Landmark National Bank Mortgage Lending & HMDA Data, 2012

In 2012, Landmark National Bank of Manhattan, KS reported 2,131 mortgage applications totaling $297.2 million, up 34% from 2011. The average application was for $139,449, and applicants reported an average income of $81,039. 79% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Topeka, KS (735), Manhattan, KS (399) and Lawrence, KS (227) (applications in parentheses).

Mortgage Company & Address Landmark National Bank
701 Poyntz Ave
Manhattan, KS 66502
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 2,131
Total Mortgage Loan Application Amount $297,166,000
Average Mortgage Loan Application Amount $139,449
Highest Mortgage Loan Application Amount $6,000,000
Average Applicant Income $81,039
Highest Applicant Income $1,300,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Landmark National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Landmark National Bank by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Shawnee, Kansas 623 $ 89,522,000 $ 143,695 $ 78,000
Riley, Kansas 291 $ 54,074,000 $ 185,821 $ 99,000
Douglas, Kansas 227 $ 41,972,000 $ 184,898 $ 102,000
Barton, Kansas 211 $ 18,681,000 $ 88,535 $ 67,000
Ford, Kansas 173 $ 17,855,000 $ 103,208 $ 64,000
Pottawatomie, Kansas 82 $ 13,913,000 $ 169,670 $ 78,000
Finney, Kansas 73 $ 9,099,000 $ 124,643 $ 74,000
Miami, Kansas 71 $ 8,697,000 $ 122,492 $ 66,000
Osage, Kansas 46 $ 4,809,000 $ 104,543 $ 93,000
Johnson, Kansas 40 $ 6,697,000 $ 167,425 $ 109,000
Geary, Kansas 26 $ 2,541,000 $ 97,730 $ 46,000
Jefferson, Kansas 25 $ 3,656,000 $ 146,240 $ 65,000
Jackson, Kansas 24 $ 2,992,000 $ 124,666 $ 62,000
Bourbon, Kansas 22 $ 1,663,000 $ 75,590 $ 105,000
Pawnee, Kansas 20 $ 1,490,000 $ 74,500 $ 57,000
Gray, Kansas 19 $ 2,225,000 $ 117,105 $ 109,000
Wabaunsee, Kansas 17 $ 2,337,000 $ 137,470 $ 78,000
Franklin, Kansas 15 $ 948,000 $ 63,200 $ 59,000
Stafford, Kansas 9 $ 721,000 $ 80,111 $ 69,000
Linn, Kansas 8 $ 620,000 $ 77,500 $ 62,000
Sedgwick, Kansas 8 $ 888,000 $ 111,000 $ 104,000
Pratt, Kansas 7 $ 742,000 $ 106,000 $ 58,000
Clark, Kansas 6 $ 493,000 $ 82,166 $ 102,000
Clay, Kansas 5 $ 516,000 $ 103,200 $ 69,000
Leavenworth, Kansas 5 $ 1,218,000 $ 243,600 $ 88,000
Jackson, Missouri 5 $ 819,000 $ 163,800 $ 94,000
Rush, Kansas 4 $ 256,000 $ 64,000 $ 54,000
Butler, Kansas 3 $ 445,000 $ 148,333 $ 77,000
Dickinson, Kansas 3 $ 171,000 $ 57,000 $ 20,000
Lyon, Kansas 3 $ 56,000 $ 18,666 $ 39,000
Nemaha, Kansas 3 $ 404,000 $ 134,666 $ 71,000
Rice, Kansas 3 $ 91,000 $ 30,333 $ 50,000
Russell, Kansas 3 $ 218,000 $ 72,666 $ 69,000
Wyandotte, Kansas 3 $ 521,000 $ 173,666 $ 35,000
Clay, Missouri 3 $ 577,000 $ 192,333 $ 101,000
Edwards, Kansas 2 $ 112,000 $ 56,000 $ 64,000
Haskell, Kansas 2 $ 179,000 $ 89,500 $ 63,000
Hodgeman, Kansas 2 $ 114,000 $ 57,000 $ 64,000
Marshall, Kansas 2 $ 379,000 $ 189,500 $ 81,000
Morris, Kansas 2 $ 347,000 $ 173,500 $ 309,000
Reno, Kansas 2 $ 199,000 $ 99,500 $ 97,000
Saline, Kansas 2 $ 101,000 $ 50,500 $ 81,000
Sumner, Kansas 2 $ 223,000 $ 111,500 $ 49,000
Rio Grande, Colorado 1 $ 245,000 $ 245,000 $ 417,000
Maui, Hawaii 1 $ 466,000 $ 466,000 $ 0
Anderson, Kansas 1 $ 78,000 $ 78,000 $ 29,000
Atchison, Kansas 1 $ 135,000 $ 135,000 $ 90,000
Coffey, Kansas 1 $ 230,000 $ 230,000 $ 83,000
Ellsworth, Kansas 1 $ 100,000 $ 100,000 $ 80,000
Harvey, Kansas 1 $ 103,000 $ 103,000 $ 74,000
Kearny, Kansas 1 $ 40,000 $ 40,000 $ 100,000
McPherson, Kansas 1 $ 229,000 $ 229,000 $ 94,000
Meade, Kansas 1 $ 32,000 $ 32,000 $ 41,000
Neosho, Kansas 1 $ 64,000 $ 64,000 $ 33,000
Norton, Kansas 1 $ 114,000 $ 114,000 $ 49,000
Buchanan, Missouri 1 $ 248,000 $ 248,000 $ 102,000
Cass, Missouri 1 $ 246,000 $ 246,000 $ 109,000
Jasper, Missouri 1 $ 97,000 $ 97,000 $ 39,000
Polk, Missouri 1 $ 136,000 $ 136,000 $ 193,000
Stone, Missouri 1 $ 89,000 $ 89,000 $ 145,000
Taney, Missouri 1 $ 191,000 $ 191,000 $ 137,000
Vernon, Missouri 1 $ 233,000 $ 233,000 $ 95,000
Payne, Oklahoma 1 $ 226,000 $ 226,000 $ 244,000
Bell, Texas 1 $ 7,000 $ 7,000 $ 74,000
Natrona, Wyoming 1 $ 140,000 $ 140,000 $ 0

