National Bank of Kansas City Mortgage Lending & HMDA Data, 2004
In 2004, National Bank of Kansas City of Overland Park, KS reported 9,779 mortgage applications totaling $1.2 billion, up 71% from 2003. The average application was for $121,841, and applicants reported an average income of $85,876. 88% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Kansas City, MO-KS (517), Topeka, KS (287) and Atlanta-Sandy Springs-Marietta, GA (261) (applications in parentheses).
| Mortgage Company & Address | National Bank of Kansas City 10700 Nall Avenue Overland Park, KS 66211 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 9,779 |
| Total Mortgage Loan Application Amount | $1,191,484,000 |
| Average Mortgage Loan Application Amount | $121,841 |
| Highest Mortgage Loan Application Amount | $2,812,000 |
| Average Applicant Income | $85,876 |
| Highest Applicant Income | $3,050,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records National Bank of Kansas City filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Kansas City, MO-KS | 517 | $ 62,011,000 | $ 119,943 | $ 69,000 |
| Topeka, KS | 287 | $ 23,336,000 | $ 81,310 | $ 47,000 |
| Atlanta-Sandy Springs-Marietta, GA | 261 | $ 26,737,000 | $ 102,440 | $ 90,000 |
| Chicago-Naperville-Joliet, IL | 233 | $ 30,138,000 | $ 129,347 | $ 87,000 |
| Philadelphia, PA | 197 | $ 27,615,000 | $ 140,177 | $ 90,000 |
| Phoenix-Mesa-Scottsdale, AZ | 175 | $ 21,066,000 | $ 120,377 | $ 92,000 |
| Edison, NJ | 157 | $ 27,235,000 | $ 173,471 | $ 120,000 |
| Riverside-San Bernardino-Ontario, CA | 151 | $ 23,025,000 | $ 152,483 | $ 79,000 |
| Los Angeles-Long Beach-Glendale, CA | 134 | $ 28,124,000 | $ 209,880 | $ 136,000 |
| Baltimore-Towson, MD | 133 | $ 16,131,000 | $ 121,285 | $ 101,000 |
| Newark-Union, NJ-PA | 132 | $ 25,433,000 | $ 192,674 | $ 108,000 |
| Camden, NJ | 131 | $ 16,927,000 | $ 129,213 | $ 108,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 127 | $ 19,329,000 | $ 152,196 | $ 89,000 |
| Las Vegas-Paradise, NV | 118 | $ 19,618,000 | $ 166,254 | $ 102,000 |
| Seattle-Bellevue-Everett, WA | 109 | $ 13,395,000 | $ 122,889 | $ 87,000 |
| New York-Wayne-White Plains, NY-NJ | 99 | $ 20,371,000 | $ 205,767 | $ 192,000 |
| Charlotte-Gastonia-Concord, NC-SC | 98 | $ 9,202,000 | $ 93,897 | $ 93,000 |
| Cleveland-Elyria-Mentor, OH | 90 | $ 7,714,000 | $ 85,711 | $ 86,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 86 | $ 6,676,000 | $ 77,627 | $ 86,000 |
| Tampa-St. Petersburg-Clearwater, FL | 73 | $ 6,848,000 | $ 93,808 | $ 79,000 |
| Warren-Farmington Hills-Troy, MI | 67 | $ 6,322,000 | $ 94,358 | $ 94,000 |
| Columbus, OH | 65 | $ 6,498,000 | $ 99,969 | $ 98,000 |
| St. Louis, MO-IL | 64 | $ 5,907,000 | $ 92,296 | $ 68,000 |
| Pittsburgh, PA | 61 | $ 5,605,000 | $ 91,885 | $ 82,000 |
| Cincinnati-Middletown, OH-KY-IN | 58 | $ 6,245,000 | $ 107,672 | $ 117,000 |
| Hartford-West Hartford-East Hartford, CT | 58 | $ 7,366,000 | $ 127,000 | $ 125,000 |
| Portland-Vancouver-Beaverton, OR-WA | 58 | $ 6,926,000 | $ 119,413 | $ 78,000 |
| Raleigh-Cary, NC | 58 | $ 5,298,000 | $ 91,344 | $ 84,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 58 | $ 8,748,000 | $ 150,827 | $ 94,000 |
| Richmond, VA | 57 | $ 5,265,000 | $ 92,368 | $ 74,000 |
| San Diego-Carlsbad-San Marcos, CA | 57 | $ 11,978,000 | $ 210,140 | $ 114,000 |
