NBKC Bank Mortgage Lending & HMDA Data, 2021

In 2021, NBKC Bank of Kansas City, MO reported 32,265 mortgage applications totaling $11.8 billion, down 18% from 2020. The average application was for $364,509, and applicants reported an average income of $122,445. 57% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Kansas City, MO-KS (1,610), Washington-Arlington-Alexandria, DC-VA-MD-WV (910) and Seattle-Bellevue-Everett, WA (809) (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 32,265
Total Mortgage Loan Application Amount $11,760,895,000
Average Mortgage Loan Application Amount $364,509
Highest Mortgage Loan Application Amount $4,055,000
Average Applicant Income $122,445
Highest Applicant Income $4,020,000

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Disclosure Act (HMDA) records NBKC Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2021

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 1,904 $ 605,920,000 $ 318,235 $ 119,228
Kansas City, MO-KS 1,610 $ 467,380,000 $ 290,298 $ 125,357
Washington-Arlington-Alexandria, DC-VA-MD-WV 910 $ 402,670,000 $ 442,494 $ 134,181
Seattle-Bellevue-Everett, WA 809 $ 351,405,000 $ 434,369 $ 132,000
Atlanta-Sandy Springs-Roswell, GA 756 $ 258,770,000 $ 342,288 $ 122,000
Phoenix-Mesa-Scottsdale, AZ 706 $ 242,030,000 $ 342,818 $ 114,000
Las Vegas-Henderson-Paradise, NV 703 $ 237,175,000 $ 337,375 $ 117,000
Los Angeles-Long Beach-Glendale, CA 635 $ 289,725,000 $ 456,259 $ 118,000
Portland-Vancouver-Hillsboro, OR-WA 593 $ 218,395,000 $ 368,288 $ 114,785
Houston-The Woodlands-Sugar Land, TX 589 $ 179,865,000 $ 305,373 $ 127,000
Dallas-Plano-Irving, TX 522 $ 177,260,000 $ 339,578 $ 127,000
San Diego-Carlsbad, CA 504 $ 234,960,000 $ 466,190 $ 129,000
Riverside-San Bernardino-Ontario, CA 499 $ 183,245,000 $ 367,224 $ 111,000
Denver-Aurora-Lakewood, CO 485 $ 194,455,000 $ 400,938 $ 120,000
Minneapolis-St. Paul-Bloomington, MN-WI 480 $ 157,860,000 $ 328,875 $ 122,568
New York-Jersey City-White Plains, NY-NJ 468 $ 196,640,000 $ 420,170 $ 128,769
Austin-Round Rock, TX 376 $ 133,410,000 $ 354,813 $ 127,000
Sacramento--Roseville--Arden-Arcade, CA 369 $ 140,275,000 $ 380,149 $ 120,000
Oakland-Hayward-Berkeley, CA 343 $ 169,355,000 $ 493,746 $ 131,000
Anaheim-Santa Ana-Irvine, CA 335 $ 172,775,000 $ 515,746 $ 136,000
New York-Newark, NY 329 $ 117,815,000 $ 358,100 $ 131,191
Charlotte-Concord-Gastonia, NC-SC 324 $ 105,650,000 $ 326,080 $ 116,234
Chicago-Naperville, IL 320 $ 109,860,000 $ 343,312 $ 130,000
Urban Honolulu, HI 320 $ 172,720,000 $ 539,750 $ 136,000
San Antonio-New Braunfels, TX 314 $ 105,080,000 $ 334,649 $ 128,000
Tampa-St. Petersburg-Clearwater, FL 253 $ 79,165,000 $ 312,905 $ 116,000
Bremerton-Silverdale, WA 242 $ 99,270,000 $ 410,206 $ 110,000
Virginia Beach-Norfolk-Newport News, VA-NC 238 $ 83,400,000 $ 350,420 $ 115,495
Tacoma-Lakewood, WA 234 $ 90,720,000 $ 387,692 $ 128,000
Orlando-Kissimmee-Sanford, FL 225 $ 68,805,000 $ 305,800 $ 108,000
Cambridge-Newton-Framingham, MA 220 $ 98,390,000 $ 447,227 $ 141,000
Nashville-Davidson--Murfreesboro--Franklin, TN 216 $ 81,130,000 $ 375,601 $ 121,000
