Gold Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Gold Bank 2005 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 | 1,663 |
| Total Mortgage Loan Application Amount | $278,061,000 |
| Average Mortgage Loan Application Amount | $239,500 |
| Highest Mortgage Loan Application Amount | $7,000,000 |
| Average Applicant Income | $111,857 |
| Highest Applicant Income | $3,084,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 280 | $ 45,511,000 | $ 162,000 | $ 94,000 |
| Johnson County Kansas | 202 | $ 45,869,000 | $ 227,000 | $ 88,000 |
| Manatee County Florida | 173 | $ 32,981,000 | $ 190,000 | $ 96,000 |
| Crawford County Kansas | 149 | $ 11,818,000 | $ 79,000 | $ 45,000 |
| Buchanan County Missouri | 140 | $ 14,262,000 | $ 101,000 | $ 50,000 |
| Tulsa County Oklahoma | 99 | $ 16,315,000 | $ 164,000 | $ 95,000 |
| Wyandotte County Kansas | 82 | $ 7,048,000 | $ 85,000 | $ 66,000 |
| Sarasota County Florida | 64 | $ 19,348,000 | $ 302,000 | $ 104,000 |
| Clay County Missouri | 46 | $ 5,995,000 | $ 130,000 | $ 94,000 |
| Hillsborough County Florida | 44 | $ 7,557,000 | $ 171,000 | $ 109,000 |
| Oklahoma County Oklahoma | 40 | $ 8,615,000 | $ 215,000 | $ 200,000 |
| Charlotte County Florida | 39 | $ 6,896,000 | $ 176,000 | $ 70,000 |
| Canadian County Oklahoma | 29 | $ 1,430,000 | $ 49,000 | $ 63,000 |
| Garfield County Oklahoma | 24 | $ 8,597,000 | $ 358,000 | $ 82,000 |
| Platte County Missouri | 22 | $ 9,224,000 | $ 419,000 | $ 102,000 |
| Andrew County Missouri | 20 | $ 2,480,000 | $ 124,000 | $ 74,000 |
| Cass County Missouri | 15 | $ 3,112,000 | $ 207,000 | $ 110,000 |
| Kingfisher County Oklahoma | 12 | $ 948,000 | $ 79,000 | $ 80,000 |
| Cherokee County Kansas | 8 | $ 347,000 | $ 43,000 | $ 47,000 |
| Osage County Oklahoma | 7 | $ 274,000 | $ 39,000 | $ 35,000 |
| Pinellas County Florida | 6 | $ 4,459,000 | $ 743,000 | $ 28,000 |
| Rogers County Oklahoma | 6 | $ 577,000 | $ 96,000 | $ 40,000 |
| Leavenworth County Kansas | 5 | $ 1,053,000 | $ 210,000 | $ 121,000 |
| Wagoner County Oklahoma | 5 | $ 552,000 | $ 110,000 | $ 62,000 |
| Marion County Florida | 4 | $ 343,000 | $ 85,000 | $ 20,000 |
| Clinton County Missouri | 4 | $ 539,000 | $ 134,000 | $ 43,000 |
| Holt County Missouri | 4 | $ 443,000 | $ 110,000 | $ 52,000 |
| Maricopa County Arizona | 3 | $ 1,460,000 | $ 486,000 | $ 343,000 |
| Lee County Florida | 3 | $ 500,000 | $ 166,000 | $ 95,000 |
| Orange County Florida | 3 | $ 209,000 | $ 69,000 | $ 51,000 |
| Doniphan County Kansas | 3 | $ 406,000 | $ 135,000 | $ 47,000 |
| Marshall County Kansas | 3 | $ 386,000 | $ 128,000 | $ 83,000 |
| Miami County Kansas | 3 | $ 682,000 | $ 227,000 | $ 77,000 |
| Nemaha County Kansas | 3 | $ 345,000 | $ 115,000 | $ 58,000 |
| Johnson County Missouri | 3 | $ 604,000 | $ 201,000 | $ 56,000 |
| Cleveland County Oklahoma | 3 | $ 144,000 | $ 48,000 | $ 76,000 |
| Creek County Oklahoma | 3 | $ 135,000 | $ 45,000 | $ 86,000 |
| Logan County Oklahoma | 3 | $ 200,000 | $ 66,000 | $ 20,000 |
| Miami-Dade County Florida | 2 | $ 559,000 | $ 279,000 | $ 75,000 |
| Polk County Florida | 2 | $ 366,000 | $ 183,000 | $ 112,000 |
| Volusia County Florida | 2 | $ 277,000 | $ 138,000 | $ 46,000 |
