NBKC Bank Mortgage Lending & HMDA Data, 2023

In 2023, NBKC Bank of Kansas City, MO reported 15,616 mortgage applications totaling $6.1 billion, down 12% from 2022. The average application was for $391,107, and applicants reported an average income of $142,544. 38% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Kansas City, MO-KS (639), Atlanta-Sandy Springs-Roswell, GA (328) and Houston-The Woodlands-Sugar Land, TX (250) (applications in parentheses).

Mortgage Company & Address NBKC Bank
8320 Ward Parkway
Kansas City, MO 64114
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  
Total Number of Mortgage Applications 15,616
Total Mortgage Loan Application Amount $6,107,540,000
Average Mortgage Loan Application Amount $391,107
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $142,544
Highest Applicant Income $1,953,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records NBKC Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 NBKC Bank by County in 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Johnson, Kansas 231 $ 82,885,000 $ 358,809 $ 143,000
Jackson, Missouri 198 $ 59,210,000 $ 299,040 $ 123,000
Maricopa, Arizona 165 $ 63,835,000 $ 386,878 $ 145,000
Clark, Nevada 149 $ 53,825,000 $ 361,241 $ 142,000
Harris, Texas 148 $ 53,360,000 $ 360,540 $ 149,000
Mecklenburg, North Carolina 118 $ 47,690,000 $ 404,152 $ 154,000
Los Angeles, California 105 $ 59,545,000 $ 567,095 $ 180,000
Cook, Illinois 105 $ 35,875,000 $ 341,666 $ 174,000
King, Washington 91 $ 55,315,000 $ 607,857 $ 194,000
Kitsap, Washington 90 $ 40,030,000 $ 444,777 $ 133,000
Bexar, Texas 87 $ 29,865,000 $ 343,275 $ 131,000
Tarrant, Texas 87 $ 32,955,000 $ 378,793 $ 152,000
Pierce, Washington 83 $ 38,985,000 $ 469,698 $ 141,000
Collin, Texas 75 $ 34,885,000 $ 465,133 $ 178,000
Wake, North Carolina 74 $ 32,280,000 $ 436,216 $ 169,000
Clay, Missouri 70 $ 18,580,000 $ 265,428 $ 117,000
San Diego, California 65 $ 37,365,000 $ 574,846 $ 173,000
Dallas, Texas 65 $ 25,005,000 $ 384,692 $ 162,000
Denton, Texas 65 $ 29,715,000 $ 457,153 $ 157,000
Travis, Texas 64 $ 31,610,000 $ 493,906 $ 227,000
Camden, Georgia 62 $ 17,390,000 $ 280,483 $ 86,000
Middlesex, Massachusetts 62 $ 34,790,000 $ 561,129 $ 174,000
Fairfax, Virginia 58 $ 28,180,000 $ 485,862 $ 172,000
Fulton, Georgia 57 $ 21,595,000 $ 378,859 $ 157,000
Orange, Florida 56 $ 23,530,000 $ 420,178 $ 164,000
Miami-Dade, Florida 54 $ 27,720,000 $ 513,333 $ 163,000
Broward, Florida 53 $ 25,115,000 $ 473,867 $ 169,000
Riverside, California 51 $ 19,865,000 $ 389,509 $ 138,000
Hillsborough, Florida 50 $ 19,740,000 $ 394,800 $ 136,000
Gwinnett, Georgia 48 $ 18,660,000 $ 388,750 $ 132,000
Salt Lake, Utah 48 $ 23,120,000 $ 481,666 $ 153,000
Curry, New Mexico 46 $ 12,200,000 $ 265,217 $ 104,000
Multnomah, Oregon 46 $ 20,020,000 $ 435,217 $ 148,000
Duval, Florida 45 $ 15,505,000 $ 344,555 $ 109,000
Palm Beach, Florida 45 $ 17,305,000 $ 384,555 $ 156,000
Williamson, Texas 44 $ 18,800,000 $ 427,272 $ 163,000
Cobb, Georgia 43 $ 18,415,000 $ 428,255 $ 204,000
San Bernardino, California 41 $ 13,125,000 $ 320,121 $ 126,000
El Paso, Colorado 41 $ 18,695,000 $ 455,975 $ 143,000
Pinellas, Florida 41 $ 14,765,000 $ 360,121 $ 163,000
Oklahoma, Oklahoma 41 $ 12,055,000 $ 294,024 $ 128,000
Benton, Arkansas 40 $ 14,640,000 $ 366,000 $ 165,000
Wyandotte, Kansas 40 $ 9,720,000 $ 243,000 $ 118,000
Snohomish, Washington 40 $ 21,490,000 $ 537,250 $ 183,000
DeKalb, Georgia 39 $ 14,515,000 $ 372,179 $ 124,000
Davidson, Tennessee 39 $ 16,735,000 $ 429,102 $ 134,000
New Castle, Delaware 38 $ 13,190,000 $ 347,105 $ 125,000
Fort Bend, Texas 38 $ 17,680,000 $ 465,263 $ 162,000
Anchorage, Alaska 37 $ 15,735,000 $ 425,270 $ 161,000
Sacramento, California 37 $ 13,645,000 $ 368,783 $ 149,000
Jefferson, Colorado 37 $ 21,295,000 $ 575,540 $ 169,000
Hennepin, Minnesota 37 $ 14,525,000 $ 392,567 $ 161,000