Jacksonville, FL 209 $ 72,155,000 $ 345,239 $ 119,000
Boise City, ID 189 $ 66,655,000 $ 352,671 $ 109,000
Nassau County-Suffolk County, NY 187 $ 78,195,000 $ 418,155 $ 132,000
Reno, NV 186 $ 67,230,000 $ 361,451 $ 116,000
San Jose-Sunnyvale-Santa Clara, CA 185 $ 99,815,000 $ 539,540 $ 144,000
Anchorage, AK 184 $ 71,480,000 $ 388,478 $ 146,000
Newark, NJ-PA 177 $ 67,025,000 $ 378,672 $ 146,807
Raleigh, NC 175 $ 56,225,000 $ 321,285 $ 115,000
Fort Worth-Arlington, TX 174 $ 57,100,000 $ 328,160 $ 130,000
Montgomery County-Bucks County-Chester County, PA 174 $ 62,300,000 $ 358,045 $ 141,000
St. Louis, MO-IL 173 $ 49,445,000 $ 285,809 $ 119,473
Salt Lake City, UT 170 $ 65,190,000 $ 383,470 $ 154,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 163 $ 55,225,000 $ 338,803 $ 124,000
Baltimore-Columbia-Towson, MD 162 $ 63,650,000 $ 392,901 $ 125,000
Boston, MA 161 $ 67,425,000 $ 418,788 $ 142,000
Charleston-North Charleston, SC 158 $ 54,940,000 $ 347,721 $ 109,000
Tucson, AZ 153 $ 42,985,000 $ 280,947 $ 103,000
Warren-Troy-Farmington Hills, MI 143 $ 42,015,000 $ 293,811 $ 107,000
San Francisco-Redwood City-South San Francisco, CA 135 $ 71,885,000 $ 532,481 $ 142,000
West Palm Beach-Boca Raton-Delray Beach, FL 133 $ 45,675,000 $ 343,421 $ 135,000
Washington-Baltimore-Arlington, DC 130 $ 53,610,000 $ 412,384 $ 118,000
Colorado Springs, CO 125 $ 48,865,000 $ 390,920 $ 119,000
Columbus, OH 124 $ 35,170,000 $ 283,629 $ 121,000
Indianapolis-Carmel-Anderson, IN 121 $ 33,585,000 $ 277,561 $ 118,000
Cincinnati, OH-KY-IN 119 $ 35,575,000 $ 298,949 $ 139,386
Miami-Miami Beach-Kendall, FL 119 $ 41,395,000 $ 347,857 $ 122,000
Oklahoma City, OK 113 $ 33,985,000 $ 300,752 $ 113,000
Fresno, CA 107 $ 33,055,000 $ 308,925 $ 117,000
Oxnard-Thousand Oaks-Ventura, CA 107 $ 51,135,000 $ 477,897 $ 155,000
Albuquerque, NM 102 $ 30,560,000 $ 299,607 $ 102,000
Bridgeport-Stamford-Norwalk, CT 99 $ 36,575,000 $ 369,444 $ 133,000
Richmond, VA 97 $ 33,015,000 $ 340,360 $ 104,000
Ogden-Clearfield, UT 91 $ 36,745,000 $ 403,791 $ 124,000
Omaha-Council Bluffs, NE-IA 90 $ 24,010,000 $ 266,777 $ 123,000
Camden, NJ 87 $ 26,415,000 $ 303,620 $ 123,000
Hartford-West Hartford-East Hartford, CT 87 $ 24,725,000 $ 284,195 $ 113,000
Stockton-Lodi, CA 87 $ 31,035,000 $ 356,724 $ 104,000
Philadelphia, PA 85 $ 25,795,000 $ 303,470 $ 129,000
Vallejo-Fairfield, CA 85 $ 36,085,000 $ 424,529 $ 111,000
North Port-Sarasota-Bradenton, FL 82 $ 28,950,000 $ 353,048 $ 122,000
Kahului-Wailuku-Lahaina, HI 80 $ 36,220,000 $ 452,750 $ 125,000
Spokane-Spokane Valley, WA 80 $ 24,460,000 $ 305,750 $ 100,000
Crestview-Fort Walton Beach-Destin, FL 79 $ 29,065,000 $ 367,911 $ 112,000
Olympia-Tumwater, WA 79 $ 28,405,000 $ 359,556 $ 101,000
Cape Coral-Fort Myers, FL 78 $ 23,870,000 $ 306,025 $ 111,000
Greenville-Anderson-Mauldin, SC 78 $ 20,550,000 $ 263,461 $ 103,000
Provo-Orem, UT 78 $ 31,350,000 $ 401,923 $ 115,000
Memphis, TN-MS-AR 74 $ 22,400,000 $ 302,702 $ 107,621
Tulsa, OK 73 $ 22,015,000 $ 301,575 $ 131,000
Durham-Chapel Hill, NC 70 $ 22,110,000 $ 315,857 $ 132,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 70 $ 20,810,000 $ 297,285 $ 121,485
