National Bank of Kansas City Mortgage Lending & HMDA Data, 2011
In 2011, National Bank of Kansas City of Overland Park, KS reported 7,030 mortgage applications totaling $1.9 billion, down 12% from 2010. The average application was for $274,356, and applicants reported an average income of $93,557. 84% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Kansas City, MO-KS (542), Washington-Arlington-Alexandria, DC-VA-MD-WV (352) and Chicago-Joliet-Naperville, IL (159) (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 | 7,030 |
| Total Mortgage Loan Application Amount | $1,928,728,000 |
| Average Mortgage Loan Application Amount | $274,356 |
| Highest Mortgage Loan Application Amount | $1,422,000 |
| Average Applicant Income | $93,557 |
| Highest Applicant Income | $2,921,000 |
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records National Bank of Kansas City filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for National Bank of Kansas City in 2011
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 | 4,991 | $1,421,853,000 | $284,000 | $1,422,000 | $88,000 | $2,921,000 |
| Home Purchase | 1,948 | $483,000,000 | $247,000 | $1,180,000 | $106,000 | $2,191,000 |
| Home Improvement | 91 | $23,875,000 | $262,000 | $1,000,000 | $132,000 | $554,000 |
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 | 5,222 | $1,405,641,000 | $269,000 | $1,422,000 | $92,000 | $2,921,000 |
| Not Provided | 713 | $205,787,000 | $288,000 | $889,000 | $101,000 | $996,000 |
| Hispanic | 381 | $102,196,000 | $268,000 | $905,000 | $81,000 | $668,000 |
| Asian | 358 | $119,343,000 | $333,000 | $794,000 | $140,000 | $1,133,000 |
| Black or African American | 252 | $65,165,000 | $258,000 | $1,000,000 | $63,000 | $550,000 |
| American Indian or Alaskan Native | 50 | $14,402,000 | $288,000 | $901,000 | $94,000 | $877,000 |
| Native Hawaiian or Other Pacific Islander | 33 | $9,569,000 | $289,000 | $683,000 | $84,000 | $392,000 |
| Not applicable | 21 | $6,625,000 | $315,000 | $1,000,000 | $13,000 | $281,000 |
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 |
|---|---|---|---|---|---|---|
| VA-guaranteed (Veterans Administration) | 3,217 | $897,969,000 | $279,000 | $1,162,000 | $43,000 | $1,350,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,025 | $849,069,000 | $280,000 | $1,422,000 | $150,000 | $2,921,000 |
| FHA-insured (Federal Housing Administration) | 712 | $170,797,000 | $239,000 | $772,000 | $87,000 | $462,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 76 | $10,893,000 | $143,000 | $414,000 | $48,000 | $105,000 |
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 | 5,925 | $1,643,232,000 | $277,000 | $1,422,000 | $93,000 | $2,921,000 |
| Application Denied By Financial Institution | 610 | $158,534,000 | $259,000 | $1,112,000 | $91,000 | $1,132,000 |
| Application Approved But Not Accepted | 399 | $109,384,000 | $274,000 | $867,000 | $103,000 | $840,000 |
| Application Withdrawn By Applicant | 61 | $15,283,000 | $250,000 | $587,000 | $114,000 | $1,157,000 |
| Loan Purchased By The Institution | 34 | $1,955,000 | $57,000 | $99,000 | $61,000 | $180,000 |
| File Closed For Incompleteness | 1 | $340,000 | $340,000 | $340,000 | $127,000 | $127,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 381 | $104,095,000 | $273,000 | $1,112,000 | $103,000 | $1,132,000 |
| Debt-To-Income Ratio | 106 | $26,920,000 | $253,000 | $955,000 | $68,000 | $668,000 |
| Credit History | 51 | $10,866,000 | $213,000 | $739,000 | $64,000 | $200,000 |
| Other | 26 | $6,206,000 | $238,000 | $500,000 | $77,000 | $307,000 |
| Employment History | 24 | $5,422,000 | $225,000 | $414,000 | $74,000 | $310,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $2,290,000 | $229,000 | $446,000 | $113,000 | $207,000 |
| Mortgage Insurance Denied | 10 | $2,191,000 | $219,000 | $541,000 | $76,000 | $286,000 |
| Unverifiable Information | 2 | $544,000 | $272,000 | $287,000 | $80,000 | $98,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Bank of Kansas City's 2011 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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