Midamerican Bank & Trust Co Mortgage Lending & HMDA Data, 2003
In 2003, Midamerican Bank & Trust Co of Leavenworth, KS reported 97 mortgage applications totaling $6.4 million. The average application was for $65,865, and applicants reported an average income of $51,938. 87% of its applications resulted in an originated loan and 10% were denied. Its largest market was Kansas City, MO-KS (2).
| Mortgage Company & Address | Midamerican Bank & Trust Co 401 Delaware Street Leavenworth, KS 66048 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 97 |
| Total Mortgage Loan Application Amount | $6,389,000 |
| Average Mortgage Loan Application Amount | $65,865 |
| Highest Mortgage Loan Application Amount | $280,000 |
| Average Applicant Income | $51,938 |
| Highest Applicant Income | $405,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Midamerican Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Midamerican Bank & Trust Co in 2003
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 (one-to-four family) | 48 | $3,938,000 | $128,500 | $280,000 | $110,500 | $405,000 |
| Home Improvement (one-to-four family) | 27 | $751,000 | $27,000 | $85,000 | $39,000 | $268,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 22 | $1,700,000 | $77,000 | $200,000 | $46,000 | $176,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 87 | $5,737,000 | $121,500 | $280,000 | $106,500 | $405,000 |
| Black | 7 | $408,000 | $58,000 | $102,000 | $47,000 | $88,000 |
| Not applicable | 2 | $214,000 | $107,000 | $114,000 | $77,000 | $155,000 |
| Asian or Pacific Islander | 1 | $30,000 | $30,000 | $30,000 | $10,000 | $10,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 97 | $6,389,000 | $122,000 | $280,000 | $107,000 | $405,000 |
| 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 | 84 | $5,631,000 | $99,500 | $250,000 | $141,000 | $405,000 |
| Application Denied By Financial Institution | 10 | $358,000 | $35,000 | $135,000 | $44,000 | $88,000 |
| Application Withdrawn By Applicant | 3 | $400,000 | $170,000 | $280,000 | $37,000 | $42,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 5 | $240,000 | $48,000 | $135,000 | $39,000 | $62,000 |
| Credit History | 3 | $64,000 | $21,000 | $47,000 | $48,000 | $60,000 |
| Debt-To-Income Ratio | 1 | $24,000 | $24,000 | $24,000 | $88,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $30,000 | $30,000 | $30,000 | $10,000 | $10,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midamerican Bank & Trust Co's 2003 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 Midamerican Bank & Trust Co'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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