Middlesex, New Jersey 37 $ 14,845,000 $ 401,216 $ 173,000
Orange, California 35 $ 20,735,000 $ 592,428 $ 183,000
Oakland, Michigan 35 $ 12,555,000 $ 358,714 $ 157,000
Fairfield, Connecticut 34 $ 14,500,000 $ 426,470 $ 172,000
Brevard, Florida 34 $ 14,610,000 $ 429,705 $ 160,000
Sarasota, Florida 34 $ 12,030,000 $ 353,823 $ 138,000
Philadelphia, Pennsylvania 34 $ 12,000,000 $ 352,941 $ 111,000
Charleston, South Carolina 34 $ 15,960,000 $ 469,411 $ 141,000
Platte, Missouri 33 $ 11,665,000 $ 353,484 $ 171,000
Montgomery, Texas 33 $ 11,765,000 $ 356,515 $ 146,000
Pasco, Florida 32 $ 12,120,000 $ 378,750 $ 140,000
Bernalillo, New Mexico 32 $ 10,100,000 $ 315,625 $ 133,000
Franklin, Ohio 32 $ 7,960,000 $ 248,750 $ 117,000
Denver, Colorado 31 $ 14,975,000 $ 483,064 $ 206,000
St. Louis, Missouri 31 $ 10,045,000 $ 324,032 $ 136,000
Douglas, Nebraska 31 $ 10,645,000 $ 343,387 $ 147,000
Prince William, Virginia 31 $ 15,455,000 $ 498,548 $ 156,000
Madison, Alabama 30 $ 10,780,000 $ 359,333 $ 146,000
Pima, Arizona 29 $ 9,885,000 $ 340,862 $ 157,000
Volusia, Florida 29 $ 10,425,000 $ 359,482 $ 145,000
DuPage, Illinois 29 $ 11,975,000 $ 412,931 $ 163,000
Nassau, New York 29 $ 12,565,000 $ 433,275 $ 155,000
Marion, Indiana 28 $ 6,690,000 $ 238,928 $ 87,000
Sedgwick, Kansas 28 $ 6,740,000 $ 240,714 $ 109,000
Douglas, Colorado 27 $ 15,615,000 $ 578,333 $ 173,000
Lee, Florida 27 $ 8,675,000 $ 321,296 $ 136,000
Ada, Idaho 27 $ 12,175,000 $ 450,925 $ 158,000
Cass, Missouri 27 $ 8,965,000 $ 332,037 $ 128,000
Washington, Oregon 27 $ 13,355,000 $ 494,629 $ 180,000
District of Columbia, District Of Columbia 26 $ 13,380,000 $ 514,615 $ 174,000
Chester, Pennsylvania 26 $ 11,990,000 $ 461,153 $ 168,000
Shelby, Tennessee 26 $ 8,100,000 $ 311,538 $ 155,000
Clark, Washington 26 $ 12,410,000 $ 477,307 $ 160,000
Spokane, Washington 26 $ 11,750,000 $ 451,923 $ 152,000
Lake, Florida 25 $ 9,225,000 $ 369,000 $ 132,000
Bergen, New Jersey 25 $ 12,945,000 $ 517,800 $ 186,000
Essex, New Jersey 25 $ 11,745,000 $ 469,800 $ 208,000
Hudson, New Jersey 25 $ 13,815,000 $ 552,600 $ 208,000
Cabarrus, North Carolina 25 $ 9,325,000 $ 373,000 $ 139,000
Tulsa, Oklahoma 25 $ 8,045,000 $ 321,800 $ 154,000
Montgomery, Pennsylvania 25 $ 10,825,000 $ 433,000 $ 169,000
Horry, South Carolina 25 $ 6,665,000 $ 266,600 $ 114,000
Escambia, Florida 24 $ 9,650,000 $ 402,083 $ 145,000
Santa Rosa, Florida 24 $ 8,630,000 $ 359,583 $ 116,000
Anne Arundel, Maryland 24 $ 9,960,000 $ 415,000 $ 130,000
Worcester, Massachusetts 24 $ 10,020,000 $ 417,500 $ 123,000
Allegheny, Pennsylvania 24 $ 6,220,000 $ 259,166 $ 110,000
Contra Costa, California 23 $ 10,885,000 $ 473,260 $ 153,000
New Haven, Connecticut 23 $ 8,615,000 $ 374,565 $ 136,000
Forsyth, Georgia 23 $ 13,875,000 $ 603,260 $ 214,000
Lowndes, Georgia 23 $ 6,095,000 $ 265,000 $ 114,000
Will, Illinois 23 $ 8,405,000 $ 365,434 $ 139,000
Norfolk, Massachusetts 23 $ 11,355,000 $ 493,695 $ 169,000
St. Charles, Missouri 23 $ 7,295,000 $ 317,173 $ 123,000
Washoe, Nevada 23 $ 8,205,000 $ 356,739 $ 158,000
Monmouth, New Jersey 23 $ 11,355,000 $ 493,695 $ 174,000
Hamilton, Tennessee 23 $ 8,535,000 $ 371,086 $ 151,000
Bell, Texas 23 $ 6,615,000 $ 287,608 $ 107,000
Marion, Florida 22 $ 5,480,000 $ 249,090 $ 81,000
Somerset, New Jersey 22 $ 11,280,000 $ 512,727 $ 197,000
Otero, New Mexico 22 $ 6,490,000 $ 295,000 $ 111,000
Westchester, New York 22 $ 10,930,000 $ 496,818 $ 198,000
Durham, North Carolina 22 $ 7,940,000 $ 360,909 $ 139,000
El Paso, Texas 22 $ 6,050,000 $ 275,000 $ 136,000
Alameda, California 21 $ 14,095,000 $ 671,190 $ 178,000
Arapahoe, Colorado 21 $ 9,875,000 $ 470,238 $ 147,000
Hartford, Connecticut 21 $ 6,155,000 $ 293,095 $ 194,000
Okaloosa, Florida 21 $ 8,345,000 $ 397,380 $ 137,000
Montgomery, Maryland 21 $ 10,365,000 $ 493,571 $ 179,000
Prince George's, Maryland 21 $ 9,125,000 $ 434,523 $ 163,000