| New Orleans-Metairie-Kenner, LA | 55 | $ 6,013,000 | $ 109,327 | $ 94,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 55 | $ 7,152,000 | $ 130,036 | $ 91,000 |
| Orlando, FL | 54 | $ 4,354,000 | $ 80,629 | $ 76,000 |
| Bethesda-Frederick-Gaithersburg, MD | 51 | $ 8,501,000 | $ 166,686 | $ 101,000 |
| Oakland-Fremont-Hayward, CA | 51 | $ 11,629,000 | $ 228,019 | $ 155,000 |
| Santa Ana-Anaheim-Irvine, CA | 51 | $ 12,417,000 | $ 243,470 | $ 102,000 |
| Denver-Aurora, CO | 50 | $ 5,030,000 | $ 100,600 | $ 76,000 |
| Indianapolis, IN | 49 | $ 3,059,000 | $ 62,428 | $ 70,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 45 | $ 4,990,000 | $ 110,888 | $ 81,000 |
| Jacksonville, FL | 43 | $ 4,066,000 | $ 94,558 | $ 112,000 |
| Wilmington, DE-MD-NJ | 42 | $ 6,069,000 | $ 144,500 | $ 91,000 |
| Albuquerque, NM | 41 | $ 3,143,000 | $ 76,658 | $ 82,000 |
| Bridgeport-Stamford-Norwalk, CT | 41 | $ 10,882,000 | $ 265,414 | $ 191,000 |
| Boston-Quincy, MA | 40 | $ 6,385,000 | $ 159,625 | $ 89,000 |
| Buffalo-Niagara Falls, NY | 40 | $ 3,299,000 | $ 82,475 | $ 72,000 |
| Providence-New Bedford-Fall River, RI-MA | 40 | $ 6,176,000 | $ 154,400 | $ 95,000 |
| Tacoma, WA | 39 | $ 3,971,000 | $ 101,820 | $ 120,000 |
| Worcester, MA | 39 | $ 5,386,000 | $ 138,102 | $ 97,000 |
| Detroit-Livonia-Dearborn, MI | 38 | $ 3,630,000 | $ 95,526 | $ 81,000 |
| Rochester, NY | 38 | $ 2,559,000 | $ 67,342 | $ 77,000 |
| Albany-Schenectady-Troy, NY | 37 | $ 2,664,000 | $ 72,000 | $ 62,000 |
| Milwaukee-Waukesha-West Allis, WI | 37 | $ 3,703,000 | $ 100,081 | $ 81,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 35 | $ 3,774,000 | $ 107,828 | $ 92,000 |
| Charleston-North Charleston, SC | 32 | $ 3,554,000 | $ 111,062 | $ 75,000 |
| Miami-Miami Beach-Kendall, FL | 32 | $ 3,302,000 | $ 103,187 | $ 94,000 |
| New Haven-Milford, CT | 32 | $ 4,560,000 | $ 142,500 | $ 96,000 |
| Bakersfield, CA | 31 | $ 4,391,000 | $ 141,645 | $ 117,000 |
| Cambridge-Newton-Framingham, MA | 31 | $ 6,433,000 | $ 207,516 | $ 103,000 |
| Colorado Springs, CO | 31 | $ 3,058,000 | $ 98,645 | $ 69,000 |
| Dayton, OH | 29 | $ 2,754,000 | $ 94,965 | $ 73,000 |
| Rockingham County-Strafford County, NH | 29 | $ 3,822,000 | $ 131,793 | $ 111,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 29 | $ 6,022,000 | $ 207,655 | $ 100,000 |
| Akron, OH | 28 | $ 3,224,000 | $ 115,142 | $ 83,000 |
| Boise City-Nampa, ID | 28 | $ 2,728,000 | $ 97,428 | $ 76,000 |
| Gary, IN | 28 | $ 2,564,000 | $ 91,571 | $ 104,000 |
| Salt Lake City, UT | 28 | $ 2,811,000 | $ 100,392 | $ 83,000 |
| Tucson, AZ | 28 | $ 2,580,000 | $ 92,142 | $ 94,000 |
| Portland-South Portland-Biddeford, ME | 27 | $ 3,914,000 | $ 144,962 | $ 97,000 |
| Syracuse, NY | 27 | $ 2,344,000 | $ 86,814 | $ 106,000 |
| Houston-Baytown-Sugar Land, TX | 26 | $ 4,636,000 | $ 178,307 | $ 114,000 |
| Reno-Sparks, NV | 26 | $ 4,301,000 | $ 165,423 | $ 105,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 26 | $ 3,290,000 | $ 126,538 | $ 98,000 |
| Greensboro-High Point, NC | 25 | $ 1,538,000 | $ 61,520 | $ 77,000 |
| Oklahoma City, OK | 25 | $ 1,876,000 | $ 75,040 | $ 61,000 |
| Stockton, CA | 24 | $ 3,866,000 | $ 161,083 | $ 99,000 |
| Harrisburg-Carlisle, PA | 23 | $ 1,827,000 | $ 79,434 | $ 59,000 |
