Gold Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Gold Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Gold Bank 6860 W 115Th St Suite 100 Overland Park, KS 66211 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,071 |
| Total Mortgage Loan Application Amount | $308,335,000 |
| Average Mortgage Loan Application Amount | $312,733 |
| Highest Mortgage Loan Application Amount | $12,033,000 |
| Average Applicant Income | $141,200 |
| Highest Applicant Income | $6,807,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Gold Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Gold Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Gold Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Gold Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Gold Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Gold Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jackson County Missouri | 301 | $ 49,008,000 | $ 162,000 | $ 76,000 |
| Johnson County Kansas | 203 | $ 39,875,000 | $ 196,000 | $ 162,000 |
| Manatee County Florida | 197 | $ 34,830,000 | $ 176,000 | $ 145,000 |
| Buchanan County Missouri | 190 | $ 18,195,000 | $ 95,000 | $ 53,000 |
| Tulsa County Oklahoma | 137 | $ 15,502,000 | $ 113,000 | $ 81,000 |
| Crawford County Kansas | 134 | $ 8,142,000 | $ 60,000 | $ 52,000 |
| Wyandotte County Kansas | 100 | $ 8,116,000 | $ 81,000 | $ 51,000 |
| Garfield County Oklahoma | 88 | $ 10,543,000 | $ 119,000 | $ 86,000 |
| Oklahoma County Oklahoma | 72 | $ 12,037,000 | $ 167,000 | $ 136,000 |
| Canadian County Oklahoma | 64 | $ 3,333,000 | $ 52,000 | $ 41,000 |
| Clay County Missouri | 63 | $ 6,315,000 | $ 100,000 | $ 84,000 |
| Kingfisher County Oklahoma | 62 | $ 2,595,000 | $ 41,000 | $ 42,000 |
| Sarasota County Florida | 59 | $ 20,751,000 | $ 351,000 | $ 132,000 |
| Charlotte County Florida | 36 | $ 4,668,000 | $ 129,000 | $ 60,000 |
| Andrew County Missouri | 32 | $ 3,413,000 | $ 106,000 | $ 48,000 |
| Hillsborough County Florida | 28 | $ 9,245,000 | $ 330,000 | $ 121,000 |
| Platte County Missouri | 20 | $ 4,297,000 | $ 214,000 | $ 187,000 |
| Nemaha County Kansas | 15 | $ 1,372,000 | $ 91,000 | $ 56,000 |
| Cleveland County Oklahoma | 11 | $ 1,024,000 | $ 93,000 | $ 35,000 |
| Leavenworth County Kansas | 7 | $ 786,000 | $ 112,000 | $ 71,000 |
| Cass County Missouri | 7 | $ 6,107,000 | $ 872,000 | $ 49,000 |
| Clinton County Missouri | 7 | $ 847,000 | $ 121,000 | $ 61,000 |
| Custer County Oklahoma | 7 | $ 1,001,000 | $ 143,000 | $ 206,000 |
| Cherokee County Kansas | 6 | $ 182,000 | $ 30,000 | $ 36,000 |
| Morgan County Missouri | 6 | $ 572,000 | $ 95,000 | $ 89,000 |
| Wagoner County Oklahoma | 6 | $ 534,000 | $ 89,000 | $ 97,000 |
| Pinellas County Florida | 5 | $ 1,814,000 | $ 362,000 | $ 101,000 |
| Atchison County Missouri | 5 | $ 513,000 | $ 102,000 | $ 74,000 |
| Grady County Oklahoma | 5 | $ 513,000 | $ 102,000 | $ 58,000 |
| Rogers County Oklahoma | 5 | $ 2,016,000 | $ 403,000 | $ 32,000 |
| Davidson County Tennessee | 5 | $ 665,000 | $ 133,000 | $ 0 |
| Clay County Kansas | 4 | $ 161,000 | $ 40,000 | $ 17,000 |
| Cloud County Kansas | 4 | $ 67,000 | $ 16,000 | $ 37,000 |
| DeKalb County Missouri | 4 | $ 235,000 | $ 58,000 | $ 36,000 |
| Blaine County Oklahoma | 4 | $ 228,000 | $ 57,000 | $ 50,000 |
| Creek County Oklahoma | 4 | $ 322,000 | $ 80,000 | $ 57,000 |
| Muskogee County Oklahoma | 4 | $ 127,000 | $ 31,000 | $ 21,000 |
| Okmulgee County Oklahoma | 4 | $ 383,000 | $ 95,000 | $ 32,000 |
| Osage County Oklahoma | 4 | $ 218,000 | $ 54,000 | $ 62,000 |
| Payne County Oklahoma | 4 | $ 201,000 | $ 50,000 | $ 52,000 |
| Collier County Florida | 3 | $ 5,384,000 | $ 1,794,000 | $ 3,000,000 |
| Miami County Kansas | 3 | $ 332,000 | $ 110,000 | $ 66,000 |
| Camden County Missouri | 3 | $ 890,000 | $ 296,000 | $ 172,000 |