Providence-Warwick, RI-MA 70 $ 22,800,000 $ 325,714 $ 113,842
Pittsburgh, PA 68 $ 19,330,000 $ 284,264 $ 112,000
Louisville/Jefferson County, KY-IN 67 $ 23,305,000 $ 347,835 $ 124,283
Milwaukee-Waukesha-West Allis, WI 67 $ 20,165,000 $ 300,970 $ 102,000
Fort Collins, CO 66 $ 24,530,000 $ 371,666 $ 116,000
Pensacola-Ferry Pass-Brent, FL 66 $ 22,150,000 $ 335,606 $ 107,000
Wilmington, DE-MD-NJ 66 $ 20,350,000 $ 308,333 $ 108,287
Lake County-Kenosha County, IL-WI 65 $ 21,825,000 $ 335,769 $ 121,646
Modesto, CA 65 $ 22,045,000 $ 339,153 $ 108,000
Cleveland-Elyria, OH 63 $ 15,615,000 $ 247,857 $ 152,000
Salem, OR 63 $ 22,225,000 $ 352,777 $ 114,000
Knoxville, TN 61 $ 18,225,000 $ 298,770 $ 114,000
Naples-Immokalee-Marco Island, FL 61 $ 20,895,000 $ 342,540 $ 137,000
Wichita, KS 61 $ 14,765,000 $ 242,049 $ 96,000
New Haven-Milford, CT 58 $ 15,950,000 $ 275,000 $ 135,000
Dayton-Springfield-Kettering, OH 57 $ 16,965,000 $ 297,631 $ 126,000
Bakersfield, CA 56 $ 18,970,000 $ 338,750 $ 114,000
Birmingham-Hoover, AL 54 $ 14,470,000 $ 267,962 $ 99,000
Rockingham County-Strafford County, NH 54 $ 19,370,000 $ 358,703 $ 141,000
Bend-Redmond, OR 51 $ 19,675,000 $ 385,784 $ 130,000
Kennewick-Richland, WA 51 $ 16,985,000 $ 333,039 $ 108,000
Manchester-Nashua, NH 49 $ 16,375,000 $ 334,183 $ 131,000
Detroit-Dearborn-Livonia, MI 48 $ 11,780,000 $ 245,416 $ 90,000
New Orleans-Metairie, LA 48 $ 15,010,000 $ 312,708 $ 100,000
Santa Rosa, CA 48 $ 19,830,000 $ 413,125 $ 124,000
Salinas, CA 47 $ 20,925,000 $ 445,212 $ 138,000
Worcester, MA-CT 47 $ 14,465,000 $ 307,765 $ 96,787
Bellingham, WA 45 $ 17,045,000 $ 378,777 $ 118,000
Augusta-Richmond County, GA-SC 44 $ 12,540,000 $ 285,000 $ 122,136
Huntsville, AL 43 $ 14,285,000 $ 332,209 $ 122,000
Prescott Valley-Prescott, AZ 42 $ 12,250,000 $ 291,666 $ 103,000
Asheville, NC 41 $ 13,615,000 $ 332,073 $ 122,000
Fayetteville-Springdale-Rogers, AR-MO 39 $ 11,885,000 $ 304,743 $ 137,000
Medford, OR 39 $ 12,045,000 $ 308,846 $ 73,000
Palm Bay-Melbourne-Titusville, FL 39 $ 12,805,000 $ 328,333 $ 104,000
Santa Maria-Santa Barbara, CA 39 $ 17,245,000 $ 442,179 $ 106,000
Allentown-Bethlehem-Easton, PA-NJ 38 $ 11,150,000 $ 293,421 $ 147,736
Boulder, CO 38 $ 16,530,000 $ 435,000 $ 143,000
Columbia, SC 38 $ 11,110,000 $ 292,368 $ 114,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 38 $ 14,720,000 $ 387,368 $ 121,000
Ann Arbor, MI 37 $ 12,375,000 $ 334,459 $ 115,000
Charlottesville, VA 37 $ 14,405,000 $ 389,324 $ 132,000
Eugene, OR 37 $ 11,535,000 $ 311,756 $ 95,000
Portland-South Portland, ME 37 $ 12,225,000 $ 330,405 $ 116,000
Tallahassee, FL 36 $ 9,710,000 $ 269,722 $ 89,000
Trenton, NJ 36 $ 12,820,000 $ 356,111 $ 150,000
Santa Fe, NM 35 $ 11,225,000 $ 320,714 $ 94,000
Chattanooga, TN-GA 34 $ 9,500,000 $ 279,411 $ 124,029
Deltona-Daytona Beach-Ormond Beach, FL 34 $ 9,020,000 $ 265,294 $ 97,000
Elgin, IL 33 $ 8,875,000 $ 268,939 $ 98,000
Grand Rapids-Wyoming, MI 33 $ 8,835,000 $ 267,727 $ 139,000
Santa Cruz-Watsonville, CA 33 $ 15,575,000 $ 471,969 $ 136,000
Valdosta, GA 33 $ 7,535,000 $ 228,333 $ 68,000