| Jackson, MS | 23 | $ 2,506,000 | $ 108,956 | $ 77,000 |
| Lake County-Kenosha County, IL-WI | 23 | $ 3,588,000 | $ 156,000 | $ 153,000 |
| Manchester-Nashua, NH | 23 | $ 3,740,000 | $ 162,608 | $ 93,000 |
| Essex County, MA | 22 | $ 3,675,000 | $ 167,045 | $ 91,000 |
| Palm Bay-Melbourne-Titusville, FL | 22 | $ 1,443,000 | $ 65,590 | $ 57,000 |
| Springfield, MA | 22 | $ 1,538,000 | $ 69,909 | $ 72,000 |
| York-Hanover, PA | 22 | $ 1,434,000 | $ 65,181 | $ 67,000 |
| Baton Rouge, LA | 21 | $ 1,678,000 | $ 79,904 | $ 79,000 |
| Des Moines, IA | 21 | $ 1,590,000 | $ 75,714 | $ 73,000 |
| Sarasota-Bradenton-Venice, FL | 21 | $ 2,075,000 | $ 98,809 | $ 126,000 |
| Scranton--Wilkes-Barre, PA | 21 | $ 1,872,000 | $ 89,142 | $ 74,000 |
| Tulsa, OK | 21 | $ 1,189,000 | $ 56,619 | $ 70,000 |
| Lancaster, PA | 20 | $ 1,869,000 | $ 93,450 | $ 99,000 |
| Pensacola-Ferry Pass-Brent, FL | 20 | $ 2,543,000 | $ 127,150 | $ 125,000 |
| Trenton-Ewing, NJ | 20 | $ 3,265,000 | $ 163,250 | $ 112,000 |
| Wichita, KS | 20 | $ 1,272,000 | $ 63,600 | $ 93,000 |
| Cape Coral-Fort Myers, FL | 19 | $ 1,491,000 | $ 78,473 | $ 108,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 19 | $ 5,010,000 | $ 263,684 | $ 107,000 |
| Atlantic City, NJ | 18 | $ 2,552,000 | $ 141,777 | $ 76,000 |
| Columbia, SC | 18 | $ 1,782,000 | $ 99,000 | $ 81,000 |
| Birmingham-Hoover, AL | 17 | $ 4,020,000 | $ 236,470 | $ 96,000 |
| Fresno, CA | 17 | $ 2,470,000 | $ 145,294 | $ 88,000 |
| Greenville, SC | 17 | $ 1,254,000 | $ 73,764 | $ 98,000 |
| Little Rock-North Little Rock, AR | 17 | $ 2,335,000 | $ 137,352 | $ 106,000 |
| Louisville, KY-IN | 17 | $ 1,332,000 | $ 78,352 | $ 80,000 |
| Naples-Marco Island, FL | 17 | $ 2,428,000 | $ 142,823 | $ 124,000 |
| Omaha-Council Bluffs, NE-IA | 17 | $ 1,135,000 | $ 66,764 | $ 79,000 |
| Reading, PA | 17 | $ 1,308,000 | $ 76,941 | $ 92,000 |
| Canton-Massillon, OH | 16 | $ 998,000 | $ 62,375 | $ 77,000 |
| Fayetteville, NC | 16 | $ 768,000 | $ 48,000 | $ 93,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 16 | $ 4,014,000 | $ 250,875 | $ 96,000 |
| Springfield, MO | 16 | $ 1,297,000 | $ 81,062 | $ 57,000 |
| Vallejo-Fairfield, CA | 16 | $ 2,714,000 | $ 169,625 | $ 99,000 |
| Dallas-Plano-Irving, TX | 15 | $ 2,854,000 | $ 190,266 | $ 102,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 15 | $ 1,174,000 | $ 78,266 | $ 90,000 |
| San Francisco-San Mateo-Redwood City, CA | 15 | $ 5,603,000 | $ 373,533 | $ 119,000 |
| Spokane, WA | 15 | $ 1,282,000 | $ 85,466 | $ 71,000 |
| Bellingham, WA | 14 | $ 1,496,000 | $ 106,857 | $ 75,000 |
| Burlington-South Burlington, VT | 14 | $ 2,701,000 | $ 192,928 | $ 120,000 |
| Durham, NC | 14 | $ 2,025,000 | $ 144,642 | $ 155,000 |
| Hickory-Lenoir-Morganton, NC | 14 | $ 890,000 | $ 63,571 | $ 67,000 |
| Lakeland, FL | 14 | $ 1,180,000 | $ 84,285 | $ 103,000 |
| Provo-Orem, UT | 14 | $ 1,782,000 | $ 127,285 | $ 123,000 |
| Toledo, OH | 14 | $ 1,259,000 | $ 89,928 | $ 68,000 |
| Dover, DE | 13 | $ 1,320,000 | $ 101,538 | $ 80,000 |
| Fort Wayne, IN | 13 | $ 773,000 | $ 59,461 | $ 71,000 |
| Grand Rapids-Wyoming, MI | 13 | $ 725,000 | $ 55,769 | $ 60,000 |
| Port St. Lucie-Fort Pierce, FL | 13 | $ 1,684,000 | $ 129,538 | $ 125,000 |
| Salem, OR | 13 | $ 1,462,000 | $ 112,461 | $ 78,000 |