| Caddo County Oklahoma | 3 | $ 127,000 | $ 42,000 | $ 28,000 |
| Delaware County Oklahoma | 3 | $ 385,000 | $ 128,000 | $ 85,000 |
| Grant County Oklahoma | 3 | $ 216,000 | $ 72,000 | $ 80,000 |
| Logan County Oklahoma | 3 | $ 322,000 | $ 107,000 | $ 15,000 |
| Washita County Oklahoma | 3 | $ 88,000 | $ 29,000 | $ 66,000 |
| Benton County Arkansas | 2 | $ 588,000 | $ 294,000 | $ 679,000 |
| Broward County Florida | 2 | $ 1,087,000 | $ 543,000 | $ 136,000 |
| Hardee County Florida | 2 | $ 244,000 | $ 122,000 | $ 35,000 |
| Pasco County Florida | 2 | $ 217,000 | $ 108,000 | $ 33,000 |
| Walton County Florida | 2 | $ 675,000 | $ 337,000 | $ 984,000 |
| Porter County Indiana | 2 | $ 155,000 | $ 77,000 | $ 58,000 |
| Riley County Kansas | 2 | $ 253,000 | $ 126,000 | $ 0 |
| Suffolk County Massachusetts | 2 | $ 466,000 | $ 233,000 | $ 95,000 |
| Boone County Missouri | 2 | $ 262,000 | $ 131,000 | $ 93,000 |
| Gentry County Missouri | 2 | $ 161,000 | $ 80,000 | $ 38,000 |
| Greene County Missouri | 2 | $ 1,304,000 | $ 652,000 | $ 618,000 |
| Lafayette County Missouri | 2 | $ 365,000 | $ 182,000 | $ 178,000 |
| Newton County Missouri | 2 | $ 117,000 | $ 58,000 | $ 113,000 |
| Cimarron County Oklahoma | 2 | $ 102,000 | $ 51,000 | $ 88,000 |
| Major County Oklahoma | 2 | $ 156,000 | $ 78,000 | $ 66,000 |
| Nowata County Oklahoma | 2 | $ 84,000 | $ 42,000 | $ 37,000 |
| Dallas County Texas | 2 | $ 322,000 | $ 161,000 | $ 230,000 |
| Coconino County Arizona | 1 | $ 131,000 | $ 131,000 | $ 60,000 |
| Maricopa County Arizona | 1 | $ 250,000 | $ 250,000 | $ 38,000 |
| Santa Barbara County California | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Eagle County Colorado | 1 | $ 50,000 | $ 50,000 | $ 200,000 |
| El Paso County Colorado | 1 | $ 132,000 | $ 132,000 | $ 443,000 |
| DeSoto County Florida | 1 | $ 200,000 | $ 200,000 | $ 126,000 |
| Indian River County Florida | 1 | $ 512,000 | $ 512,000 | $ 300,000 |
| Lee County Florida | 1 | $ 32,000 | $ 32,000 | $ 150,000 |
| Leon County Florida | 1 | $ 5,000,000 | $ 5,000,000 | $ 1,297,000 |
| Marion County Florida | 1 | $ 65,000 | $ 65,000 | $ 59,000 |
| Palm Beach County Florida | 1 | $ 2,400,000 | $ 2,400,000 | $ 0 |
| McHenry County Illinois | 1 | $ 100,000 | $ 100,000 | $ 286,000 |
| Anderson County Kansas | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| Bourbon County Kansas | 1 | $ 88,000 | $ 88,000 | $ 75,000 |
| Brown County Kansas | 1 | $ 14,000 | $ 14,000 | $ 38,000 |
| Decatur County Kansas | 1 | $ 54,000 | $ 54,000 | $ 60,000 |
| Doniphan County Kansas | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Douglas County Kansas | 1 | $ 96,000 | $ 96,000 | $ 174,000 |
| Franklin County Kansas | 1 | $ 134,000 | $ 134,000 | $ 54,000 |
| Jackson County Kansas | 1 | $ 76,000 | $ 76,000 | $ 43,000 |
| Jefferson County Kansas | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Labette County Kansas | 1 | $ 73,000 | $ 73,000 | $ 46,000 |
| Linn County Kansas | 1 | $ 31,000 | $ 31,000 | $ 85,000 |
| Marshall County Kansas | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Rooks County Kansas | 1 | $ 34,000 | $ 34,000 | $ 17,000 |
| Russell County Kansas | 1 | $ 44,000 | $ 44,000 | $ 47,000 |
| Sedgwick County Kansas | 1 | $ 18,000 | $ 18,000 | $ 350,000 |
| Sumner County Kansas | 1 | $ 73,000 | $ 73,000 | $ 33,000 |
| Washington County Kansas | 1 | $ 24,000 | $ 24,000 | $ 18,000 |
| Wayne County Michigan | 1 | $ 95,000 | $ 95,000 | $ 75,000 |
| Barton County Missouri | 1 | $ 53,000 | $ 53,000 | $ 76,000 |
| Bates County Missouri | 1 | $ 141,000 | $ 141,000 | $ 58,000 |
| Cape Girardeau County Missouri | 1 | $ 170,000 | $ 170,000 | $ 85,000 |
| Cedar County Missouri | 1 | $ 153,000 | $ 153,000 | $ 149,000 |