Gulfport-Biloxi-Pascagoula, MS 32 $ 8,350,000 $ 260,937 $ 112,000
Salisbury, MD-DE 32 $ 11,520,000 $ 360,000 $ 125,718
Dover, DE 31 $ 8,525,000 $ 275,000 $ 104,000
Gary, IN 31 $ 8,075,000 $ 260,483 $ 94,000
Hilton Head Island-Bluffton-Beaufort, SC 31 $ 11,075,000 $ 357,258 $ 112,000
Warner Robins, GA 31 $ 7,515,000 $ 242,419 $ 103,000
Burlington-South Burlington, VT 29 $ 9,695,000 $ 334,310 $ 111,000
Coeur D'Alene, ID 29 $ 10,995,000 $ 379,137 $ 98,000
Greensboro-High Point, NC 29 $ 8,175,000 $ 281,896 $ 112,000
Port St. Lucie, FL 29 $ 9,645,000 $ 332,586 $ 128,000
Visalia-Porterville, CA 29 $ 7,555,000 $ 260,517 $ 106,000
Albany-Schenectady-Troy, NY 28 $ 7,540,000 $ 269,285 $ 97,000
Enid, OK 28 $ 7,300,000 $ 260,714 $ 103,000
Springfield, MA 28 $ 8,020,000 $ 286,428 $ 91,000
Baton Rouge, LA 27 $ 7,655,000 $ 283,518 $ 98,000
Killeen-Temple, TX 27 $ 5,715,000 $ 211,666 $ 95,000
San Rafael, CA 27 $ 15,095,000 $ 559,074 $ 163,000
St. George, UT 27 $ 8,415,000 $ 311,666 $ 110,000
Wilmington, NC 27 $ 8,875,000 $ 328,703 $ 133,000
El Paso, TX 26 $ 5,960,000 $ 229,230 $ 111,000
Little Rock-North Little Rock-Conway, AR 26 $ 6,470,000 $ 248,846 $ 115,000
Manhattan, KS 26 $ 5,820,000 $ 223,846 $ 82,000
Winston-Salem, NC 26 $ 6,810,000 $ 261,923 $ 108,000
Clarksville, TN-KY 25 $ 8,325,000 $ 333,000 $ 108,400
Greeley, CO 25 $ 9,635,000 $ 385,400 $ 84,000
Idaho Falls, ID 25 $ 8,165,000 $ 326,600 $ 99,000
Madison, WI 25 $ 8,555,000 $ 342,200 $ 103,000
Mount Vernon-Anacortes, WA 25 $ 9,645,000 $ 385,800 $ 118,000
Gainesville, GA 24 $ 7,800,000 $ 325,000 $ 127,000
Lakeland-Winter Haven, FL 24 $ 6,560,000 $ 273,333 $ 100,000
Lancaster, PA 24 $ 6,860,000 $ 285,833 $ 86,000
Mobile, AL 24 $ 6,300,000 $ 262,500 $ 114,000
Panama City, FL 24 $ 7,370,000 $ 307,083 $ 120,000
Barnstable Town, MA 23 $ 8,425,000 $ 366,304 $ 177,000
Lexington-Fayette, KY 23 $ 6,375,000 $ 277,173 $ 88,000
Montgomery, AL 23 $ 6,045,000 $ 262,826 $ 130,000
Toledo, OH 23 $ 6,375,000 $ 277,173 $ 102,000
Akron, OH 22 $ 5,740,000 $ 260,909 $ 97,000
Des Moines-West Des Moines, IA 22 $ 5,730,000 $ 260,454 $ 65,000
Buffalo-Cheektowaga-Niagara Falls, NY 21 $ 4,945,000 $ 235,476 $ 109,000
Rochester, NY 21 $ 5,825,000 $ 277,380 $ 132,000
Spartanburg, SC 21 $ 6,245,000 $ 297,380 $ 102,000
Chico, CA 20 $ 6,120,000 $ 306,000 $ 111,000
Lincoln, NE 20 $ 5,330,000 $ 266,500 $ 102,000
Punta Gorda, FL 20 $ 6,730,000 $ 336,500 $ 129,000
Savannah, GA 20 $ 5,930,000 $ 296,500 $ 99,000
Albany, OR 19 $ 5,305,000 $ 279,210 $ 101,000
Harrisburg-Carlisle, PA 19 $ 5,585,000 $ 293,947 $ 120,000
Rochester, MN 19 $ 6,105,000 $ 321,315 $ 108,000
Springfield, MO 19 $ 5,185,000 $ 272,894 $ 92,000
Topeka, KS 19 $ 4,385,000 $ 230,789 $ 104,000
Brownsville-Harlingen, TX 18 $ 4,160,000 $ 231,111 $ 124,000
Carson City, NV 18 $ 6,560,000 $ 364,444 $ 161,000
Cheyenne, WY 18 $ 6,060,000 $ 336,666 $ 85,000
Daphne-Fairhope-Foley, AL 18 $ 6,040,000 $ 335,555 $ 130,000
Fayetteville, NC 18 $ 5,240,000 $ 291,111 $ 126,000
Hagerstown-Martinsburg, MD-WV 18 $ 4,470,000 $ 248,333 $ 56,000
Merced, CA 18 $ 4,820,000 $ 267,777 $ 87,000
Columbia, MO 17 $ 5,315,000 $ 312,647 $ 129,000