| Savannah, GA | 13 | $ 1,195,000 | $ 91,923 | $ 68,000 |
| Ann Arbor, MI | 12 | $ 1,431,000 | $ 119,250 | $ 96,000 |
| Barnstable Town, MA | 12 | $ 1,970,000 | $ 164,166 | $ 99,000 |
| Kingston, NY | 12 | $ 1,186,000 | $ 98,833 | $ 48,000 |
| Roanoke, VA | 12 | $ 718,000 | $ 59,833 | $ 59,000 |
| Shreveport-Bossier City, LA | 12 | $ 1,302,000 | $ 108,500 | $ 100,000 |
| Visalia-Porterville, CA | 12 | $ 1,226,000 | $ 102,166 | $ 136,000 |
| Fort Walton Beach-Crestview-Destin, FL | 11 | $ 1,018,000 | $ 92,545 | $ 70,000 |
| Honolulu, HI | 11 | $ 3,013,000 | $ 273,909 | $ 95,000 |
| Lafayette, LA | 11 | $ 1,363,000 | $ 123,909 | $ 68,000 |
| Lawrence, KS | 11 | $ 1,723,000 | $ 156,636 | $ 86,000 |
| Ogden-Clearfield, UT | 11 | $ 656,000 | $ 59,636 | $ 99,000 |
| Wilmington, NC | 11 | $ 1,433,000 | $ 130,272 | $ 102,000 |
| Winchester, VA-WV | 11 | $ 1,004,000 | $ 91,272 | $ 82,000 |
| Charleston, WV | 10 | $ 808,000 | $ 80,800 | $ 68,000 |
| Kalamazoo-Portage, MI | 10 | $ 906,000 | $ 90,600 | $ 92,000 |
| Lansing-East Lansing, MI | 10 | $ 779,000 | $ 77,900 | $ 99,000 |
| Madison, WI | 10 | $ 1,484,000 | $ 148,400 | $ 105,000 |
| Olympia, WA | 10 | $ 1,080,000 | $ 108,000 | $ 90,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 10 | $ 2,121,000 | $ 212,100 | $ 96,000 |
| Binghamton, NY | 9 | $ 390,000 | $ 43,333 | $ 72,000 |
| Columbus, GA-AL | 9 | $ 656,000 | $ 72,888 | $ 76,000 |
| Duluth, MN-WI | 9 | $ 730,000 | $ 81,111 | $ 81,000 |
| Evansville, IN-KY | 9 | $ 526,000 | $ 58,444 | $ 91,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 9 | $ 1,590,000 | $ 176,666 | $ 109,000 |
| Green Bay, WI | 9 | $ 1,040,000 | $ 115,555 | $ 62,000 |
| Gulfport-Biloxi, MS | 9 | $ 564,000 | $ 62,666 | $ 71,000 |
| Huntington-Ashland, WV-KY-OH | 9 | $ 421,000 | $ 46,777 | $ 47,000 |
| Lexington-Fayette, KY | 9 | $ 480,000 | $ 53,333 | $ 71,000 |
| Macon, GA | 9 | $ 679,000 | $ 75,444 | $ 93,000 |
| Modesto, CA | 9 | $ 1,155,000 | $ 128,333 | $ 82,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 9 | $ 930,000 | $ 103,333 | $ 112,000 |
| Ocean City, NJ | 9 | $ 1,859,000 | $ 206,555 | $ 95,000 |
| Utica-Rome, NY | 9 | $ 497,000 | $ 55,222 | $ 88,000 |
| Winston-Salem, NC | 9 | $ 396,000 | $ 44,000 | $ 58,000 |
| Asheville, NC | 8 | $ 582,000 | $ 72,750 | $ 43,000 |
| Bremerton-Silverdale, WA | 8 | $ 1,046,000 | $ 130,750 | $ 107,000 |
| Charlottesville, VA | 8 | $ 949,000 | $ 118,625 | $ 78,000 |
| Flagstaff, AZ | 8 | $ 1,621,000 | $ 202,625 | $ 75,000 |
| Gainesville, GA | 8 | $ 932,000 | $ 116,500 | $ 81,000 |
| Knoxville, TN | 8 | $ 1,337,000 | $ 167,125 | $ 106,000 |
| Lewiston-Auburn, ME | 8 | $ 989,000 | $ 123,625 | $ 100,000 |
| Monroe, MI | 8 | $ 507,000 | $ 63,375 | $ 61,000 |
| Nashville-Davidson--Murfreesboro, TN | 8 | $ 1,113,000 | $ 139,125 | $ 85,000 |
| San Luis Obispo-Paso Robles, CA | 8 | $ 2,143,000 | $ 267,875 | $ 118,000 |
| Youngstown-Warren-Boardman, OH-PA | 8 | $ 784,000 | $ 98,000 | $ 60,000 |
| Bend, OR | 7 | $ 1,181,000 | $ 168,714 | $ 78,000 |
| Burlington, NC | 7 | $ 531,000 | $ 75,857 | $ 73,000 |
| Cedar Rapids, IA | 7 | $ 412,000 | $ 58,857 | $ 78,000 |
| Chattanooga, TN-GA | 7 | $ 1,341,000 | $ 191,571 | $ 92,000 |
| Greeley, CO | 7 | $ 536,000 | $ 76,571 | $ 95,000 |
| Norwich-New London, CT | 7 | $ 718,000 | $ 102,571 | $ 115,000 |
