United Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, United Bank & Trust of Marysville, KS reported 125 mortgage applications totaling $15.9 million, down 17% from 2022. The average application was for $127,000, and applicants reported an average income of $103,816. 86% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Manhattan, KS (6), Kansas City, MO-KS (3) and Topeka, KS (2) (applications in parentheses).
| Mortgage Company & Address | United Bank & Trust 823 Broadway Marysville, KS 66508 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 125 |
| Total Mortgage Loan Application Amount | $15,875,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $695,000 |
| Average Applicant Income | $103,816 |
| Highest Applicant Income | $564,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 114 | $ 13,010,000 | $ 114,122 | $ 101,000 |
| Manhattan, KS | 6 | $ 1,190,000 | $ 198,333 | $ 129,000 |
| Kansas City, MO-KS | 3 | $ 1,265,000 | $ 421,666 | $ 242,000 |
| Topeka, KS | 2 | $ 410,000 | $ 205,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for United Bank & Trust 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 | 78 | $11,540,000 | $147,000 | $695,000 | $104,000 | $564,000 |
| Refinancing | 33 | $3,325,000 | $100,000 | $295,000 | $107,000 | $502,000 |
| Home Improvement | 8 | $500,000 | $62,000 | $145,000 | $109,000 | $268,000 |
| Other Purpose | 4 | $290,000 | $72,000 | $145,000 | $83,000 | $150,000 |
| Cash-out Refinancing | 2 | $220,000 | $110,000 | $165,000 | $65,000 | $67,000 |
| Not Applicable | 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 | 112 | $13,810,000 | $123,000 | $625,000 | $101,000 | $564,000 |
| Not applicable | 5 | $1,255,000 | $251,000 | $695,000 | $0 | $0 |
| Not Provided | 4 | $320,000 | $80,000 | $165,000 | $182,000 | $502,000 |
| Hispanic | 2 | $300,000 | $150,000 | $195,000 | $66,000 | $66,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 125 | $15,875,000 | $127,000 | $695,000 | $103,000 | $564,000 |
| 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 |
| VA-guaranteed (Veterans Administration) | 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 | 108 | $14,320,000 | $132,000 | $695,000 | $109,000 | $564,000 |
| Application Withdrawn By Applicant | 9 | $995,000 | $110,000 | $195,000 | $79,000 | $179,000 |
| Application Denied By Financial Institution | 7 | $495,000 | $70,000 | $165,000 | $54,000 | $83,000 |
| Application Approved But Not Accepted | 1 | $65,000 | $65,000 | $65,000 | $50,000 | $50,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 121 | $15,285,000 | $126,000 | $695,000 | $105,000 | $564,000 |
| Not applicable | 4 | $590,000 | $147,000 | $225,000 | $69,000 | $78,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank & Trust'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 United Bank & Trust'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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