| Barber County Kansas | 2 | $ 29,000 | $ 14,000 | $ 33,000 |
| Douglas County Kansas | 2 | $ 202,000 | $ 101,000 | $ 49,000 |
| Kearny County Kansas | 2 | $ 331,000 | $ 165,000 | $ 53,000 |
| Linn County Kansas | 2 | $ 221,000 | $ 110,000 | $ 22,000 |
| Neosho County Kansas | 2 | $ 156,000 | $ 78,000 | $ 44,000 |
| Greene County Missouri | 2 | $ 340,000 | $ 170,000 | $ 522,000 |
| St. Louis County Missouri | 2 | $ 317,000 | $ 158,000 | $ 58,000 |
| Caddo County Oklahoma | 2 | $ 210,000 | $ 105,000 | $ 61,000 |
| Delaware County Oklahoma | 2 | $ 466,000 | $ 233,000 | $ 37,000 |
| Okmulgee County Oklahoma | 2 | $ 73,000 | $ 36,000 | $ 56,000 |
| Washington County Arkansas | 1 | $ 173,000 | $ 173,000 | $ 55,000 |
| Santa Barbara County California | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Ventura County California | 1 | $ 7,000 | $ 7,000 | $ 68,000 |
| Brevard County Florida | 1 | $ 116,000 | $ 116,000 | $ 91,000 |
| Collier County Florida | 1 | $ 446,000 | $ 446,000 | $ 337,000 |
| DeSoto County Florida | 1 | $ 124,000 | $ 124,000 | $ 38,000 |
| Hardee County Florida | 1 | $ 223,000 | $ 223,000 | $ 95,000 |
| Hernando County Florida | 1 | $ 129,000 | $ 129,000 | $ 34,000 |
| Lake County Florida | 1 | $ 78,000 | $ 78,000 | $ 49,000 |
| Monroe County Florida | 1 | $ 280,000 | $ 280,000 | $ 115,000 |
| Palm Beach County Florida | 1 | $ 1,496,000 | $ 1,496,000 | $ 520,000 |
| Pasco County Florida | 1 | $ 30,000 | $ 30,000 | $ 0 |
| St. Johns County Florida | 1 | $ 180,000 | $ 180,000 | $ 25,000 |
| St. Lucie County Florida | 1 | $ 160,000 | $ 160,000 | $ 85,000 |
| Sumter County Florida | 1 | $ 49,000 | $ 49,000 | $ 20,000 |
| Floyd County Georgia | 1 | $ 440,000 | $ 440,000 | $ 233,000 |
| Hawaii County Hawaii | 1 | $ 210,000 | $ 210,000 | $ 96,000 |
| Ada County Idaho | 1 | $ 144,000 | $ 144,000 | $ 0 |
| McHenry County Illinois | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Will County Illinois | 1 | $ 234,000 | $ 234,000 | $ 175,000 |
| Black Hawk County Iowa | 1 | $ 126,000 | $ 126,000 | $ 355,000 |
| Jackson County Kansas | 1 | $ 104,000 | $ 104,000 | $ 54,000 |
| Labette County Kansas | 1 | $ 43,000 | $ 43,000 | $ 49,000 |
| Osage County Kansas | 1 | $ 70,000 | $ 70,000 | $ 83,000 |
| Pottawatomie County Kansas | 1 | $ 96,000 | $ 96,000 | $ 182,000 |
| Shawnee County Kansas | 1 | $ 14,000 | $ 14,000 | $ 14,000 |
| Washington County Kansas | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Barton County Missouri | 1 | $ 56,000 | $ 56,000 | $ 55,000 |
| Bates County Missouri | 1 | $ 77,000 | $ 77,000 | $ 38,000 |
| Camden County Missouri | 1 | $ 69,000 | $ 69,000 | $ 53,000 |
| Daviess County Missouri | 1 | $ 125,000 | $ 125,000 | $ 118,000 |
| Franklin County Missouri | 1 | $ 123,000 | $ 123,000 | $ 56,000 |
| Gentry County Missouri | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Jasper County Missouri | 1 | $ 71,000 | $ 71,000 | $ 48,000 |
| Pettis County Missouri | 1 | $ 20,000 | $ 20,000 | $ 29,000 |
| Ray County Missouri | 1 | $ 122,000 | $ 122,000 | $ 90,000 |
| Red Willow County Nebraska | 1 | $ 59,000 | $ 59,000 | $ 27,000 |
