New Century Bank Mortgage Lending & HMDA Data, 2020
In 2020, New Century Bank of Belleville, KS reported 120 mortgage applications totaling $36.0 million, down 76% from 2019. The average application was for $300,333, and applicants reported an average income of $110,816. 12% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (5), Kansas City, MO-KS (5) and North Port-Sarasota-Bradenton, FL (3) (applications in parentheses).
| Mortgage Company & Address | New Century Bank 1211 28th St Belleville, KS 66935 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2023 2020 2019 |
| Total Number of Mortgage Applications | 120 |
| Total Mortgage Loan Application Amount | $36,040,000 |
| Average Mortgage Loan Application Amount | $300,333 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $110,816 |
| Highest Applicant Income | $462,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records New Century Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 23 | $ 5,485,000 | $ 238,478 | $ 100,434 |
| Denver-Aurora-Lakewood, CO | 5 | $ 2,385,000 | $ 477,000 | $ 140,000 |
| Kansas City, MO-KS | 5 | $ 1,995,000 | $ 399,000 | $ 117,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 765,000 | $ 255,000 | $ 214,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 960,000 | $ 480,000 | $ 165,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 560,000 | $ 280,000 | $ 120,000 |
| Columbus, OH | 2 | $ 610,000 | $ 305,000 | $ 98,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 580,000 | $ 290,000 | $ 128,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 420,000 | $ 210,000 | $ 149,000 |
| Fort Worth-Arlington, TX | 2 | $ 800,000 | $ 400,000 | $ 104,000 |
| Albuquerque, NM | 1 | $ 515,000 | $ 515,000 | $ 229,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 575,000 | $ 575,000 | $ 237,000 |
| Bend-Redmond, OR | 1 | $ 455,000 | $ 455,000 | $ 264,000 |
| Fort Collins, CO | 1 | $ 385,000 | $ 385,000 | $ 70,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 365,000 | $ 365,000 | $ 184,000 |
| Greeley, CO | 1 | $ 515,000 | $ 515,000 | $ 110,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 385,000 | $ 385,000 | $ 137,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 245,000 | $ 245,000 | $ 136,000 |
| Lincoln, NE | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 505,000 | $ 505,000 | $ 163,000 |
| Manhattan, KS | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Michigan City-La Porte, IN | 1 | $ 425,000 | $ 425,000 | $ 98,000 |
| New York-Newark, NY | 1 | $ 395,000 | $ 395,000 | $ 212,000 |
| Pittsburgh, PA | 1 | $ 245,000 | $ 245,000 | $ 70,000 |
| Port St. Lucie, FL | 1 | $ 235,000 | $ 235,000 | $ 56,000 |
| Pueblo, CO | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Rapid City, SD | 1 | $ 135,000 | $ 135,000 | $ 131,000 |
| Salisbury, MD-DE | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Sebastian-Vero Beach, FL | 1 | $ 355,000 | $ 355,000 | $ 102,000 |
| Spokane-Spokane Valley, WA | 1 | $ 565,000 | $ 565,000 | $ 88,000 |
| Springfield, MO | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 25,000 | $ 25,000 | $ 113,000 |
| Tulsa, OK | 1 | $ 435,000 | $ 435,000 | $ 126,000 |
| Waco, TX | 1 | $ 245,000 | $ 245,000 | $ 135,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 605,000 | $ 605,000 | $ 208,000 |
| Wichita, KS | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Wilmington, DE-MD-NJ | 1 | $ 365,000 | $ 365,000 | $ 124,000 |
Mortgage Loan Application Detail Totals for New Century Bank in 2020
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 | 119 | $35,715,000 | $300,000 | $765,000 | $110,000 | $462,000 |
| Cash-out Refinancing | 1 | $325,000 | $325,000 | $325,000 | $208,000 | $208,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 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 | 80 | $23,610,000 | $295,000 | $765,000 | $101,000 | $264,000 |
| Not Provided | 34 | $10,240,000 | $301,000 | $755,000 | $119,000 | $397,000 |
| Black or African American | 3 | $915,000 | $305,000 | $485,000 | $205,000 | $462,000 |
| Hispanic | 3 | $1,275,000 | $425,000 | $675,000 | $186,000 | $350,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 118 | $35,420,000 | $300,000 | $765,000 | $112,000 | $462,000 |
| VA-guaranteed (Veterans Administration) | 2 | $620,000 | $310,000 | $485,000 | $80,000 | $106,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 56 | $18,100,000 | $323,000 | $755,000 | $127,000 | $350,000 |
| Preapproval Denied by Financial Institution | 49 | $12,685,000 | $258,000 | $765,000 | $85,000 | $462,000 |
| Loan Originated | 15 | $5,255,000 | $350,000 | $575,000 | $136,000 | $397,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 120 | $36,040,000 | $300,000 | $765,000 | $111,000 | $462,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into New Century Bank's 2020 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 New Century 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.
For a list of all lenders in Kansas, download the full spreadsheet
with aggregated HMDA statistics today.
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