| Henry County Missouri | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| Holt County Missouri | 1 | $ 82,000 | $ 82,000 | $ 46,000 |
| Jasper County Missouri | 1 | $ 106,000 | $ 106,000 | $ 75,000 |
| Johnson County Missouri | 1 | $ 225,000 | $ 225,000 | $ 116,000 |
| Livingston County Missouri | 1 | $ 187,000 | $ 187,000 | $ 67,000 |
| Pettis County Missouri | 1 | $ 158,000 | $ 158,000 | $ 101,000 |
| Stone County Missouri | 1 | $ 51,000 | $ 51,000 | $ 146,000 |
| Gallatin County Montana | 1 | $ 200,000 | $ 200,000 | $ 175,000 |
| Red Willow County Nebraska | 1 | $ 41,000 | $ 41,000 | $ 26,000 |
| Alfalfa County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Ellis County Oklahoma | 1 | $ 379,000 | $ 379,000 | $ 0 |
| Jackson County Oklahoma | 1 | $ 2,000 | $ 2,000 | $ 91,000 |
| Lincoln County Oklahoma | 1 | $ 50,000 | $ 50,000 | $ 52,000 |
| Marshall County Oklahoma | 1 | $ 40,000 | $ 40,000 | $ 39,000 |
| McClain County Oklahoma | 1 | $ 86,000 | $ 86,000 | $ 67,000 |
| Pawnee County Oklahoma | 1 | $ 264,000 | $ 264,000 | $ 97,000 |
| Stephens County Oklahoma | 1 | $ 36,000 | $ 36,000 | $ 19,000 |
| Rutherford County Tennessee | 1 | $ 3,628,000 | $ 3,628,000 | $ 0 |
| Cooke County Texas | 1 | $ 1,125,000 | $ 1,125,000 | $ 343,000 |
Mortgage Loan Application Detail Totals for Gold Bank in 2004
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 | 1,018 | $169,010,000 | $183,000 | $12,033,000 | $175,272 | $6,807,000 |
| Refinancing | 853 | $129,899,000 | $620,090 | $5,000,000 | $102,636 | $1,400,000 |
| Home Improvement | 200 | $9,426,000 | $68,500 | $1,250,000 | $147,375 | $996,000 |
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 | 1,405 | $176,625,000 | $170,000 | $4,000,000 | $130,538 | $6,807,000 |
| Not applicable | 308 | $90,914,000 | $625,000 | $12,033,000 | $74,666 | $4,162,000 |
| Not Provided | 149 | $20,727,000 | $156,571 | $1,000,000 | $141,714 | $1,400,000 |
| Hispanic | 114 | $9,137,000 | $116,428 | $328,000 | $149,142 | $679,000 |
| Black or African American | 67 | $6,185,000 | $107,400 | $645,000 | $76,000 | $377,000 |
| Asian | 15 | $3,431,000 | $198,800 | $600,000 | $225,800 | $2,190,000 |
| American Indian or Alaskan Native | 10 | $1,011,000 | $215,333 | $520,000 | $130,333 | $220,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $305,000 | $97,000 | $111,000 | $48,500 | $54,000 |
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) | 1,958 | $298,370,000 | $251,588 | $12,033,000 | $150,411 | $6,807,000 |
| FHA-insured (Federal Housing Administration) | 95 | $8,077,000 | $90,000 | $226,000 | $36,000 | $160,000 |
| VA-guaranteed (Veterans Administration) | 18 | $1,888,000 | $110,800 | $168,000 | $47,400 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,576 | $244,294,000 | $280,285 | $12,033,000 | $179,785 | $6,807,000 |
| Application Denied By Financial Institution | 208 | $22,828,000 | $109,750 | $1,900,000 | $49,500 | $1,228,000 |
| Application Withdrawn By Applicant | 106 | $17,652,000 | $169,571 | $5,000,000 | $187,857 | $748,000 |
| File Closed For Incompleteness | 70 | $11,007,000 | $137,750 | $910,000 | $91,750 | $910,000 |
| Application Approved But Not Accepted | 66 | $7,114,000 | $139,600 | $995,000 | $76,600 | $684,000 |
| Preapproval Approved but not Accepted | 30 | $3,735,000 | $124,000 | $350,000 | $63,000 | $156,000 |
| Preapproval Denied by Financial Institution | 11 | $1,267,000 | $115,000 | $285,000 | $54,000 | $160,000 |
| Loan Purchased By The Institution | 4 | $438,000 | $109,000 | $194,000 | $18,000 | $75,000 |
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 Gold Bank's 2004 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 Gold Bank'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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