Napa, CA 17 $ 7,325,000 $ 430,882 $ 157,000
Ocala, FL 17 $ 4,695,000 $ 276,176 $ 71,000
Abilene, TX 16 $ 4,680,000 $ 292,500 $ 90,000
Corvallis, OR 16 $ 5,850,000 $ 365,625 $ 115,000
El Centro, CA 16 $ 4,210,000 $ 263,125 $ 92,000
Lawrence, KS 16 $ 4,410,000 $ 275,625 $ 104,000
Madera, CA 16 $ 5,730,000 $ 358,125 $ 113,000
Syracuse, NY 16 $ 4,890,000 $ 305,625 $ 113,000
Fargo, ND-MN 15 $ 3,065,000 $ 204,333 $ 67,200
Lafayette, LA 15 $ 4,265,000 $ 284,333 $ 124,000
Billings, MT 14 $ 4,520,000 $ 322,857 $ 124,000
Fairbanks, AK 14 $ 4,490,000 $ 320,714 $ 90,000
Flagstaff, AZ 14 $ 5,540,000 $ 395,714 $ 214,000
Hickory-Lenoir-Morganton, NC 14 $ 4,400,000 $ 314,285 $ 136,000
Jackson, MS 14 $ 3,130,000 $ 223,571 $ 93,000
Jacksonville, NC 14 $ 4,410,000 $ 315,000 $ 119,000
Lansing-East Lansing, MI 14 $ 4,120,000 $ 294,285 $ 126,000
Winchester, VA-WV 14 $ 4,490,000 $ 320,714 $ 100,571
Yakima, WA 14 $ 4,490,000 $ 320,714 $ 157,000
Yuba City, CA 14 $ 4,980,000 $ 355,714 $ 108,000
Canton-Massillon, OH 13 $ 3,615,000 $ 278,076 $ 99,000
Columbus, GA-AL 13 $ 3,405,000 $ 261,923 $ 106,769
Missoula, MT 13 $ 3,845,000 $ 295,769 $ 73,000
South Bend-Mishawaka, IN-MI 13 $ 3,835,000 $ 295,000 $ 154,769
Wenatchee, WA 13 $ 4,335,000 $ 333,461 $ 93,000
Atlantic City-Hammonton, NJ 12 $ 3,310,000 $ 275,833 $ 105,000
Redding, CA 12 $ 3,230,000 $ 269,166 $ 41,000
Sumter, SC 12 $ 2,870,000 $ 239,166 $ 62,000
Auburn-Opelika, AL 11 $ 2,795,000 $ 254,090 $ 102,000
Bowling Green, KY 11 $ 2,965,000 $ 269,545 $ 97,000
College Station-Bryan, TX 11 $ 2,305,000 $ 209,545 $ 119,000
Grand Junction, CO 11 $ 3,895,000 $ 354,090 $ 143,000
Norwich-New London, CT 11 $ 3,125,000 $ 284,090 $ 118,000
Reading, PA 11 $ 2,675,000 $ 243,181 $ 150,000
Sebastian-Vero Beach, FL 11 $ 3,755,000 $ 341,363 $ 279,000
Shreveport-Bossier City, LA 11 $ 3,685,000 $ 335,000 $ 156,000
St. Joseph, MO-KS 11 $ 2,425,000 $ 220,454 $ 80,000
Flint, MI 10 $ 1,220,000 $ 122,000 $ 59,000
Joplin, MO 10 $ 2,180,000 $ 218,000 $ 92,000
Lake Havasu City-Kingman, AZ 10 $ 2,930,000 $ 293,000 $ 113,000
Lynchburg, VA 10 $ 2,610,000 $ 261,000 $ 109,000
Roanoke, VA 10 $ 2,960,000 $ 296,000 $ 61,000
Staunton-Waynesboro, VA 10 $ 2,900,000 $ 290,000 $ 95,000
The Villages, FL 10 $ 2,820,000 $ 282,000 $ 95,000
Amarillo, TX 9 $ 2,785,000 $ 309,444 $ 113,000
Beaumont-Port Arthur, TX 9 $ 1,825,000 $ 202,777 $ 109,000
Davenport-Moline-Rock Island, IA-IL 9 $ 2,765,000 $ 307,222 $ 133,444
Johnson City, TN 9 $ 1,875,000 $ 208,333 $ 116,000
Kingston, NY 9 $ 3,375,000 $ 375,000 $ 96,000
Midland, TX 9 $ 3,905,000 $ 433,888 $ 198,000
New Bern, NC 9 $ 2,345,000 $ 260,555 $ 77,000
Pocatello, ID 9 $ 1,865,000 $ 207,222 $ 65,000
Sierra Vista-Douglas, AZ 9 $ 1,975,000 $ 219,444 $ 72,000
Walla Walla, WA 9 $ 3,005,000 $ 333,888 $ 115,000
Appleton, WI 8 $ 1,790,000 $ 223,750 $ 83,000
Brunswick, GA 8 $ 2,210,000 $ 276,250 $ 109,000
Corpus Christi, TX 8 $ 2,430,000 $ 303,750 $ 137,000
Duluth, MN-WI 8 $ 2,220,000 $ 277,500 $ 150,750
Gainesville, FL 8 $ 2,550,000 $ 318,750 $ 177,000
Harrisonburg, VA 8 $ 2,570,000 $ 321,250 $ 139,000
Hot Springs, AR 8 $ 2,790,000 $ 348,750 $ 97,000