| Peoria, IL | 7 | $ 275,000 | $ 39,285 | $ 67,000 |
| Rockford, IL | 7 | $ 475,000 | $ 67,857 | $ 66,000 |
| San Antonio, TX | 7 | $ 1,164,000 | $ 166,285 | $ 91,000 |
| Sandusky, OH | 7 | $ 616,000 | $ 88,000 | $ 36,000 |
| Santa Rosa-Petaluma, CA | 7 | $ 1,129,000 | $ 161,285 | $ 102,000 |
| Sioux Falls, SD | 7 | $ 637,000 | $ 91,000 | $ 58,000 |
| Springfield, IL | 7 | $ 714,000 | $ 102,000 | $ 102,000 |
| Sumter, SC | 7 | $ 511,000 | $ 73,000 | $ 69,000 |
| Tallahassee, FL | 7 | $ 501,000 | $ 71,571 | $ 95,000 |
| Albany, GA | 6 | $ 295,000 | $ 49,166 | $ 53,000 |
| Blacksburg-Christiansburg-Radford, VA | 6 | $ 481,000 | $ 80,166 | $ 54,000 |
| Erie, PA | 6 | $ 546,000 | $ 91,000 | $ 69,000 |
| Gainesville, FL | 6 | $ 408,000 | $ 68,000 | $ 75,000 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 598,000 | $ 99,666 | $ 80,000 |
| Lake Charles, LA | 6 | $ 533,000 | $ 88,833 | $ 79,000 |
| Lynchburg, VA | 6 | $ 315,000 | $ 52,500 | $ 76,000 |
| Mansfield, OH | 6 | $ 217,000 | $ 36,166 | $ 68,000 |
| Memphis, TN-MS-AR | 6 | $ 1,309,000 | $ 218,166 | $ 80,000 |
| Merced, CA | 6 | $ 1,083,000 | $ 180,500 | $ 111,000 |
| Ocala, FL | 6 | $ 662,000 | $ 110,333 | $ 59,000 |
| Panama City-Lynn Haven, FL | 6 | $ 224,000 | $ 37,333 | $ 65,000 |
| Pascagoula, MS | 6 | $ 522,000 | $ 87,000 | $ 90,000 |
| Rapid City, SD | 6 | $ 355,000 | $ 59,166 | $ 76,000 |
| Salinas, CA | 6 | $ 2,187,000 | $ 364,500 | $ 112,000 |
| Santa Fe, NM | 6 | $ 1,028,000 | $ 171,333 | $ 90,000 |
| Springfield, OH | 6 | $ 1,052,000 | $ 175,333 | $ 67,000 |
| St. Cloud, MN | 6 | $ 340,000 | $ 56,666 | $ 54,000 |
| Yuma, AZ | 6 | $ 1,192,000 | $ 198,666 | $ 143,000 |
| Athens-Clarke County, GA | 5 | $ 344,000 | $ 68,800 | $ 51,000 |
| Champaign-Urbana, IL | 5 | $ 352,000 | $ 70,400 | $ 53,000 |
| Chico, CA | 5 | $ 633,000 | $ 126,600 | $ 70,000 |
| Elkhart-Goshen, IN | 5 | $ 360,000 | $ 72,000 | $ 100,000 |
| Elmira, NY | 5 | $ 454,000 | $ 90,800 | $ 92,000 |
| Eugene-Springfield, OR | 5 | $ 194,000 | $ 38,800 | $ 60,000 |
| Farmington, NM | 5 | $ 439,000 | $ 87,800 | $ 93,000 |
| Hanford-Corcoran, CA | 5 | $ 323,000 | $ 64,600 | $ 58,000 |
| Jacksonville, NC | 5 | $ 244,000 | $ 48,800 | $ 72,000 |
| Kennewick-Richland-Pasco, WA | 5 | $ 611,000 | $ 122,200 | $ 118,000 |
| Las Cruces, NM | 5 | $ 346,000 | $ 69,200 | $ 79,000 |
| Lincoln, NE | 5 | $ 404,000 | $ 80,800 | $ 73,000 |
| Longview, WA | 5 | $ 284,000 | $ 56,800 | $ 111,000 |
| Madera, CA | 5 | $ 996,000 | $ 199,200 | $ 59,000 |
| Medford, OR | 5 | $ 1,021,000 | $ 204,200 | $ 95,000 |
| Niles-Benton Harbor, MI | 5 | $ 587,000 | $ 117,400 | $ 65,000 |
| Pittsfield, MA | 5 | $ 965,000 | $ 193,000 | $ 136,000 |
| Punta Gorda, FL | 5 | $ 217,000 | $ 43,400 | $ 60,000 |
| Spartanburg, SC | 5 | $ 892,000 | $ 178,400 | $ 81,000 |
| St. Joseph, MO-KS | 5 | $ 268,000 | $ 53,600 | $ 93,000 |
| Vineland-Millville-Bridgeton, NJ | 5 | $ 157,000 | $ 31,400 | $ 64,000 |
| Warner Robins, GA | 5 | $ 300,000 | $ 60,000 | $ 72,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 262,000 | $ 65,500 | $ 81,000 |
| Billings, MT | 4 | $ 480,000 | $ 120,000 | $ 86,000 |
| Flint, MI | 4 | $ 179,000 | $ 44,750 | $ 46,000 |
| Fort Worth-Arlington, TX | 4 | $ 870,000 | $ 217,500 | $ 276,000 |
| Grand Junction, CO | 4 | $ 188,000 | $ 47,000 | $ 58,000 |