Morris, New Jersey 21 $ 9,165,000 $ 436,428 $ 167,000
Union, North Carolina 21 $ 8,605,000 $ 409,761 $ 161,000
Montgomery, Ohio 21 $ 5,875,000 $ 279,761 $ 131,000
York, South Carolina 21 $ 7,185,000 $ 342,142 $ 122,000
Bucks, Pennsylvania 20 $ 9,470,000 $ 473,500 $ 145,000
Thurston, Washington 20 $ 8,260,000 $ 413,000 $ 126,000
Milwaukee, Wisconsin 20 $ 4,530,000 $ 226,500 $ 119,000
Larimer, Colorado 19 $ 8,945,000 $ 470,789 $ 135,000
Osceola, Florida 19 $ 5,465,000 $ 287,631 $ 94,000
Polk, Florida 19 $ 6,325,000 $ 332,894 $ 142,000
Fayette, Georgia 19 $ 8,335,000 $ 438,684 $ 216,000
Leavenworth, Kansas 19 $ 5,015,000 $ 263,947 $ 150,000
Wayne, Michigan 19 $ 5,465,000 $ 287,631 $ 116,000
Hillsborough, New Hampshire 19 $ 8,085,000 $ 425,526 $ 156,000
Gaston, North Carolina 19 $ 5,825,000 $ 306,578 $ 102,000
Greenville, South Carolina 19 $ 6,295,000 $ 331,315 $ 124,000
Knox, Tennessee 19 $ 6,335,000 $ 333,421 $ 125,000
Utah, Utah 19 $ 10,185,000 $ 536,052 $ 181,000
Virginia Beach, Virginia 19 $ 8,195,000 $ 431,315 $ 111,000
Jefferson, Alabama 18 $ 6,370,000 $ 353,888 $ 162,000
Washington, Arkansas 18 $ 5,750,000 $ 319,444 $ 122,000
St. Johns, Florida 18 $ 7,680,000 $ 426,666 $ 195,000
Lake, Illinois 18 $ 5,950,000 $ 330,555 $ 151,000
Lake, Indiana 18 $ 3,890,000 $ 216,111 $ 95,000
Baltimore City, Maryland 18 $ 4,860,000 $ 270,000 $ 98,000
Hamilton, Ohio 18 $ 4,970,000 $ 276,111 $ 114,000
Seminole, Florida 17 $ 6,005,000 $ 353,235 $ 119,000
Kane, Illinois 17 $ 5,975,000 $ 351,470 $ 172,000
Jefferson, Kentucky 17 $ 4,555,000 $ 267,941 $ 118,000
Howard, Maryland 17 $ 8,355,000 $ 491,470 $ 161,000
Ocean, New Jersey 17 $ 6,385,000 $ 375,588 $ 150,000
Cuyahoga, Ohio 17 $ 6,295,000 $ 370,294 $ 186,000
Providence, Rhode Island 17 $ 6,495,000 $ 382,058 $ 115,000
Adams, Colorado 16 $ 6,190,000 $ 386,875 $ 125,000
Canyon, Idaho 16 $ 6,520,000 $ 407,500 $ 109,000
Douglas, Kansas 16 $ 4,760,000 $ 297,500 $ 126,000
Suffolk, New York 16 $ 8,080,000 $ 505,000 $ 172,000
Onslow, North Carolina 16 $ 4,740,000 $ 296,250 $ 113,000
Montgomery, Tennessee 16 $ 5,460,000 $ 341,250 $ 119,000
Davis, Utah 16 $ 7,970,000 $ 498,125 $ 190,000
Solano, California 15 $ 6,555,000 $ 437,000 $ 144,000
Clay, Florida 15 $ 5,755,000 $ 383,666 $ 117,000
Manatee, Florida 15 $ 6,395,000 $ 426,333 $ 191,000
Chatham, Georgia 15 $ 4,365,000 $ 291,000 $ 118,000
Houston, Georgia 15 $ 3,905,000 $ 260,333 $ 137,000
Hamilton, Indiana 15 $ 6,385,000 $ 425,666 $ 173,000
Essex, Massachusetts 15 $ 7,355,000 $ 490,333 $ 172,000
Sarpy, Nebraska 15 $ 5,685,000 $ 379,000 $ 151,000
Burlington, New Jersey 15 $ 5,415,000 $ 361,000 $ 162,000
Mercer, New Jersey 15 $ 5,895,000 $ 393,000 $ 148,000
Summit, Ohio 15 $ 2,385,000 $ 159,000 $ 88,000
Weber, Utah 15 $ 6,435,000 $ 429,000 $ 136,000
Loudoun, Virginia 15 $ 6,925,000 $ 461,666 $ 167,000
Kent, Delaware 14 $ 4,870,000 $ 347,857 $ 116,000
Charlotte, Florida 14 $ 5,310,000 $ 379,285 $ 173,000
Coweta, Georgia 14 $ 5,740,000 $ 410,000 $ 173,000
Bonneville, Idaho 14 $ 4,870,000 $ 347,857 $ 104,000
Ramsey, Minnesota 14 $ 4,580,000 $ 327,142 $ 108,000
Johnson, Missouri 14 $ 3,510,000 $ 250,714 $ 121,000
Passaic, New Jersey 14 $ 4,870,000 $ 347,857 $ 130,000
Union, New Jersey 14 $ 5,830,000 $ 416,428 $ 153,000
Queens, New York 14 $ 7,260,000 $ 518,571 $ 169,000
Beaufort, South Carolina 14 $ 6,770,000 $ 483,571 $ 201,000
Dorchester, South Carolina 14 $ 5,250,000 $ 375,000 $ 132,000
Stafford, Virginia 14 $ 7,910,000 $ 565,000 $ 168,000
Fresno, California 13 $ 4,205,000 $ 323,461 $ 105,000
Kern, California 13 $ 3,465,000 $ 266,538 $ 118,000
Weld, Colorado 13 $ 6,095,000 $ 468,846 $ 158,000
Alachua, Florida 13 $ 3,735,000 $ 287,307 $ 145,000
St. Lucie, Florida 13 $ 5,325,000 $ 409,615 $ 113,000
Hall, Georgia 13 $ 4,265,000 $ 328,076 $ 118,000
Henry, Georgia 13 $ 5,515,000 $ 424,230 $ 182,000
