Kaw Valley State Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Kaw Valley State Bank & Trust of Wamego, KS reported 174 mortgage applications totaling $23.1 million, down 27% from 2013. The average application was for $132,862, and applicants reported an average income of $92,620. 84% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Manhattan, KS (87), Topeka, KS (53) and Wichita, 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 | 174 |
| Total Mortgage Loan Application Amount | $23,118,000 |
| Average Mortgage Loan Application Amount | $132,862 |
| Highest Mortgage Loan Application Amount | $2,523,000 |
| Average Applicant Income | $92,620 |
| Highest Applicant Income | $719,000 |
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records Kaw Valley State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 87 | $ 11,712,000 | $ 134,620 | $ 75,000 |
| Topeka, KS | 53 | $ 8,690,000 | $ 163,962 | $ 149,000 |
| Wichita, KS | 2 | $ 428,000 | $ 214,000 | $ 107,000 |
| Kansas City, MO-KS | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Lawrence, KS | 1 | $ 84,000 | $ 84,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Kaw Valley State Bank & Trust in 2014
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 | 92 | $11,884,000 | $129,000 | $800,000 | $71,000 | $719,000 |
| Refinancing | 76 | $10,896,000 | $143,000 | $2,523,000 | $125,000 | $653,000 |
| Home Improvement | 6 | $338,000 | $56,000 | $173,000 | $14,000 | $37,000 |
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 | 144 | $18,023,000 | $125,000 | $2,523,000 | $101,000 | $703,000 |
| Not applicable | 21 | $4,207,000 | $200,000 | $512,000 | $0 | $0 |
| Hispanic | 6 | $608,000 | $101,000 | $163,000 | $154,000 | $719,000 |
| American Indian or Alaskan Native | 2 | $148,000 | $74,000 | $83,000 | $331,000 | $592,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $132,000 | $132,000 | $132,000 | $47,000 | $47,000 |
| 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) | 147 | $19,927,000 | $135,000 | $2,523,000 | $100,000 | $719,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,754,000 | $109,000 | $214,000 | $54,000 | $90,000 |
| FHA-insured (Federal Housing Administration) | 7 | $958,000 | $136,000 | $183,000 | $59,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 4 | $479,000 | $119,000 | $162,000 | $56,000 | $84,000 |
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 | 147 | $20,427,000 | $138,000 | $2,523,000 | $100,000 | $719,000 |
| Application Denied By Financial Institution | 17 | $1,690,000 | $99,000 | $300,000 | $43,000 | $136,000 |
| Application Withdrawn By Applicant | 7 | $647,000 | $92,000 | $152,000 | $81,000 | $148,000 |
| Application Approved But Not Accepted | 3 | $354,000 | $118,000 | $240,000 | $48,000 | $88,000 |
| 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 2014 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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