| Greenville, NC | 4 | $ 221,000 | $ 55,250 | $ 65,000 |
| Hot Springs, AR | 4 | $ 460,000 | $ 115,000 | $ 84,000 |
| Iowa City, IA | 4 | $ 470,000 | $ 117,500 | $ 93,000 |
| Janesville, WI | 4 | $ 222,000 | $ 55,500 | $ 62,000 |
| Jefferson City, MO | 4 | $ 224,000 | $ 56,000 | $ 67,000 |
| Johnstown, PA | 4 | $ 186,000 | $ 46,500 | $ 72,000 |
| Kokomo, IN | 4 | $ 219,000 | $ 54,750 | $ 66,000 |
| Lafayette, IN | 4 | $ 273,000 | $ 68,250 | $ 63,000 |
| Lebanon, PA | 4 | $ 407,000 | $ 101,750 | $ 84,000 |
| Lubbock, TX | 4 | $ 574,000 | $ 143,500 | $ 81,000 |
| Michigan City-La Porte, IN | 4 | $ 354,000 | $ 88,500 | $ 58,000 |
| Muncie, IN | 4 | $ 229,000 | $ 57,250 | $ 71,000 |
| Prescott, AZ | 4 | $ 769,000 | $ 192,250 | $ 95,000 |
| Rochester, MN | 4 | $ 332,000 | $ 83,000 | $ 99,000 |
| Sioux City, IA-NE-SD | 4 | $ 400,000 | $ 100,000 | $ 89,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 355,000 | $ 88,750 | $ 135,000 |
| St. George, UT | 4 | $ 712,000 | $ 178,000 | $ 89,000 |
| State College, PA | 4 | $ 180,000 | $ 45,000 | $ 62,000 |
| Valdosta, GA | 4 | $ 418,000 | $ 104,500 | $ 71,000 |
| Altoona, PA | 3 | $ 125,000 | $ 41,666 | $ 67,000 |
| Anchorage, AK | 3 | $ 855,000 | $ 285,000 | $ 126,000 |
| Austin-Round Rock, TX | 3 | $ 988,000 | $ 329,333 | $ 174,000 |
| Bloomington-Normal, IL | 3 | $ 189,000 | $ 63,000 | $ 57,000 |
| Bowling Green, KY | 3 | $ 407,000 | $ 135,666 | $ 93,000 |
| Brunswick, GA | 3 | $ 163,000 | $ 54,333 | $ 37,000 |
| Carson City, NV | 3 | $ 324,000 | $ 108,000 | $ 59,000 |
| Cheyenne, WY | 3 | $ 111,000 | $ 37,000 | $ 72,000 |
| Columbia, MO | 3 | $ 942,000 | $ 314,000 | $ 23,000 |
| Dalton, GA | 3 | $ 149,000 | $ 49,666 | $ 73,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 399,000 | $ 133,000 | $ 102,000 |
| Fairbanks, AK | 3 | $ 481,000 | $ 160,333 | $ 79,000 |
| Fargo, ND-MN | 3 | $ 261,000 | $ 87,000 | $ 66,000 |
| Fond Du Lac, WI | 3 | $ 153,000 | $ 51,000 | $ 51,000 |
| Fort Smith, AR-OK | 3 | $ 471,000 | $ 157,000 | $ 123,000 |
| Glens Falls, NY | 3 | $ 361,000 | $ 120,333 | $ 44,000 |
| Goldsboro, NC | 3 | $ 111,000 | $ 37,000 | $ 108,000 |
| Hinesville-Fort Stewart, GA | 3 | $ 76,000 | $ 25,333 | $ 54,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 263,000 | $ 87,666 | $ 54,000 |
| Huntsville, AL | 3 | $ 483,000 | $ 161,000 | $ 114,000 |
| Idaho Falls, ID | 3 | $ 367,000 | $ 122,333 | $ 64,000 |
| Jonesboro, AR | 3 | $ 218,000 | $ 72,666 | $ 124,000 |
| Kankakee-Bradley, IL | 3 | $ 113,000 | $ 37,666 | $ 73,000 |
| Lawton, OK | 3 | $ 186,000 | $ 62,000 | $ 86,000 |
| Lima, OH | 3 | $ 298,000 | $ 99,333 | $ 70,000 |
| Monroe, LA | 3 | $ 264,000 | $ 88,000 | $ 53,000 |
| Montgomery, AL | 3 | $ 466,000 | $ 155,333 | $ 87,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 200,000 | $ 66,666 | $ 90,000 |
| Muskegon-Norton Shores, MI | 3 | $ 138,000 | $ 46,000 | $ 100,000 |
| Napa, CA | 3 | $ 259,000 | $ 86,333 | $ 91,000 |
| Racine, WI | 3 | $ 177,000 | $ 59,000 | $ 92,000 |
| Redding, CA | 3 | $ 550,000 | $ 183,333 | $ 77,000 |
| Salisbury, MD | 3 | $ 342,000 | $ 114,000 | $ 76,000 |
| Sherman-Denison, TX | 3 | $ 341,000 | $ 113,666 | $ 82,000 |
| Terre Haute, IN | 3 | $ 300,000 | $ 100,000 | $ 60,000 |
| Vero Beach, FL | 3 | $ 183,000 | $ 61,000 | $ 176,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 129,000 | $ 43,000 | $ 53,000 |
