | 1 | $ 60,000 | $ 60,000 | $ 32,000 |
| Pawnee, Kansas | 1 | $ 76,000 | $ 76,000 | $ 41,000 |
| Pratt, Kansas | 1 | $ 317,000 | $ 317,000 | $ 178,000 |
| Republic, Kansas | 1 | $ 70,000 | $ 70,000 | $ 36,000 |
| Saline, Kansas | 1 | $ 80,000 | $ 80,000 | $ 29,000 |
| Sedgwick, Kansas | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Washington, Kansas | 1 | $ 220,000 | $ 220,000 | $ 120,000 |
| Holt, Missouri | 1 | $ 120,000 | $ 120,000 | $ 108,000 |
| Jackson, Missouri | 1 | $ 417,000 | $ 417,000 | $ 40,000 |
| Jasper, Missouri | 1 | $ 91,000 | $ 91,000 | $ 41,000 |
| Richardson, Nebraska | 1 | $ 100,000 | $ 100,000 | $ 132,000 |
| Bexar, Texas | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Parker, Texas | 1 | $ 36,000 | $ 36,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Gnb Mortgage Company Inc 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 |
|---|---|---|---|---|---|---|
| Refinancing | 261 | $31,803,000 | $121,000 | $417,000 | $80,000 | $628,000 |
| Home Purchase | 234 | $21,267,000 | $90,000 | $350,000 | $55,000 | $578,000 |
| Home Improvement | 5 | $494,000 | $98,000 | $178,000 | $68,000 | $94,000 |
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 | 399 | $43,890,000 | $110,000 | $417,000 | $69,000 | $628,000 |
| Not Provided | 80 | $8,030,000 | $100,000 | $315,000 | $68,000 | $360,000 |
| Hispanic | 10 | $911,000 | $91,000 | $200,000 | $46,000 | $121,000 |
| American Indian or Alaskan Native | 7 | $531,000 | $75,000 | $178,000 | $51,000 | $95,000 |
| Black or African American | 4 | $202,000 | $50,000 | $65,000 | $27,000 | $60,000 |
| Asian | 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) | 336 | $40,365,000 | $120,000 | $417,000 | $81,000 | $628,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 164 | $13,199,000 | $80,000 | $200,000 | $42,000 | $152,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 210 | $19,856,000 | $94,000 | $417,000 | $49,000 | $278,000 |
| Loan Originated | 159 | $16,836,000 | $105,000 | $417,000 | $85,000 | $628,000 |
| File Closed For Incompleteness | 91 | $11,615,000 | $127,000 | $400,000 | $76,000 | $423,000 |
| Application Withdrawn By Applicant | 40 | $5,257,000 | $131,000 | $417,000 | $85,000 | $344,000 |
| 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 | 125 | $10,334,000 | $82,000 | $357,000 | $47,000 | $278,000 |
| Debt-To-Income Ratio | 57 | $6,343,000 | $111,000 | $417,000 | $45,000 | $174,000 |
| Other | 12 | $1,403,000 | $116,000 | $214,000 | $61,000 | $146,000 |
| Collateral | 10 | $1,198,000 | $119,000 | $298,000 | $71,000 | $118,000 |
| Employment History | 6 | $578,000 | $96,000 | $125,000 | $69,000 | $139,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gnb Mortgage Company Inc'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 Gnb Mortgage Company Inc'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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