Mortgage Loan Application Detail Totals for Landmark National Bank 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 984 $152,006,000 $154,000 $6,000,000 $91,000 $1,300,000
Home Purchase 958 $125,470,000 $130,000 $417,000 $72,000 $602,000
Home Improvement 189 $19,690,000 $104,000 $1,050,000 $75,000 $403,000

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 1,918 $260,031,000 $135,000 $1,400,000 $84,000 $897,000
Hispanic 110 $10,104,000 $91,000 $417,000 $63,000 $1,300,000
Not applicable 40 $18,283,000 $457,000 $6,000,000 $0 $0
Asian 29 $5,017,000 $173,000 $383,000 $96,000 $243,000
Black or African American 17 $2,536,000 $149,000 $281,000 $68,000 $150,000
Not Provided 10 $164,000 $16,000 $90,000 $31,000 $74,000
American Indian or Alaskan Native 5 $711,000 $142,000 $231,000 $79,000 $113,000
Native Hawaiian or Other Pacific Islander 2 $320,000 $160,000 $298,000 $117,000 $127,000

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) 1,603 $229,251,000 $143,000 $6,000,000 $87,000 $1,300,000
FHA-insured (Federal Housing Administration) 332 $39,582,000 $119,000 $268,000 $64,000 $415,000
VA-guaranteed (Veterans Administration) 119 $21,706,000 $182,000 $398,000 $70,000 $202,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 77 $6,627,000 $86,000 $271,000 $39,000 $82,000

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 1,693 $238,069,000 $140,000 $1,969,000 $84,000 $1,300,000
Application Denied By Financial Institution 210 $28,156,000 $134,000 $6,000,000 $58,000 $634,000
Application Withdrawn By Applicant 131 $18,026,000 $137,000 $361,000 $80,000 $504,000
Application Approved But Not Accepted 94 $12,521,000 $133,000 $407,000 $86,000 $622,000
File Closed For Incompleteness 3 $394,000 $131,000 $266,000 $80,000 $161,000
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 93 $8,782,000 $94,000 $323,000 $57,000 $219,000
Debt-To-Income Ratio 51 $5,672,000 $111,000 $500,000 $57,000 $634,000
Collateral 39 $5,503,000 $141,000 $1,400,000 $69,000 $257,000
Other 15 $7,360,000 $490,000 $6,000,000 $56,000 $112,000
Employment History 6 $535,000 $89,000 $295,000 $38,000 $93,000
Insufficient Cash (Downpayment, Closing Cost) 5 $268,000 $53,000 $120,000 $36,000 $52,000
Credit Application Incomplete 1 $36,000 $36,000 $36,000 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Landmark National Bank'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 Landmark National 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.
For a list of all lenders in Kansas, download the full spreadsheet with aggregated HMDA statistics today.

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