Huntington-Ashland, WV-KY-OH 8 $ 2,160,000 $ 270,000 $ 114,875
Kalamazoo-Portage, MI 8 $ 2,110,000 $ 263,750 $ 118,000
Lake Charles, LA 8 $ 2,020,000 $ 252,500 $ 83,000
McAllen-Edinburg-Mission, TX 8 $ 1,870,000 $ 233,750 $ 139,000
Muskegon, MI 8 $ 2,160,000 $ 270,000 $ 76,000
Ocean City, NJ 8 $ 3,090,000 $ 386,250 $ 207,000
Rapid City, SD 8 $ 2,340,000 $ 292,500 $ 63,000
Athens-Clarke County, GA 7 $ 1,865,000 $ 266,428 $ 85,000
Glens Falls, NY 7 $ 2,395,000 $ 342,142 $ 167,000
Green Bay, WI 7 $ 2,195,000 $ 313,571 $ 267,000
Longview, WA 7 $ 2,275,000 $ 325,000 $ 83,000
Macon-Bibb County, GA 7 $ 1,865,000 $ 266,428 $ 43,000
Pittsfield, MA 7 $ 2,475,000 $ 353,571 $ 122,000
Scranton--Wilkes-Barre--Hazleton, PA 7 $ 1,235,000 $ 176,428 $ 74,000
Twin Falls, ID 7 $ 2,465,000 $ 352,142 $ 127,000
Waco, TX 7 $ 2,195,000 $ 313,571 $ 111,000
Yuma, AZ 7 $ 1,905,000 $ 272,142 $ 126,000
Albany, GA 6 $ 1,280,000 $ 213,333 $ 104,000
Binghamton, NY 6 $ 1,470,000 $ 245,000 $ 90,000
Bloomington, IN 6 $ 1,990,000 $ 331,666 $ 204,000
Decatur, AL 6 $ 1,760,000 $ 293,333 $ 110,000
Fort Wayne, IN 6 $ 1,170,000 $ 195,000 $ 92,000
Homosassa Springs, FL 6 $ 1,640,000 $ 273,333 $ 138,000
Kingsport-Bristol-Bristol, TN-VA 6 $ 2,030,000 $ 338,333 $ 144,500
Lafayette-West Lafayette, IN 6 $ 1,260,000 $ 210,000 $ 63,000
Lubbock, TX 6 $ 2,240,000 $ 373,333 $ 126,000
Monroe, LA 6 $ 1,120,000 $ 186,666 $ 50,000
Monroe, MI 6 $ 1,560,000 $ 260,000 $ 81,000
Rockford, IL 6 $ 1,240,000 $ 206,666 $ 80,000
Springfield, IL 6 $ 1,700,000 $ 283,333 $ 94,000
York-Hanover, PA 6 $ 1,310,000 $ 218,333 $ 109,000
Bangor, ME 5 $ 755,000 $ 151,000 $ 55,000
Burlington, NC 5 $ 1,395,000 $ 279,000 $ 88,000
California-Lexington Park, MD 5 $ 2,405,000 $ 481,000 $ 172,000
East Stroudsburg, PA 5 $ 1,035,000 $ 207,000 $ 47,000
Elizabethtown-Fort Knox, KY 5 $ 1,205,000 $ 241,000 $ 115,000
Great Falls, MT 5 $ 1,375,000 $ 275,000 $ 91,000
Hanford-Corcoran, CA 5 $ 925,000 $ 185,000 $ 73,000
Iowa City, IA 5 $ 1,055,000 $ 211,000 $ 104,000
Lawton, OK 5 $ 1,295,000 $ 259,000 $ 86,000
Peoria, IL 5 $ 1,655,000 $ 331,000 $ 130,000
Pueblo, CO 5 $ 885,000 $ 177,000 $ 44,000
Racine, WI 5 $ 1,565,000 $ 313,000 $ 97,000
Sheboygan, WI 5 $ 975,000 $ 195,000 $ 60,000
Waterloo-Cedar Falls, IA 5 $ 1,505,000 $ 301,000 $ 135,000
Watertown-Fort Drum, NY 5 $ 1,395,000 $ 279,000 $ 221,000
Bismarck, ND 4 $ 1,200,000 $ 300,000 $ 64,000
Charleston, WV 4 $ 1,160,000 $ 290,000 $ 82,000
Dothan, AL 4 $ 900,000 $ 225,000 $ 36,000
Elkhart-Goshen, IN 4 $ 1,140,000 $ 285,000 $ 49,000
Evansville, IN-KY 4 $ 890,000 $ 222,500 $ 75,000
Grand Island, NE 4 $ 790,000 $ 197,500 $ 91,000
Jackson, TN 4 $ 980,000 $ 245,000 $ 48,000
Las Cruces, NM 4 $ 1,180,000 $ 295,000 $ 112,000
Lewiston, ID-WA 4 $ 970,000 $ 242,500 $ 60,000
Owensboro, KY 4 $ 960,000 $ 240,000 $ 67,000
Sherman-Denison, TX 4 $ 730,000 $ 182,500 $ 95,000
Sioux Falls, SD 4 $ 1,420,000 $ 355,000 $ 78,000
Utica-Rome, NY 4 $ 780,000 $ 195,000 $ 99,000
Wichita Falls, TX 4 $ 1,240,000 $ 310,000 $ 117,000
Alexandria, LA 3 $ 345,000 $ 115,000 $ 19,000
Anniston-Oxford-Jacksonville, AL 3 $ 695,000 $ 231,666 $ 75,000
