Kaw Valley State Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Kaw Valley State Bank & Trust of Wamego, KS reported 187 mortgage applications totaling $22.5 million, up 7% from 2014. The average application was for $120,326, and applicants reported an average income of $61,711. 82% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Manhattan, KS (102), Topeka, KS (47) and Kansas City, MO-KS (4) (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 | 187 |
| Total Mortgage Loan Application Amount | $22,501,000 |
| Average Mortgage Loan Application Amount | $120,326 |
| Highest Mortgage Loan Application Amount | $783,000 |
| Average Applicant Income | $61,711 |
| Highest Applicant Income | $401,000 |
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records Kaw Valley State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 90 | $ 11,138,000 | $ 123,755 | $ 63,000 |
| Wabaunsee, Kansas | 22 | $ 2,259,000 | $ 102,681 | $ 76,000 |
| Shawnee, Kansas | 21 | $ 3,062,000 | $ 145,809 | $ 39,000 |
| Riley, Kansas | 12 | $ 1,174,000 | $ 97,833 | $ 43,000 |
| Cloud, Kansas | 9 | $ 626,000 | $ 69,555 | $ 39,000 |
| Clay, Kansas | 6 | $ 1,000,000 | $ 166,666 | $ 75,000 |
| Washington, Kansas | 5 | $ 743,000 | $ 148,600 | $ 149,000 |
| Coffey, Kansas | 4 | $ 450,000 | $ 112,500 | $ 43,000 |
| Jackson, Kansas | 4 | $ 493,000 | $ 123,250 | $ 49,000 |
| Franklin, Kansas | 2 | $ 188,000 | $ 94,000 | $ 50,000 |
| Johnson, Kansas | 2 | $ 329,000 | $ 164,500 | $ 97,000 |
| Marshall, Kansas | 2 | $ 148,000 | $ 74,000 | $ 28,000 |
| Saline, Kansas | 2 | $ 275,000 | $ 137,500 | $ 67,000 |
| Wyandotte, Kansas | 2 | $ 113,000 | $ 56,500 | $ 20,000 |
| Geary, Kansas | 1 | $ 200,000 | $ 200,000 | $ 33,000 |
| Mitchell, Kansas | 1 | $ 29,000 | $ 29,000 | $ 42,000 |
| Montgomery, Kansas | 1 | $ 189,000 | $ 189,000 | $ 297,000 |
| Ottawa, Kansas | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Kaw Valley State Bank & Trust in 2015
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 | 97 | $11,015,000 | $113,000 | $447,000 | $50,000 | $146,000 |
| Refinancing | 79 | $10,810,000 | $136,000 | $783,000 | $78,000 | $401,000 |
| Home Improvement | 11 | $676,000 | $61,000 | $127,000 | $48,000 | $88,000 |
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 | 159 | $18,352,000 | $115,000 | $439,000 | $71,000 | $401,000 |
| Not applicable | 19 | $3,463,000 | $182,000 | $783,000 | $0 | $0 |
| Hispanic | 6 | $483,000 | $80,000 | $194,000 | $27,000 | $64,000 |
| American Indian or Alaskan Native | 2 | $131,000 | $65,000 | $81,000 | $36,000 | $55,000 |
| Not Provided | 1 | $72,000 | $72,000 | $72,000 | $52,000 | $52,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 165 | $19,765,000 | $119,000 | $783,000 | $64,000 | $401,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,412,000 | $117,000 | $224,000 | $48,000 | $67,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,324,000 | $132,000 | $194,000 | $38,000 | $86,000 |
| VA-guaranteed (Veterans 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 | 154 | $19,099,000 | $124,000 | $783,000 | $62,000 | $401,000 |
| Application Denied By Financial Institution | 20 | $2,097,000 | $104,000 | $224,000 | $59,000 | $297,000 |
| Application Withdrawn By Applicant | 10 | $1,085,000 | $108,000 | $156,000 | $62,000 | $102,000 |
| Application Approved But Not Accepted | 3 | $220,000 | $73,000 | $128,000 | $64,000 | $67,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $9,000 | $9,000 | $9,000 | $42,000 | $42,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kaw Valley State Bank & Trust's 2015 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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