Kaw Valley State Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Kaw Valley State Bank & Trust of Wamego, KS reported 118 mortgage applications totaling $21.4 million, down 7% from 2023. The average application was for $180,932, and applicants reported an average income of $110,906. 93% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Manhattan, KS (64), Topeka, KS (22) and Lawrence, KS (2) (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 | 118 |
| Total Mortgage Loan Application Amount | $21,350,000 |
| Average Mortgage Loan Application Amount | $180,932 |
| Highest Mortgage Loan Application Amount | $1,335,000 |
| Average Applicant Income | $110,906 |
| Highest Applicant Income | $890,000 |
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records Kaw Valley State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 49 | $ 9,715,000 | $ 198,265 | $ 129,000 |
| Cloud, Kansas | 18 | $ 1,680,000 | $ 93,333 | $ 75,000 |
| Riley, Kansas | 12 | $ 2,320,000 | $ 193,333 | $ 100,000 |
| Shawnee, Kansas | 10 | $ 3,190,000 | $ 319,000 | $ 84,000 |
| Wabaunsee, Kansas | 7 | $ 1,315,000 | $ 187,857 | $ 101,000 |
| Clay, Kansas | 5 | $ 455,000 | $ 91,000 | $ 84,000 |
| Geary, Kansas | 3 | $ 505,000 | $ 168,333 | $ 98,000 |
| Jackson, Kansas | 3 | $ 655,000 | $ 218,333 | $ 119,000 |
| Washington, Kansas | 3 | $ 635,000 | $ 211,666 | $ 99,000 |
| Douglas, Kansas | 2 | $ 160,000 | $ 80,000 | $ 121,000 |
| Jefferson, Kansas | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Marshall, Kansas | 2 | $ 140,000 | $ 70,000 | $ 90,000 |
| Harper, Kansas | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Scott, Kansas | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Kaw Valley State Bank & Trust in 2024
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 | 70 | $14,140,000 | $202,000 | $1,335,000 | $125,000 | $890,000 |
| Refinancing | 35 | $6,205,000 | $177,000 | $1,175,000 | $92,000 | $255,000 |
| Other Purpose | 11 | $885,000 | $80,000 | $375,000 | $95,000 | $188,000 |
| Home Improvement | 2 | $120,000 | $60,000 | $95,000 | $36,000 | $50,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 90 | $15,520,000 | $172,000 | $1,335,000 | $101,000 | $890,000 |
| Not applicable | 20 | $4,670,000 | $233,000 | $1,175,000 | $0 | $0 |
| Hispanic | 6 | $770,000 | $128,000 | $295,000 | $171,000 | $695,000 |
| Not Provided | 2 | $390,000 | $195,000 | $215,000 | $302,000 | $490,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 118 | $21,350,000 | $180,000 | $1,335,000 | $110,000 | $890,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 110 | $20,570,000 | $187,000 | $1,335,000 | $113,000 | $890,000 |
| Application Denied By Financial Institution | 4 | $410,000 | $102,000 | $345,000 | $50,000 | $87,000 |
| Application Withdrawn By Applicant | 3 | $365,000 | $121,000 | $205,000 | $128,000 | $245,000 |
| Application Approved But Not Accepted | 1 | $5,000 | $5,000 | $5,000 | $27,000 | $27,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 118 | $21,350,000 | $180,000 | $1,335,000 | $110,000 | $890,000 |
| 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 |
| Not applicable | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kaw Valley State Bank & Trust's 2024 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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