Suffolk, Massachusetts 13 $ 6,245,000 $ 480,384 $ 183,000
Canadian, Oklahoma 13 $ 3,755,000 $ 288,846 $ 115,000
Williamson, Tennessee 13 $ 7,765,000 $ 597,307 $ 183,000
Brazoria, Texas 13 $ 4,905,000 $ 377,307 $ 144,000
Parker, Texas 13 $ 6,035,000 $ 464,230 $ 211,000
Southeast Fairbanks, Alaska 12 $ 3,880,000 $ 323,333 $ 105,000
Santa Clara, California 12 $ 7,940,000 $ 661,666 $ 163,000
Bay, Florida 12 $ 4,190,000 $ 349,166 $ 125,000
Walton, Florida 12 $ 4,630,000 $ 385,833 $ 165,000
Cherokee, Georgia 12 $ 5,730,000 $ 477,500 $ 163,000
Honolulu, Hawaii 12 $ 5,960,000 $ 496,666 $ 151,000
Polk, Iowa 12 $ 2,410,000 $ 200,833 $ 90,000
Riley, Kansas 12 $ 3,700,000 $ 308,333 $ 132,000
Baltimore, Maryland 12 $ 4,200,000 $ 350,000 $ 139,000
Frederick, Maryland 12 $ 6,040,000 $ 503,333 $ 144,000
Boone, Missouri 12 $ 3,670,000 $ 305,833 $ 102,000
Greene, Missouri 12 $ 3,250,000 $ 270,833 $ 188,000
Camden, New Jersey 12 $ 4,160,000 $ 346,666 $ 109,000
Lucas, Ohio 12 $ 2,810,000 $ 234,166 $ 93,000
Clackamas, Oregon 12 $ 5,620,000 $ 468,333 $ 177,000
Marion, Oregon 12 $ 3,840,000 $ 320,000 $ 152,000
Delaware, Pennsylvania 12 $ 4,180,000 $ 348,333 $ 141,000
York, Pennsylvania 12 $ 3,360,000 $ 280,000 $ 153,000
Berkeley, South Carolina 12 $ 4,040,000 $ 336,666 $ 84,000
Sumner, Tennessee 12 $ 4,610,000 $ 384,166 $ 134,000
Wilson, Tennessee 12 $ 4,770,000 $ 397,500 $ 171,000
Galveston, Texas 12 $ 5,000,000 $ 416,666 $ 185,000
Grayson, Texas 12 $ 3,850,000 $ 320,833 $ 121,000
Kaufman, Texas 12 $ 3,630,000 $ 302,500 $ 98,000
Newport News, Virginia 12 $ 3,030,000 $ 252,500 $ 78,000
Baldwin, Alabama 11 $ 3,505,000 $ 318,636 $ 119,000
Matanuska-Susitna, Alaska 11 $ 5,245,000 $ 476,818 $ 136,000
Flagler, Florida 11 $ 2,925,000 $ 265,909 $ 126,000
Paulding, Georgia 11 $ 3,865,000 $ 351,363 $ 117,000
St. Clair, Illinois 11 $ 4,535,000 $ 412,272 $ 219,000
Bristol, Massachusetts 11 $ 4,905,000 $ 445,909 $ 131,000
Hampden, Massachusetts 11 $ 2,675,000 $ 243,181 $ 84,000
Harrison, Mississippi 11 $ 2,805,000 $ 255,000 $ 114,000
Lowndes, Mississippi 11 $ 3,625,000 $ 329,545 $ 123,000
St. Louis City, Missouri 11 $ 1,705,000 $ 155,000 $ 94,000
Rockingham, New Hampshire 11 $ 5,455,000 $ 495,909 $ 151,000
Kings, New York 11 $ 6,095,000 $ 554,090 $ 295,000
Orange, New York 11 $ 4,075,000 $ 370,454 $ 142,000
Forsyth, North Carolina 11 $ 3,695,000 $ 335,909 $ 156,000
Harnett, North Carolina 11 $ 3,045,000 $ 276,818 $ 92,000
Moore, North Carolina 11 $ 4,345,000 $ 395,000 $ 123,000
Garfield, Oklahoma 11 $ 2,415,000 $ 219,545 $ 103,000
Richland, South Carolina 11 $ 2,825,000 $ 256,818 $ 96,000
Spartanburg, South Carolina 11 $ 3,455,000 $ 314,090 $ 137,000
Midland, Texas 11 $ 4,435,000 $ 403,181 $ 155,000
Alexandria, Virginia 11 $ 5,435,000 $ 494,090 $ 178,000
Chesapeake, Virginia 11 $ 4,285,000 $ 389,545 $ 117,000
Ventura, California 10 $ 5,540,000 $ 554,000 $ 193,000
Collier, Florida 10 $ 5,350,000 $ 535,000 $ 257,000
Shawnee, Kansas 10 $ 2,380,000 $ 238,000 $ 112,000
Washtenaw, Michigan 10 $ 3,730,000 $ 373,000 $ 145,000
Washington, Minnesota 10 $ 3,770,000 $ 377,000 $ 166,000
Lancaster, Nebraska 10 $ 3,020,000 $ 302,000 $ 164,000
Erie, New York 10 $ 2,920,000 $ 292,000 $ 176,000
Guilford, North Carolina 10 $ 3,090,000 $ 309,000 $ 151,000
Johnston, North Carolina 10 $ 3,490,000 $ 349,000 $ 135,000
New Hanover, North Carolina 10 $ 3,590,000 $ 359,000 $ 131,000
Cleveland, Oklahoma 10 $ 3,080,000 $ 308,000 $ 138,000
Cumberland, Pennsylvania 10 $ 3,140,000 $ 314,000 $ 110,000
Dauphin, Pennsylvania 10 $ 2,620,000 $ 262,000 $ 133,000
Arlington, Virginia 10 $ 7,710,000 $ 771,000 $ 266,000
Chesterfield, Virginia 10 $ 3,400,000 $ 340,000 $ 123,000
Mobile, Alabama 9 $ 2,455,000 $ 272,777 $ 103,000
Pinal, Arizona 9 $ 2,145,000 $ 238,333 $ 83,000
Yavapai, Arizona 9 $ 3,655,000 $ 406,111 $ 120,000