| Richardson County Nebraska | 1 | $ 86,000 | $ 86,000 | $ 78,000 |
| Transylvania County North Carolina | 1 | $ 256,000 | $ 256,000 | $ 112,000 |
| Delaware County Ohio | 1 | $ 170,000 | $ 170,000 | $ 108,000 |
| Alfalfa County Oklahoma | 1 | $ 19,000 | $ 19,000 | $ 25,000 |
| Blaine County Oklahoma | 1 | $ 250,000 | $ 250,000 | $ 92,000 |
| Major County Oklahoma | 1 | $ 13,000 | $ 13,000 | $ 45,000 |
| Mayes County Oklahoma | 1 | $ 50,000 | $ 50,000 | $ 212,000 |
| Muskogee County Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Ottawa County Oklahoma | 1 | $ 141,000 | $ 141,000 | $ 78,000 |
| Payne County Oklahoma | 1 | $ 237,000 | $ 237,000 | $ 135,000 |
| Washington County Oklahoma | 1 | $ 40,000 | $ 40,000 | $ 62,000 |
| Summit County Utah | 1 | $ 648,000 | $ 648,000 | $ 374,000 |
Mortgage Loan Application Detail Totals for Gold Bank in 2005
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 | 877 | $145,265,000 | $248,500 | $6,640,000 | $135,000 | $1,577,000 |
| Refinancing | 654 | $127,534,000 | $338,111 | $7,000,000 | $108,666 | $3,084,000 |
| Home Improvement | 132 | $5,262,000 | $36,800 | $453,000 | $52,800 | $326,000 |
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 | 1,124 | $176,965,000 | $206,928 | $7,000,000 | $146,714 | $3,084,000 |
| Not applicable | 278 | $68,568,000 | $459,857 | $6,640,000 | $0 | $97,000 |
| Hispanic | 90 | $9,625,000 | $157,166 | $805,000 | $110,833 | $602,000 |
| Not Provided | 81 | $12,776,000 | $179,666 | $765,000 | $91,666 | $746,000 |
| Black or African American | 64 | $5,445,000 | $68,400 | $480,000 | $48,800 | $270,000 |
| Asian | 14 | $2,829,000 | $370,750 | $1,114,000 | $87,000 | $197,000 |
| American Indian or Alaskan Native | 9 | $1,304,000 | $205,000 | $386,000 | $96,666 | $602,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $549,000 | $183,000 | $367,000 | $98,000 | $240,000 |
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) | 1,581 | $270,669,000 | $265,823 | $7,000,000 | $133,235 | $3,084,000 |
| FHA-insured (Federal Housing Administration) | 68 | $5,536,000 | $87,400 | $198,000 | $43,600 | $125,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,856,000 | $129,400 | $242,000 | $39,400 | $81,000 |
| 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 | 1,230 | $205,408,000 | $347,071 | $7,000,000 | $142,571 | $3,084,000 |
| Application Denied By Financial Institution | 135 | $14,314,000 | $81,000 | $1,114,000 | $58,600 | $463,000 |
| Application Withdrawn By Applicant | 113 | $22,362,000 | $188,750 | $2,048,000 | $92,250 | $660,000 |
| File Closed For Incompleteness | 87 | $18,947,000 | $187,833 | $1,875,000 | $107,666 | $1,908,000 |
| Application Approved But Not Accepted | 74 | $13,851,000 | $238,000 | $2,920,000 | $93,250 | $350,000 |
| Preapproval Approved but not Accepted | 17 | $2,541,000 | $149,000 | $580,000 | $45,000 | $174,000 |
| Preapproval Denied by Financial Institution | 7 | $638,000 | $91,000 | $220,000 | $55,000 | $119,000 |
| Loan Purchased By The 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 Gold Bank's 2005 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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