| Wenatchee, WA | 3 | $ 465,000 | $ 155,000 | $ 72,000 |
| Wheeling, WV-OH | 3 | $ 147,000 | $ 49,000 | $ 32,000 |
| Yuba City, CA | 3 | $ 160,000 | $ 53,333 | $ 87,000 |
| Anderson, IN | 2 | $ 105,000 | $ 52,500 | $ 51,000 |
| Bangor, ME | 2 | $ 125,000 | $ 62,500 | $ 40,000 |
| Boulder, CO | 2 | $ 274,000 | $ 137,000 | $ 87,000 |
| Casper, WY | 2 | $ 122,000 | $ 61,000 | $ 65,000 |
| Corpus Christi, TX | 2 | $ 234,000 | $ 117,000 | $ 185,000 |
| Danville, VA | 2 | $ 125,000 | $ 62,500 | $ 69,000 |
| Decatur, IL | 2 | $ 180,000 | $ 90,000 | $ 48,000 |
| Dubuque, IA | 2 | $ 47,000 | $ 23,500 | $ 70,000 |
| Eau Claire, WI | 2 | $ 165,000 | $ 82,500 | $ 58,000 |
| El Centro, CA | 2 | $ 71,000 | $ 35,500 | $ 82,000 |
| Florence, SC | 2 | $ 192,000 | $ 96,000 | $ 44,000 |
| Gadsden, AL | 2 | $ 219,000 | $ 109,500 | $ 125,000 |
| Grand Forks, ND-MN | 2 | $ 189,000 | $ 94,500 | $ 77,000 |
| Harrisonburg, VA | 2 | $ 288,000 | $ 144,000 | $ 61,000 |
| Hattiesburg, MS | 2 | $ 101,000 | $ 50,500 | $ 61,000 |
| Holland-Grand Haven, MI | 2 | $ 256,000 | $ 128,000 | $ 74,000 |
| Jackson, MI | 2 | $ 105,000 | $ 52,500 | $ 56,000 |
| Joplin, MO | 2 | $ 232,000 | $ 116,000 | $ 60,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 129,000 | $ 64,500 | $ 47,000 |
| Morgantown, WV | 2 | $ 146,000 | $ 73,000 | $ 39,000 |
| Parkersburg-Marietta, WV-OH | 2 | $ 80,000 | $ 40,000 | $ 30,000 |
| Pine Bluff, AR | 2 | $ 168,000 | $ 84,000 | $ 59,000 |
| Pocatello, ID | 2 | $ 167,000 | $ 83,500 | $ 75,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 53,000 | $ 26,500 | $ 64,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 190,000 | $ 95,000 | $ 55,000 |
| Alexandria, LA | 1 | $ 27,000 | $ 27,000 | $ 34,000 |
| Ames, IA | 1 | $ 27,000 | $ 27,000 | $ 59,000 |
| Anderson, SC | 1 | $ 92,000 | $ 92,000 | $ 74,000 |
| Bismarck, ND | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Brownsville-Harlingen, TX | 1 | $ 200,000 | $ 200,000 | $ 225,000 |
| Cleveland, TN | 1 | $ 52,000 | $ 52,000 | $ 67,000 |
| Coeur D'Alene, ID | 1 | $ 64,000 | $ 64,000 | $ 61,000 |
| Columbus, IN | 1 | $ 131,000 | $ 131,000 | $ 54,000 |
| Corvallis, OR | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Cumberland, MD-WV | 1 | $ 48,000 | $ 48,000 | $ 105,000 |
| Danville, IL | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Dothan, AL | 1 | $ 140,000 | $ 140,000 | $ 95,000 |
| El Paso, TX | 1 | $ 153,000 | $ 153,000 | $ 63,000 |
| Elizabethtown, KY | 1 | $ 87,000 | $ 87,000 | $ 114,000 |
| Fort Collins-Loveland, CO | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Great Falls, MT | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Ithaca, NY | 1 | $ 42,000 | $ 42,000 | $ 50,000 |
| Jackson, TN | 1 | $ 62,000 | $ 62,000 | $ 46,000 |
| La Crosse, WI-MN | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Laredo, TX | 1 | $ 132,000 | $ 132,000 | $ 46,000 |
| Missoula, MT | 1 | $ 38,000 | $ 38,000 | $ 91,000 |
| Owensboro, KY | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Pueblo, CO | 1 | $ 66,000 | $ 66,000 | $ 138,000 |
| Rocky Mount, NC | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Rome, GA | 1 | $ 158,000 | $ 158,000 | $ 109,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 128,000 | $ 128,000 | $ 162,000 |