Pulaski, Arkansas 9 $ 2,775,000 $ 308,333 $ 142,000
Martin, Florida 9 $ 3,625,000 $ 402,777 $ 185,000
Hawaii, Hawaii 9 $ 4,525,000 $ 502,777 $ 134,000
Kootenai, Idaho 9 $ 4,185,000 $ 465,000 $ 184,000
Kent, Michigan 9 $ 3,535,000 $ 392,777 $ 142,000
Anoka, Minnesota 9 $ 2,785,000 $ 309,444 $ 119,000
Sussex, New Jersey 9 $ 2,935,000 $ 326,111 $ 284,000
Brunswick, North Carolina 9 $ 2,555,000 $ 283,888 $ 116,000
Cumberland, North Carolina 9 $ 2,125,000 $ 236,111 $ 94,000
Lorain, Ohio 9 $ 2,475,000 $ 275,000 $ 99,000
Ellis, Texas 9 $ 3,845,000 $ 427,222 $ 194,000
Guadalupe, Texas 9 $ 3,425,000 $ 380,555 $ 139,000
Hidalgo, Texas 9 $ 2,905,000 $ 322,777 $ 92,000
Johnson, Texas 9 $ 3,925,000 $ 436,111 $ 171,000
Nueces, Texas 9 $ 2,745,000 $ 305,000 $ 111,000
Rockwall, Texas 9 $ 3,465,000 $ 385,000 $ 134,000
Val Verde, Texas 9 $ 2,285,000 $ 253,888 $ 96,000
Chittenden, Vermont 9 $ 3,995,000 $ 443,888 $ 165,000
Whatcom, Washington 9 $ 2,825,000 $ 313,888 $ 131,000
Yakima, Washington 9 $ 1,845,000 $ 205,000 $ 106,000
Berkeley, West Virginia 9 $ 2,785,000 $ 309,444 $ 103,000
Kodiak Island, Alaska 8 $ 2,860,000 $ 357,500 $ 145,000
Butte, California 8 $ 2,780,000 $ 347,500 $ 112,000
Sonoma, California 8 $ 3,660,000 $ 457,500 $ 152,000
Hernando, Florida 8 $ 2,580,000 $ 322,500 $ 124,000
Nassau, Florida 8 $ 2,900,000 $ 362,500 $ 237,000
Clayton, Georgia 8 $ 1,860,000 $ 232,500 $ 82,000
Columbia, Georgia 8 $ 2,190,000 $ 273,750 $ 124,000
McHenry, Illinois 8 $ 2,810,000 $ 351,250 $ 117,000
Floyd, Indiana 8 $ 3,020,000 $ 377,500 $ 117,000
Tippecanoe, Indiana 8 $ 2,380,000 $ 297,500 $ 135,000
Miami, Kansas 8 $ 2,580,000 $ 322,500 $ 170,000
Cumberland, Maine 8 $ 2,140,000 $ 267,500 $ 84,000
Plymouth, Massachusetts 8 $ 3,490,000 $ 436,250 $ 173,000
Genesee, Michigan 8 $ 2,330,000 $ 291,250 $ 132,000
Scott, Minnesota 8 $ 2,530,000 $ 316,250 $ 187,000
Christian, Missouri 8 $ 2,430,000 $ 303,750 $ 99,000
Stone, Missouri 8 $ 3,160,000 $ 395,000 $ 291,000
Onondaga, New York 8 $ 1,440,000 $ 180,000 $ 81,000
Iredell, North Carolina 8 $ 3,830,000 $ 478,750 $ 236,000
Lake, Ohio 8 $ 2,200,000 $ 275,000 $ 107,000
Deschutes, Oregon 8 $ 3,340,000 $ 417,500 $ 125,000
Lane, Oregon 8 $ 2,870,000 $ 358,750 $ 89,000
Polk, Oregon 8 $ 2,590,000 $ 323,750 $ 108,000
Lancaster, Pennsylvania 8 $ 2,400,000 $ 300,000 $ 96,000
Aiken, South Carolina 8 $ 2,180,000 $ 272,500 $ 91,000
Lexington, South Carolina 8 $ 1,850,000 $ 231,250 $ 72,000
Maury, Tennessee 8 $ 3,140,000 $ 392,500 $ 113,000
Sullivan, Tennessee 8 $ 2,160,000 $ 270,000 $ 103,000
Brazos, Texas 8 $ 2,560,000 $ 320,000 $ 112,000
Comal, Texas 8 $ 3,490,000 $ 436,250 $ 160,000
Hays, Texas 8 $ 3,870,000 $ 483,750 $ 196,000
Taylor, Texas 8 $ 2,280,000 $ 285,000 $ 109,000
Washington, Utah 8 $ 2,860,000 $ 357,500 $ 109,000
Culpeper, Virginia 8 $ 3,590,000 $ 448,750 $ 164,000
Richmond City, Virginia 8 $ 2,320,000 $ 290,000 $ 133,000
York, Virginia 8 $ 3,030,000 $ 378,750 $ 137,000
Montgomery, Alabama 7 $ 2,305,000 $ 329,285 $ 100,000
Placer, California 7 $ 3,535,000 $ 505,000 $ 171,000
San Mateo, California 7 $ 5,025,000 $ 717,857 $ 192,000
Shasta, California 7 $ 2,015,000 $ 287,857 $ 148,000
Boulder, Colorado 7 $ 3,635,000 $ 519,285 $ 155,000
Pueblo, Colorado 7 $ 1,865,000 $ 266,428 $ 123,000
New London, Connecticut 7 $ 2,095,000 $ 299,285 $ 148,000
Citrus, Florida 7 $ 1,575,000 $ 225,000 $ 72,000
Allen, Indiana 7 $ 2,325,000 $ 332,142 $ 125,000
St. Joseph, Indiana 7 $ 1,845,000 $ 263,571 $ 118,000
Orleans, Louisiana 7 $ 2,355,000 $ 336,428 $ 199,000
Charles, Maryland 7 $ 2,635,000 $ 376,428 $ 99,000
Crow Wing, Minnesota 7 $ 4,645,000 $ 663,571 $ 244,000
Olmsted, Minnesota 7 $ 2,475,000 $ 353,571 $ 156,000
Stearns, Minnesota 7 $ 2,225,000 $ 317,857 $ 136,000
Jackson, Mississippi 7 $ 2,095,000 $ 299,285 $ 134,000
Gallatin, Montana 7 $ 3,375,000 $ 482,142 $ 154,000
