Gnbank, N.A. Mortgage Lending & HMDA Data, 2023
In 2023, Gnbank, N.A. of Girard, KS reported 303 mortgage applications totaling $44.8 million, down 23% from 2022. The average application was for $147,706, and applicants reported an average income of $121,372. 65% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Topeka, KS (23), Kansas City, MO-KS (15) and St. Joseph, MO-KS (6) (applications in parentheses).
| Mortgage Company & Address | Gnbank, N.A. 100 E Forest (Po Box 67) Girard, KS 66743 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 303 |
| Total Mortgage Loan Application Amount | $44,755,000 |
| Average Mortgage Loan Application Amount | $147,706 |
| Highest Mortgage Loan Application Amount | $1,285,000 |
| Average Applicant Income | $121,372 |
| Highest Applicant Income | $2,351,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gnbank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Crawford, Kansas | 96 | $ 13,940,000 | $ 145,208 | $ 130,000 |
| Brown, Kansas | 46 | $ 5,020,000 | $ 109,130 | $ 89,000 |
| Prowers, Colorado | 25 | $ 3,405,000 | $ 136,200 | $ 62,000 |
| Jackson, Kansas | 20 | $ 2,350,000 | $ 117,500 | $ 85,000 |
| Woodson, Kansas | 12 | $ 1,490,000 | $ 124,166 | $ 105,000 |
| Clay, Kansas | 10 | $ 1,090,000 | $ 109,000 | $ 60,000 |
| Atchison, Kansas | 9 | $ 935,000 | $ 103,888 | $ 123,000 |
| Kiowa, Colorado | 6 | $ 520,000 | $ 86,666 | $ 104,000 |
| Doniphan, Kansas | 6 | $ 800,000 | $ 133,333 | $ 89,000 |
| Johnson, Kansas | 5 | $ 3,125,000 | $ 625,000 | $ 561,000 |
| Barton, Missouri | 4 | $ 560,000 | $ 140,000 | $ 101,000 |
| Bourbon, Kansas | 3 | $ 495,000 | $ 165,000 | $ 73,000 |
| Edwards, Kansas | 3 | $ 145,000 | $ 48,333 | $ 29,000 |
| Franklin, Kansas | 3 | $ 575,000 | $ 191,666 | $ 116,000 |
| Jefferson, Kansas | 3 | $ 945,000 | $ 315,000 | $ 149,000 |
| Leavenworth, Kansas | 3 | $ 785,000 | $ 261,666 | $ 170,000 |
| Nemaha, Kansas | 3 | $ 425,000 | $ 141,666 | $ 51,000 |
| Neosho, Kansas | 3 | $ 585,000 | $ 195,000 | $ 143,000 |
| Richardson, Nebraska | 3 | $ 415,000 | $ 138,333 | $ 296,000 |
| Baca, Colorado | 2 | $ 110,000 | $ 55,000 | $ 113,000 |
| Cherokee, Kansas | 2 | $ 60,000 | $ 30,000 | $ 57,000 |
| Douglas, Kansas | 2 | $ 950,000 | $ 475,000 | $ 863,000 |
| Riley, Kansas | 2 | $ 580,000 | $ 290,000 | $ 121,000 |
| Wyandotte, Kansas | 2 | $ 550,000 | $ 275,000 | $ 209,000 |
| Bates, Missouri | 2 | $ 730,000 | $ 365,000 | $ 452,000 |
| Vernon, Missouri | 2 | $ 90,000 | $ 45,000 | $ 34,000 |
| Carroll, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Bent, Colorado | 1 | $ 295,000 | $ 295,000 | $ 85,000 |
| Marion, Florida | 1 | $ 205,000 | $ 205,000 | $ 511,000 |
| Allen, Kansas | 1 | $ 55,000 | $ 55,000 | $ 251,000 |
| Barber, Kansas | 1 | $ 95,000 | $ 95,000 | $ 79,000 |
| Butler, Kansas | 1 | $ 225,000 | $ 225,000 | $ 175,000 |
| Chautauqua, Kansas | 1 | $ 165,000 | $ 165,000 | $ 113,000 |
| Clark, Kansas | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Cloud, Kansas | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Ford, Kansas | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Gray, Kansas | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Lincoln, Kansas | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Marshall, Kansas | 1 | $ 165,000 | $ 165,000 | $ 18,000 |