Blacksburg-Christiansburg-Radford, VA 3 $ 1,085,000 $ 361,666 $ 104,000
Bloomsburg-Berwick, PA 3 $ 735,000 $ 245,000 $ 78,000
Carbondale-Marion, IL 3 $ 835,000 $ 278,333 $ 59,000
Dalton, GA 3 $ 585,000 $ 195,000 $ 87,000
Erie, PA 3 $ 965,000 $ 321,666 $ 105,000
Florence-Muscle Shoals, AL 3 $ 905,000 $ 301,666 $ 150,000
Fort Smith, AR-OK 3 $ 705,000 $ 235,000 $ 104,666
Grand Forks, ND-MN 3 $ 1,105,000 $ 368,333 $ 90,000
Greenville, NC 3 $ 745,000 $ 248,333 $ 43,000
Hammond, LA 3 $ 515,000 $ 171,666 $ 32,000
Ithaca, NY 3 $ 965,000 $ 321,666 $ 177,000
Janesville-Beloit, WI 3 $ 885,000 $ 295,000 $ 179,000
La Crosse-Onalaska, WI-MN 3 $ 925,000 $ 308,333 $ 42,000
Lebanon, PA 3 $ 815,000 $ 271,666 $ 103,000
Lewiston-Auburn, ME 3 $ 1,025,000 $ 341,666 $ 204,000
Longview, TX 3 $ 845,000 $ 281,666 $ 146,000
Morristown, TN 3 $ 585,000 $ 195,000 $ 105,000
Muncie, IN 3 $ 525,000 $ 175,000 $ 24,000
Niles-Benton Harbor, MI 3 $ 765,000 $ 255,000 $ 193,000
Oshkosh-Neenah, WI 3 $ 1,105,000 $ 368,333 $ 216,000
State College, PA 3 $ 875,000 $ 291,666 $ 132,000
Tyler, TX 3 $ 875,000 $ 291,666 $ 68,000
Victoria, TX 3 $ 1,075,000 $ 358,333 $ 108,000
Weirton-Steubenville, WV-OH 3 $ 935,000 $ 311,666 $ 60,000
Youngstown-Warren-Boardman, OH-PA 3 $ 635,000 $ 211,666 $ 70,000
Battle Creek, MI 2 $ 240,000 $ 120,000 $ 123,000
Bloomington, IL 2 $ 420,000 $ 210,000 $ 141,000
Casper, WY 2 $ 490,000 $ 245,000 $ 94,000
Cedar Rapids, IA 2 $ 550,000 $ 275,000 $ 137,000
Danville, IL 2 $ 400,000 $ 200,000 $ 102,000
Farmington, NM 2 $ 460,000 $ 230,000 $ 45,000
Gadsden, AL 2 $ 400,000 $ 200,000 $ 85,000
Gettysburg, PA 2 $ 420,000 $ 210,000 $ 0
Goldsboro, NC 2 $ 400,000 $ 200,000 $ 139,000
Grants Pass, OR 2 $ 530,000 $ 265,000 $ 124,000
Hattiesburg, MS 2 $ 520,000 $ 260,000 $ 0
Hinesville, GA 2 $ 360,000 $ 180,000 $ 148,000
Houma-Thibodaux, LA 2 $ 470,000 $ 235,000 $ 42,000
Jackson, MI 2 $ 240,000 $ 120,000 $ 14,000
Kankakee, IL 2 $ 390,000 $ 195,000 $ 129,000
Kokomo, IN 2 $ 480,000 $ 240,000 $ 61,000
Laredo, TX 2 $ 610,000 $ 305,000 $ 123,000
Mankato-North Mankato, MN 2 $ 860,000 $ 430,000 $ 112,000
Morgantown, WV 2 $ 700,000 $ 350,000 $ 108,000
Odessa, TX 2 $ 500,000 $ 250,000 $ 146,000
Pine Bluff, AR 2 $ 740,000 $ 370,000 $ 0
Rocky Mount, NC 2 $ 530,000 $ 265,000 $ 91,000
Springfield, OH 2 $ 820,000 $ 410,000 $ 74,000
Texarkana, TX-AR 2 $ 250,000 $ 125,000 $ 102,500
Tuscaloosa, AL 2 $ 780,000 $ 390,000 $ 202,000
Altoona, PA 1 $ 135,000 $ 135,000 $ 77,000
Chambersburg-Waynesboro, PA 1 $ 365,000 $ 365,000 $ 78,000
Champaign-Urbana, IL 1 $ 545,000 $ 545,000 $ 275,000
Eau Claire, WI 1 $ 155,000 $ 155,000 $ 40,000
Florence, SC 1 $ 145,000 $ 145,000 $ 60,000
Fond Du Lac, WI 1 $ 185,000 $ 185,000 $ 60,000
Logan, UT-ID 1 $ 375,000 $ 375,000 $ 103,000
Mansfield, OH 1 $ 185,000 $ 185,000 $ 102,000
Michigan City-La Porte, IN 1 $ 155,000 $ 155,000 $ 157,000
Parkersburg-Vienna, WV 1 $ 85,000 $ 85,000 $ 0
Rome, GA 1 $ 295,000 $ 295,000 $ 60,000
Saginaw, MI 1 $ 95,000 $ 95,000 $ 38,000
San Angelo, TX 1 $ 405,000 $ 405,000 $ 195,000
Sebring, FL 1 $ 255,000 $ 255,000 $ 127,000
St. Cloud, MN 1 $ 155,000 $ 155,000 $ 58,000