Sandoval, New Mexico 7 $ 2,515,000 $ 359,285 $ 124,000
Carteret, North Carolina 7 $ 1,855,000 $ 265,000 $ 131,000
Catawba, North Carolina 7 $ 2,065,000 $ 295,000 $ 207,000
Orange, North Carolina 7 $ 2,665,000 $ 380,714 $ 166,000
Delaware, Ohio 7 $ 3,505,000 $ 500,714 $ 164,000
Wagoner, Oklahoma 7 $ 2,585,000 $ 369,285 $ 103,000
Lehigh, Pennsylvania 7 $ 2,325,000 $ 332,142 $ 319,000
Lancaster, South Carolina 7 $ 2,825,000 $ 403,571 $ 124,000
Blount, Tennessee 7 $ 3,055,000 $ 436,428 $ 157,000
Wichita, Texas 7 $ 2,195,000 $ 313,571 $ 109,000
Henrico, Virginia 7 $ 2,125,000 $ 303,571 $ 119,000
Norfolk, Virginia 7 $ 2,265,000 $ 323,571 $ 135,000
Spotsylvania, Virginia 7 $ 2,365,000 $ 337,857 $ 107,000
Mason, Washington 7 $ 2,755,000 $ 393,571 $ 173,000
Waukesha, Wisconsin 7 $ 2,785,000 $ 397,857 $ 143,000
Laramie, Wyoming 7 $ 2,025,000 $ 289,285 $ 106,000
Shelby, Alabama 6 $ 2,020,000 $ 336,666 $ 161,000
Fairbanks North Star, Alaska 6 $ 2,030,000 $ 338,333 $ 104,000
Yuma, Arizona 6 $ 1,440,000 $ 240,000 $ 95,000
Saline, Arkansas 6 $ 2,310,000 $ 385,000 $ 170,000
Monterey, California 6 $ 2,550,000 $ 425,000 $ 220,000
San Luis Obispo, California 6 $ 2,630,000 $ 438,333 $ 91,000
Tulare, California 6 $ 1,820,000 $ 303,333 $ 80,000
Broomfield, Colorado 6 $ 2,840,000 $ 473,333 $ 157,000
Tolland, Connecticut 6 $ 1,930,000 $ 321,666 $ 126,000
Sussex, Delaware 6 $ 2,520,000 $ 420,000 $ 173,000
Indian River, Florida 6 $ 1,550,000 $ 258,333 $ 209,000
Leon, Florida 6 $ 1,080,000 $ 180,000 $ 131,000
Bartow, Georgia 6 $ 1,400,000 $ 233,333 $ 72,000
Carroll, Georgia 6 $ 1,200,000 $ 200,000 $ 50,000
Douglas, Georgia 6 $ 1,920,000 $ 320,000 $ 104,000
Hendricks, Indiana 6 $ 1,680,000 $ 280,000 $ 85,000
Livingston, Michigan 6 $ 1,540,000 $ 256,666 $ 146,000
Buchanan, Missouri 6 $ 1,560,000 $ 260,000 $ 103,000
Cheshire, New Hampshire 6 $ 2,090,000 $ 348,333 $ 136,000
Hunterdon, New Jersey 6 $ 2,550,000 $ 425,000 $ 182,000
Dona Ana, New Mexico 6 $ 2,560,000 $ 426,666 $ 169,000
Santa Fe, New Mexico 6 $ 3,060,000 $ 510,000 $ 240,000
Monroe, New York 6 $ 2,310,000 $ 385,000 $ 129,000
Davidson, North Carolina 6 $ 1,640,000 $ 273,333 $ 66,000
Wayne, North Carolina 6 $ 1,650,000 $ 275,000 $ 86,000
Burleigh, North Dakota 6 $ 1,940,000 $ 323,333 $ 104,000
Greene, Ohio 6 $ 1,660,000 $ 276,666 $ 131,000
Warren, Ohio 6 $ 2,260,000 $ 376,666 $ 135,000
Rogers, Oklahoma 6 $ 2,510,000 $ 418,333 $ 141,000
Jackson, Oregon 6 $ 1,900,000 $ 316,666 $ 148,000
Northampton, Pennsylvania 6 $ 2,920,000 $ 486,666 $ 143,000
Washington, Rhode Island 6 $ 3,420,000 $ 570,000 $ 153,000
Anderson, South Carolina 6 $ 1,210,000 $ 201,666 $ 54,000
Jasper, South Carolina 6 $ 1,830,000 $ 305,000 $ 131,000
Sumter, South Carolina 6 $ 1,550,000 $ 258,333 $ 141,000
Rutherford, Tennessee 6 $ 2,080,000 $ 346,666 $ 129,000
Randall, Texas 6 $ 1,610,000 $ 268,333 $ 128,000
Hampton, Virginia 6 $ 1,380,000 $ 230,000 $ 103,000
Skagit, Washington 6 $ 2,190,000 $ 365,000 $ 255,000
Dane, Wisconsin 6 $ 2,900,000 $ 483,333 $ 250,000
Washington, Wisconsin 6 $ 1,700,000 $ 283,333 $ 87,000
Cochise, Arizona 5 $ 675,000 $ 135,000 $ 111,000
San Joaquin, California 5 $ 2,095,000 $ 419,000 $ 84,000
Santa Barbara, California 5 $ 1,825,000 $ 365,000 $ 106,000
Santa Cruz, California 5 $ 2,475,000 $ 495,000 $ 223,000
Stanislaus, California 5 $ 2,295,000 $ 459,000 $ 98,000
Elbert, Colorado 5 $ 2,295,000 $ 459,000 $ 139,000
Middlesex, Connecticut 5 $ 1,575,000 $ 315,000 $ 147,000
Barrow, Georgia 5 $ 1,405,000 $ 281,000 $ 87,000
Effingham, Georgia 5 $ 1,395,000 $ 279,000 $ 94,000
Glynn, Georgia 5 $ 1,645,000 $ 329,000 $ 118,000
Spalding, Georgia 5 $ 1,965,000 $ 393,000 $ 220,000
Champaign, Illinois 5 $ 855,000 $ 171,000 $ 106,000
Williamson, Illinois 5 $ 1,055,000 $ 211,000 $ 100,000
Elkhart, Indiana 5 $ 955,000 $ 191,000 $ 71,000
Howard, Indiana 5 $ 645,000 $ 129,000 $ 65,000
