Kaw Valley State Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Kaw Valley State Bank & Trust of Wamego, KS reported 302 mortgage applications totaling $38.4 million, up 14% from 2011. The average application was for $127,198, and applicants reported an average income of $107,811. 85% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Manhattan, KS (181), Topeka, KS (66) and Kansas City, MO-KS (6) (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 | 302 |
| Total Mortgage Loan Application Amount | $38,414,000 |
| Average Mortgage Loan Application Amount | $127,198 |
| Highest Mortgage Loan Application Amount | $692,000 |
| Average Applicant Income | $107,811 |
| Highest Applicant Income | $8,180,000 |
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records Kaw Valley State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Manhattan, KS | 181 | $ 24,932,000 | $ 137,745 | $ 103,000 |
| Topeka, KS | 66 | $ 7,379,000 | $ 111,803 | $ 157,000 |
| Kansas City, MO-KS | 6 | $ 1,306,000 | $ 217,666 | $ 221,000 |
| Lawrence, KS | 1 | $ 276,000 | $ 276,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Kaw Valley State Bank & Trust in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 155 | $22,100,000 | $142,000 | $692,000 | $165,000 | $8,180,000 |
| Home Purchase | 138 | $15,866,000 | $114,000 | $650,000 | $48,000 | $162,000 |
| Home Improvement | 9 | $448,000 | $49,000 | $140,000 | $40,000 | $89,000 |
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 | 280 | $35,380,000 | $126,000 | $692,000 | $116,000 | $8,180,000 |
| Not applicable | 20 | $2,895,000 | $144,000 | $650,000 | $1,000 | $28,000 |
| American Indian or Alaskan Native | 1 | $12,000 | $12,000 | $12,000 | $40,000 | $40,000 |
| Hispanic | 1 | $127,000 | $127,000 | $127,000 | $38,000 | $38,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 226 | $28,879,000 | $127,000 | $692,000 | $129,000 | $8,180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 56 | $6,811,000 | $121,000 | $276,000 | $43,000 | $80,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,327,000 | $136,000 | $231,000 | $54,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 3 | $397,000 | $132,000 | $174,000 | $51,000 | $65,000 |
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 | 258 | $32,715,000 | $126,000 | $692,000 | $117,000 | $8,180,000 |
| Application Withdrawn By Applicant | 23 | $2,993,000 | $130,000 | $349,000 | $65,000 | $120,000 |
| Application Denied By Financial Institution | 19 | $2,508,000 | $132,000 | $252,000 | $43,000 | $89,000 |
| Application Approved But Not Accepted | 2 | $198,000 | $99,000 | $141,000 | $45,000 | $60,000 |
| 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 2012 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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