| Sheboygan, WI | 1 | $ 42,000 | $ 42,000 | $ 49,000 |
| Wausau, WI | 1 | $ 40,000 | $ 40,000 | $ 125,000 |
| Williamsport, PA | 1 | $ 180,000 | $ 180,000 | $ 54,000 |
| Yakima, WA | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for National Bank of Kansas City in 2004
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 | 7,542 | $860,140,000 | $116,576 | $1,000,000 | $82,307 | $3,050,000 |
| Home Purchase | 1,765 | $296,386,000 | $191,450 | $2,812,000 | $105,000 | $1,158,000 |
| Home Improvement | 472 | $34,958,000 | $69,630 | $360,000 | $75,891 | $1,273,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 7,142 | $701,639,000 | $103,134 | $2,812,000 | $80,769 | $1,337,000 |
| White | 2,303 | $425,004,000 | $202,250 | $960,000 | $104,326 | $1,454,000 |
| Asian | 121 | $27,819,000 | $217,720 | $754,000 | $131,360 | $3,050,000 |
| Hispanic | 86 | $14,571,000 | $197,181 | $533,000 | $100,272 | $300,000 |
| Black or African American | 75 | $11,989,000 | $212,650 | $658,000 | $94,100 | $282,000 |
| Not applicable | 30 | $6,317,000 | $221,235 | $384,000 | $115,000 | $255,000 |
| American Indian or Alaskan Native | 18 | $3,545,000 | $233,545 | $526,000 | $86,454 | $135,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $600,000 | $170,000 | $245,000 | $88,000 | $120,000 |
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) | 9,462 | $1,158,382,000 | $122,134 | $2,812,000 | $86,423 | $3,050,000 |
| FHA-insured (Federal Housing Administration) | 240 | $22,259,000 | $103,666 | $187,000 | $42,000 | $206,000 |
| VA-guaranteed (Veterans Administration) | 68 | $9,680,000 | $182,222 | $240,000 | $61,222 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,163,000 | $129,000 | $180,000 | $47,000 | $66,000 |
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 | 8,569 | $1,037,776,000 | $119,807 | $1,000,000 | $86,846 | $3,050,000 |
| Application Denied By Financial Institution | 865 | $86,969,000 | $108,000 | $2,812,000 | $76,060 | $980,000 |
| Application Approved But Not Accepted | 260 | $50,448,000 | $221,595 | $720,000 | $103,880 | $803,000 |
| Application Withdrawn By Applicant | 84 | $16,266,000 | $202,785 | $975,000 | $107,107 | $1,158,000 |
| File Closed For Incompleteness | 1 | $25,000 | $25,000 | $25,000 | $60,000 | $60,000 |
| 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 Application Incomplete | 493 | $45,858,000 | $88,891 | $613,000 | $66,304 | $300,000 |
| Other | 199 | $22,040,000 | $117,725 | $2,812,000 | $77,875 | $980,000 |
| Collateral | 106 | $10,229,000 | $113,090 | $800,000 | $83,545 | $362,000 |
| Debt-To-Income Ratio | 29 | $4,404,000 | $175,750 | $451,000 | $70,500 | $170,000 |
| Credit History | 19 | $1,760,000 | $114,700 | $250,000 | $147,000 | $709,000 |
| Unverifiable Information | 8 | $1,817,000 | $227,125 | $487,000 | $92,375 | $240,000 |
| Employment History | 6 | $274,000 | $40,400 | $106,000 | $69,800 | $113,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $587,000 | $154,000 | $240,000 | $92,333 | $156,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Bank of Kansas City's 2004 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 National Bank of Kansas City'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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