Kaw Valley State Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Kaw Valley State Bank & Trust of Wamego, KS reported 239 mortgage applications totaling $25.3 million, down 21% from 2012. The average application was for $105,686, and applicants reported an average income of $60,631. 80% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Manhattan, KS (135), Topeka, KS (51) and Kansas City, MO-KS (5) (applications in parentheses).
| Mortgage Company & Address | Kaw Valley State Bank & Trust 1015 Kaw Valley Park Circle Wamego, KS 66547 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 239 |
| Total Mortgage Loan Application Amount | $25,259,000 |
| Average Mortgage Loan Application Amount | $105,686 |
| Highest Mortgage Loan Application Amount | $839,000 |
| Average Applicant Income | $60,631 |
| Highest Applicant Income | $195,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Kaw Valley State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Pottawatomie, Kansas | 111 | $ 12,263,000 | $ 110,477 | $ 58,000 |
| Wabaunsee, Kansas | 27 | $ 2,798,000 | $ 103,629 | $ 78,000 |
| Riley, Kansas | 21 | $ 1,602,000 | $ 76,285 | $ 43,000 |
| Shawnee, Kansas | 15 | $ 2,139,000 | $ 142,600 | $ 61,000 |
| Washington, Kansas | 11 | $ 588,000 | $ 53,454 | $ 46,000 |
| Cloud, Kansas | 10 | $ 1,124,000 | $ 112,400 | $ 73,000 |
| Marshall, Kansas | 7 | $ 619,000 | $ 88,428 | $ 74,000 |
| Clay, Kansas | 5 | $ 226,000 | $ 45,200 | $ 59,000 |
| Johnson, Kansas | 5 | $ 836,000 | $ 167,200 | $ 87,000 |
| Jackson, Kansas | 4 | $ 256,000 | $ 64,000 | $ 65,000 |
| Osage, Kansas | 4 | $ 510,000 | $ 127,500 | $ 61,000 |
| Sedgwick, Kansas | 4 | $ 277,000 | $ 69,250 | $ 43,000 |
| Coffey, Kansas | 3 | $ 241,000 | $ 80,333 | $ 50,000 |
| Geary, Kansas | 3 | $ 768,000 | $ 256,000 | $ 70,000 |
| Saline, Kansas | 2 | $ 157,000 | $ 78,500 | $ 70,000 |
| Bourbon, Kansas | 1 | $ 120,000 | $ 120,000 | $ 100,000 |
| Dickinson, Kansas | 1 | $ 97,000 | $ 97,000 | $ 27,000 |
| Douglas, Kansas | 1 | $ 166,000 | $ 166,000 | $ 78,000 |
| Jefferson, Kansas | 1 | $ 132,000 | $ 132,000 | $ 55,000 |
| McPherson, Kansas | 1 | $ 176,000 | $ 176,000 | $ 114,000 |
| Mitchell, Kansas | 1 | $ 97,000 | $ 97,000 | $ 73,000 |
| Ottawa, Kansas | 1 | $ 67,000 | $ 67,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Kaw Valley State Bank & Trust 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 115 | $11,291,000 | $98,000 | $260,000 | $57,000 | $158,000 |
| Refinancing | 111 | $13,652,000 | $122,000 | $839,000 | $64,000 | $195,000 |
| Home Improvement | 13 | $316,000 | $24,000 | $71,000 | $64,000 | $157,000 |
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 | 216 | $23,065,000 | $106,000 | $839,000 | $64,000 | $195,000 |
| Not applicable | 12 | $1,149,000 | $95,000 | $252,000 | $0 | $0 |
| Hispanic | 8 | $712,000 | $89,000 | $166,000 | $51,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $152,000 | $152,000 | $152,000 | $63,000 | $63,000 |
| American Indian or Alaskan Native | 1 | $161,000 | $161,000 | $161,000 | $50,000 | $50,000 |
| Black or African American | 1 | $20,000 | $20,000 | $20,000 | $72,000 | $72,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 197 | $20,201,000 | $102,000 | $839,000 | $62,000 | $195,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,291,000 | $109,000 | $194,000 | $45,000 | $63,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,812,000 | $120,000 | $260,000 | $53,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 6 | $955,000 | $159,000 | $274,000 | $99,000 | $148,000 |
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 | 192 | $19,335,000 | $100,000 | $839,000 | $60,000 | $195,000 |
| Application Withdrawn By Applicant | 27 | $4,640,000 | $171,000 | $380,000 | $76,000 | $158,000 |
| Application Denied By Financial Institution | 16 | $1,195,000 | $74,000 | $140,000 | $45,000 | $100,000 |
| Application Approved But Not Accepted | 4 | $89,000 | $22,000 | $36,000 | $42,000 | $51,000 |
| File Closed For Incompleteness | 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 Kaw Valley State Bank & Trust'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 Kaw Valley State Bank & Trust'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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