Vanderburgh, Indiana 5 $ 725,000 $ 145,000 $ 62,000
Franklin, Kansas 5 $ 1,215,000 $ 243,000 $ 85,000
Bullitt, Kentucky 5 $ 1,155,000 $ 231,000 $ 92,000
York, Maine 5 $ 1,795,000 $ 359,000 $ 112,000
Berrien, Michigan 5 $ 1,575,000 $ 315,000 $ 176,000
Kalamazoo, Michigan 5 $ 1,735,000 $ 347,000 $ 128,000
Macomb, Michigan 5 $ 1,145,000 $ 229,000 $ 102,000
Ottawa, Michigan 5 $ 1,465,000 $ 293,000 $ 97,000
Dakota, Minnesota 5 $ 1,715,000 $ 343,000 $ 142,000
Lauderdale, Mississippi 5 $ 955,000 $ 191,000 $ 101,000
Camden, Missouri 5 $ 1,585,000 $ 317,000 $ 297,000
Warren, Missouri 5 $ 2,005,000 $ 401,000 $ 130,000
Flathead, Montana 5 $ 2,865,000 $ 573,000 $ 94,000
Missoula, Montana 5 $ 2,535,000 $ 507,000 $ 176,000
Yellowstone, Montana 5 $ 1,895,000 $ 379,000 $ 72,000
Strafford, New Hampshire 5 $ 1,915,000 $ 383,000 $ 127,000
Gloucester, New Jersey 5 $ 1,455,000 $ 291,000 $ 126,000
Butler, Ohio 5 $ 1,415,000 $ 283,000 $ 133,000
Mahoning, Ohio 5 $ 945,000 $ 189,000 $ 75,000
Pickaway, Ohio 5 $ 955,000 $ 191,000 $ 43,000
Stark, Ohio 5 $ 1,135,000 $ 227,000 $ 79,000
Yamhill, Oregon 5 $ 2,725,000 $ 545,000 $ 141,000
Beaver, Pennsylvania 5 $ 1,295,000 $ 259,000 $ 204,000
Monroe, Pennsylvania 5 $ 1,485,000 $ 297,000 $ 155,000
Kent, Rhode Island 5 $ 1,985,000 $ 397,000 $ 165,000
Pickens, South Carolina 5 $ 1,195,000 $ 239,000 $ 166,000
Cameron, Texas 5 $ 1,295,000 $ 259,000 $ 110,000
Gregg, Texas 5 $ 1,415,000 $ 283,000 $ 93,000
Hood, Texas 5 $ 1,265,000 $ 253,000 $ 86,000
Albemarle, Virginia 5 $ 1,975,000 $ 395,000 $ 106,000
James City, Virginia 5 $ 2,025,000 $ 405,000 $ 135,000
Benton, Washington 5 $ 1,895,000 $ 379,000 $ 114,000
Cowlitz, Washington 5 $ 1,795,000 $ 359,000 $ 95,000
Island, Washington 5 $ 1,945,000 $ 389,000 $ 99,000
Jefferson, West Virginia 5 $ 1,775,000 $ 355,000 $ 98,000
Walworth, Wisconsin 5 $ 2,615,000 $ 523,000 $ 325,000
Houston, Alabama 4 $ 1,130,000 $ 282,500 $ 115,000
Lee, Alabama 4 $ 980,000 $ 245,000 $ 92,000
Limestone, Alabama 4 $ 1,830,000 $ 457,500 $ 170,000
Coconino, Arizona 4 $ 1,720,000 $ 430,000 $ 107,000
Faulkner, Arkansas 4 $ 810,000 $ 202,500 $ 97,000
Garland, Arkansas 4 $ 810,000 $ 202,500 $ 97,000
Lonoke, Arkansas 4 $ 870,000 $ 217,500 $ 74,000
San Francisco, California 4 $ 2,770,000 $ 692,500 $ 241,000
Mesa, Colorado 4 $ 1,060,000 $ 265,000 $ 71,000
Teller, Colorado 4 $ 1,420,000 $ 355,000 $ 199,000
Gulf, Florida 4 $ 1,840,000 $ 460,000 $ 278,000
Jackson, Georgia 4 $ 1,640,000 $ 410,000 $ 133,000
Lanier, Georgia 4 $ 860,000 $ 215,000 $ 84,000
Long, Georgia 4 $ 1,170,000 $ 292,500 $ 98,000
Muscogee, Georgia 4 $ 750,000 $ 187,500 $ 116,000
Newton, Georgia 4 $ 1,280,000 $ 320,000 $ 85,000
Walker, Georgia 4 $ 960,000 $ 240,000 $ 87,000
Elmore, Idaho 4 $ 1,450,000 $ 362,500 $ 84,000
Madison, Illinois 4 $ 890,000 $ 222,500 $ 102,000
Boone, Indiana 4 $ 1,440,000 $ 360,000 $ 199,000
Clinton, Iowa 4 $ 380,000 $ 95,000 $ 75,000
Butler, Kansas 4 $ 1,320,000 $ 330,000 $ 136,000
Crawford, Kansas 4 $ 870,000 $ 217,500 $ 121,000
Geary, Kansas 4 $ 610,000 $ 152,500 $ 50,000
Fayette, Kentucky 4 $ 1,290,000 $ 322,500 $ 140,000
St. Mary's, Maryland 4 $ 1,820,000 $ 455,000 $ 146,000
Hampshire, Massachusetts 4 $ 1,860,000 $ 465,000 $ 185,000
Monroe, Michigan 4 $ 870,000 $ 217,500 $ 109,000
Goodhue, Minnesota 4 $ 2,880,000 $ 720,000 $ 209,000
DeSoto, Mississippi 4 $ 970,000 $ 242,500 $ 69,000
Rankin, Mississippi 4 $ 720,000 $ 180,000 $ 51,000
Clinton, Missouri 4 $ 990,000 $ 247,500 $ 52,000
Henry, Missouri 4 $ 680,000 $ 170,000 $ 111,000
Jefferson, Missouri 4 $ 1,640,000 $ 410,000 $ 221,000
Pettis, Missouri 4 $ 860,000 $ 215,000 $ 67,000
Lewis and Clark, Montana 4 $ 1,010,000 $ 252,500 $ 86,000
Douglas, Nevada 4 $ 1,490,000 $ 372,500 $ 95,000
Elko, Nevada 4 $ 930,000 $ 232,500 $ 110,000
Grafton, New Hampshire 4 $ 1,460,000 $ 365,000 $ 156,000
Chautauqua, New York 4 $ 1,040,000 $ 260,000 $ 95,000
