Kingsley State Bank Mortgage Lending & HMDA Data, 2005
In 2005, Kingsley State Bank of Sergeant Bluff, IA reported 126 mortgage applications totaling $12.8 million. The average application was for $101,690, and applicants reported an average income of $100,746. 78% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Sioux City, IA-NE-SD (32), Phoenix-Mesa-Scottsdale, AZ (1) and Waterloo-Cedar Falls, IA (1) (applications in parentheses).
| Mortgage Company & Address | Kingsley State Bank 705 1st St Po Box 66 Sergeant Bluff, IA 51054 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 126 |
| Total Mortgage Loan Application Amount | $12,813,000 |
| Average Mortgage Loan Application Amount | $101,690 |
| Highest Mortgage Loan Application Amount | $450,000 |
| Average Applicant Income | $100,746 |
| Highest Applicant Income | $1,445,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Kingsley State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Kingsley State Bank in 2005
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 | 53 | $5,759,000 | $73,666 | $450,000 | $74,000 | $1,445,000 |
| Refinancing | 50 | $5,167,000 | $101,500 | $360,000 | $50,000 | $401,000 |
| Home Improvement | 23 | $1,887,000 | $82,000 | $312,000 | $64,000 | $208,000 |
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 | 123 | $12,615,000 | $78,500 | $450,000 | $52,000 | $1,445,000 |
| Asian | 1 | $32,000 | $32,000 | $32,000 | $52,000 | $52,000 |
| Hispanic | 1 | $114,000 | $114,000 | $114,000 | $77,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $52,000 | $52,000 | $52,000 | $40,000 | $40,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 126 | $12,813,000 | $78,250 | $450,000 | $51,000 | $1,445,000 |
| 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 | 98 | $10,091,000 | $79,666 | $450,000 | $64,000 | $1,445,000 |
| Application Denied By Financial Institution | 18 | $1,654,000 | $91,000 | $200,000 | $65,000 | $153,000 |
| Application Approved But Not Accepted | 7 | $765,000 | $109,000 | $233,000 | $63,000 | $168,000 |
| Application Withdrawn By Applicant | 2 | $228,000 | $114,000 | $120,000 | $36,000 | $36,000 |
| Preapproval Approved but not Accepted | 1 | $75,000 | $75,000 | $75,000 | $41,000 | $41,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 13 | $1,189,000 | $91,000 | $180,000 | $65,000 | $100,000 |
| Debt-To-Income Ratio | 4 | $265,000 | $66,000 | $150,000 | $36,000 | $51,000 |
| Other | 1 | $200,000 | $200,000 | $200,000 | $153,000 | $153,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kingsley State Bank's 2005 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 Kingsley State Bank'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.
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