Midamerican Bank & Trust Co Mortgage Lending & HMDA Data, 2007
In 2007, Midamerican Bank & Trust Co of Leavenworth, KS reported 93 mortgage applications totaling $8.5 million, down 9% from 2006. The average application was for $91,784, and applicants reported an average income of $64,774. 92% of its applications resulted in an originated loan and 6% were denied. Its largest market was Kansas City, MO-KS (92).
| 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 | 93 |
| Total Mortgage Loan Application Amount | $8,536,000 |
| Average Mortgage Loan Application Amount | $91,784 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $64,774 |
| Highest Applicant Income | $621,000 |
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records Midamerican Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007
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 | 33 | $4,000,000 | $121,000 | $588,000 | $64,000 | $500,000 |
| Refinancing | 32 | $3,836,000 | $119,000 | $600,000 | $68,000 | $621,000 |
| Home Improvement | 28 | $700,000 | $25,000 | $140,000 | $62,000 | $198,000 |
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 | 64 | $6,049,000 | $94,000 | $600,000 | $87,000 | $621,000 |
| Not applicable | 21 | $2,072,000 | $98,000 | $276,000 | $0 | $0 |
| Black or African American | 7 | $409,000 | $58,000 | $108,000 | $58,000 | $124,000 |
| Hispanic | 1 | $6,000 | $6,000 | $6,000 | $53,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 93 | $8,536,000 | $91,000 | $600,000 | $65,000 | $621,000 |
| 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 | 86 | $7,756,000 | $90,000 | $600,000 | $65,000 | $621,000 |
| Application Denied By Financial Institution | 6 | $635,000 | $105,000 | $250,000 | $58,000 | $153,000 |
| Application Withdrawn By Applicant | 1 | $145,000 | $145,000 | $145,000 | $71,000 | $71,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $336,000 | $112,000 | $250,000 | $28,000 | $51,000 |
| Debt-To-Income Ratio | 2 | $122,000 | $61,000 | $120,000 | $97,000 | $153,000 |
| Collateral | 1 | $177,000 | $177,000 | $177,000 | $71,000 | $71,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midamerican Bank & Trust Co's 2007 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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