Terre Haute, IN 1 $ 245,000 $ 245,000 $ 0
Wausau, WI 1 $ 185,000 $ 185,000 $ 52,000
Williamsport, PA 1 $ 355,000 $ 355,000 $ 130,000

Mortgage Loan Application Detail Totals for NBKC Bank in 2021

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 13,056 $4,462,560,000 $341,000 $1,465,000 $127,000 $2,550,000
Home Purchase 10,774 $4,338,730,000 $402,000 $4,055,000 $132,000 $1,056,000
Cash-out Refinancing 6,610 $2,395,530,000 $362,000 $1,505,000 $130,000 $1,423,000
Not Applicable 1,743 $540,045,000 $309,000 $3,205,000 $2,000 $4,020,000
Home Improvement 82 $24,030,000 $293,000 $625,000 $93,000 $325,000
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 19,415 $6,937,215,000 $357,000 $3,205,000 $124,000 $4,020,000
Not Provided 4,753 $1,800,965,000 $378,000 $2,105,000 $126,000 $1,767,000
Asian 3,358 $1,344,690,000 $400,000 $1,505,000 $132,000 $1,969,000
Hispanic 2,790 $978,820,000 $350,000 $1,525,000 $109,000 $823,000
Black or African American 1,358 $453,430,000 $333,000 $1,115,000 $107,000 $694,000
Native Hawaiian or Other Pacific Islander 41 $16,805,000 $409,000 $925,000 $128,000 $284,000
American Indian or Alaskan Native 40 $15,330,000 $383,000 $725,000 $125,000 $333,000
Not applicable 17 $13,835,000 $813,000 $4,055,000 $34,000 $34,000

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) 26,351 $9,336,715,000 $354,000 $4,055,000 $123,000 $4,020,000
VA-guaranteed (Veterans Administration) 5,609 $2,335,205,000 $416,000 $1,555,000 $118,000 $823,000
FHA-insured (Federal Housing Administration) 305 $88,975,000 $291,000 $805,000 $87,000 $291,000
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 18,364 $6,644,240,000 $361,000 $4,055,000 $141,000 $2,180,000
Application Withdrawn By Applicant 5,562 $2,008,220,000 $361,000 $1,525,000 $129,000 $4,020,000
Preapproval Approved but not Accepted 3,593 $1,558,095,000 $433,000 $1,605,000 $130,000 $1,056,000
File Closed For Incompleteness 2,694 $829,470,000 $307,000 $3,205,000 $2,000 $1,350,000
Application Denied By Financial Institution 1,536 $524,650,000 $341,000 $1,505,000 $93,000 $664,000
Preapproval Denied by Financial Institution 335 $133,735,000 $399,000 $1,505,000 $94,000 $465,000
Application Approved But Not Accepted 137 $46,985,000 $342,000 $815,000 $130,000 $694,000
Loan Purchased By The Institution 44 $15,500,000 $352,000 $975,000 $126,000 $363,000

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 30,394 $11,102,510,000 $365,000 $4,055,000 $124,000 $4,020,000
Debt-To-Income Ratio 689 $259,665,000 $376,000 $1,505,000 $80,000 $465,000
Unverifiable Information 603 $217,455,000 $360,000 $1,505,000 $125,000 $562,000
Credit History 364 $105,220,000 $289,000 $1,355,000 $51,000 $422,000
Collateral 129 $45,665,000 $353,000 $855,000 $122,000 $664,000
Employment History 73 $25,575,000 $350,000 $825,000 $115,000 $561,000
Other 9 $3,495,000 $388,000 $1,095,000 $118,000 $238,000
Credit Application Incomplete 4 $1,310,000 $327,000 $495,000 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into NBKC Bank's 2021 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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