Clinton, New York 4 $ 1,610,000 $ 402,500 $ 144,000
Jefferson, New York 4 $ 1,330,000 $ 332,500 $ 139,000
Otsego, New York 4 $ 630,000 $ 157,500 $ 74,000
Ulster, New York 4 $ 1,340,000 $ 335,000 $ 161,000
Caldwell, North Carolina 4 $ 1,220,000 $ 305,000 $ 108,000
Chatham, North Carolina 4 $ 2,190,000 $ 547,500 $ 199,000
Currituck, North Carolina 4 $ 2,030,000 $ 507,500 $ 158,000
Henderson, North Carolina 4 $ 1,130,000 $ 282,500 $ 85,000
Macon, North Carolina 4 $ 780,000 $ 195,000 $ 130,000
Rowan, North Carolina 4 $ 1,050,000 $ 262,500 $ 115,000
Watauga, North Carolina 4 $ 1,330,000 $ 332,500 $ 155,000
Clark, Ohio 4 $ 600,000 $ 150,000 $ 53,000
Trumbull, Ohio 4 $ 590,000 $ 147,500 $ 95,000
Jackson, Oklahoma 4 $ 1,070,000 $ 267,500 $ 114,000
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Mortgage Loan Application Detail Totals for NBKC Bank in 2023

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 13,301 $5,497,695,000 $413,000 $3,005,000 $149,000 $1,953,000
Cash-out Refinancing 1,538 $369,880,000 $240,000 $1,605,000 $116,000 $858,000
Refinancing 708 $229,160,000 $323,000 $3,005,000 $82,000 $1,141,000
Home Improvement 69 $10,805,000 $156,000 $1,505,000 $111,000 $324,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 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 9,273 $3,504,915,000 $377,000 $3,005,000 $141,000 $1,953,000
Not Provided 1,968 $813,990,000 $413,000 $2,405,000 $154,000 $1,382,000
Hispanic 1,563 $574,165,000 $367,000 $3,005,000 $126,000 $884,000
Asian 1,545 $720,305,000 $466,000 $2,005,000 $161,000 $1,870,000
Black or African American 986 $347,270,000 $352,000 $1,265,000 $119,000 $598,000
Not applicable 14 $9,300,000 $664,000 $2,135,000 $0 $0
Native Hawaiian or Other Pacific Islander 8 $2,970,000 $371,000 $705,000 $159,000 $329,000
American Indian or Alaskan Native 4 $2,180,000 $545,000 $935,000 $159,000 $248,000

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) 11,296 $4,355,750,000 $385,000 $3,005,000 $149,000 $1,953,000
VA-guaranteed (Veterans Administration) 2,731 $1,238,155,000 $453,000 $2,075,000 $137,000 $884,000
FHA-insured (Federal Housing Administration) 1,589 $513,635,000 $323,000 $1,175,000 $105,000 $478,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 5,905 $2,242,085,000 $379,000 $2,135,000 $153,000 $1,953,000
Preapproval Approved but not Accepted 4,994 $2,137,870,000 $428,000 $2,075,000 $144,000 $990,000
Application Withdrawn By Applicant 2,761 $1,111,435,000 $402,000 $1,505,000 $160,000 $1,870,000
Application Denied By Financial Institution 968 $306,620,000 $316,000 $2,405,000 $111,000 $731,000
File Closed For Incompleteness 529 $129,275,000 $244,000 $3,005,000 $2,000 $318,000
Preapproval Denied by Financial Institution 385 $153,735,000 $399,000 $3,005,000 $100,000 $711,000
Application Approved But Not Accepted 45 $16,615,000 $369,000 $725,000 $159,000 $625,000
Loan Purchased By The Institution 29 $9,905,000 $341,000 $645,000 $109,000 $379,000

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
Not applicable 14,263 $5,647,185,000 $395,000 $3,005,000 $145,000 $1,953,000
Debt-To-Income Ratio 468 $162,200,000 $346,000 $3,005,000 $81,000 $509,000
Unverifiable Information 404 $155,780,000 $385,000 $2,405,000 $131,000 $670,000
Credit History 265 $65,855,000 $248,000 $2,005,000 $96,000 $711,000
Collateral 151 $50,385,000 $333,000 $1,105,000 $140,000 $731,000
Employment History 51 $20,695,000 $405,000 $1,135,000 $117,000 $450,000
Other 9 $2,735,000 $303,000 $445,000 $130,000 $358,000
Insufficient Cash (Downpayment, Closing Cost) 5 $2,705,000 $541,000 $865,000 $203,000 $400,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into NBKC Bank's 2023 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 NBKC 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.
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