| Pottawatomie, Kansas | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Reno, Kansas | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Saline, Kansas | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Wilson, Kansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Caldwell, Missouri | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Clay, Missouri | 1 | $ 555,000 | $ 555,000 | $ 48,000 |
| Clinton, Missouri | 1 | $ 125,000 | $ 125,000 | $ 6,000 |
| Greene, Missouri | 1 | $ 185,000 | $ 185,000 | $ 112,000 |
| Jasper, Missouri | 1 | $ 35,000 | $ 35,000 | $ 61,000 |
| Newton, Missouri | 1 | $ 185,000 | $ 185,000 | $ 144,000 |
| Stone, Missouri | 1 | $ 345,000 | $ 345,000 | $ 881,000 |
| Kay, Oklahoma | 1 | $ 325,000 | $ 325,000 | $ 291,000 |
| Fremont, Wyoming | 1 | $ 155,000 | $ 155,000 | $ 158,000 |
Mortgage Loan Application Detail Totals for Gnbank, N.A. in 2023
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 | 150 | $22,780,000 | $151,000 | $1,285,000 | $103,000 | $1,502,000 |
| Refinancing | 97 | $17,735,000 | $182,000 | $715,000 | $146,000 | $2,351,000 |
| Other Purpose | 28 | $2,270,000 | $81,000 | $345,000 | $123,000 | $881,000 |
| Home Improvement | 20 | $1,120,000 | $56,000 | $155,000 | $156,000 | $552,000 |
| Cash-out Refinancing | 8 | $850,000 | $106,000 | $275,000 | $75,000 | $113,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 252 | $37,240,000 | $147,000 | $1,285,000 | $128,000 | $2,351,000 |
| Hispanic | 20 | $2,150,000 | $107,000 | $315,000 | $50,000 | $138,000 |
| Not applicable | 12 | $2,580,000 | $215,000 | $845,000 | $0 | $0 |
| Not Provided | 12 | $2,280,000 | $190,000 | $535,000 | $145,000 | $458,000 |
| American Indian or Alaskan Native | 5 | $355,000 | $71,000 | $95,000 | $49,000 | $82,000 |
| Black or African American | 2 | $150,000 | $75,000 | $75,000 | $49,000 | $58,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 267 | $40,605,000 | $152,000 | $1,285,000 | $131,000 | $2,351,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $4,150,000 | $115,000 | $265,000 | $62,000 | $106,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 197 | $28,675,000 | $145,000 | $1,285,000 | $134,000 | $2,351,000 |
| Application Denied By Financial Institution | 49 | $5,765,000 | $117,000 | $385,000 | $66,000 | $297,000 |
| Application Withdrawn By Applicant | 41 | $7,175,000 | $175,000 | $715,000 | $137,000 | $552,000 |
| File Closed For Incompleteness | 15 | $3,025,000 | $201,000 | $425,000 | $107,000 | $263,000 |
| Application Approved But Not Accepted | 1 | $115,000 | $115,000 | $115,000 | $58,000 | $58,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 254 | $38,990,000 | $153,000 | $1,285,000 | $133,000 | $2,351,000 |
| Debt-To-Income Ratio | 24 | $3,390,000 | $141,000 | $385,000 | $60,000 | $127,000 |
| Credit History | 20 | $1,730,000 | $86,000 | $175,000 | $72,000 | $297,000 |
| Employment History | 2 | $200,000 | $100,000 | $125,000 | $75,000 | $114,000 |
| Collateral | 2 | $200,000 | $100,000 | $165,000 | $76,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $245,000 | $245,000 | $245,000 | $80,000 | $80,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 Gnbank, N.A.'s 2023 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 Gnbank, N.A.'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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