United Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, United Bank & Trust of Marysville, KS reported 121 mortgage applications totaling $17.4 million, down 3% from 2023. The average application was for $143,842, and applicants reported an average income of $118,148. 85% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Manhattan, KS (5), Topeka, KS (2) and Lawrence, KS (1) (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 | 121 |
| Total Mortgage Loan Application Amount | $17,405,000 |
| Average Mortgage Loan Application Amount | $143,842 |
| Highest Mortgage Loan Application Amount | $565,000 |
| Average Applicant Income | $118,148 |
| Highest Applicant Income | $787,000 |
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Act (HMDA) records United Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 113 | $ 16,095,000 | $ 142,433 | $ 121,654 |
| Manhattan, KS | 5 | $ 725,000 | $ 145,000 | $ 73,000 |
| Topeka, KS | 2 | $ 240,000 | $ 120,000 | $ 85,000 |
| Lawrence, KS | 1 | $ 345,000 | $ 345,000 | $ 136,000 |
Mortgage Loan Application Detail Totals for United Bank & Trust in 2024
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 | 92 | $14,300,000 | $155,000 | $565,000 | $123,000 | $787,000 |
| Refinancing | 17 | $2,055,000 | $120,000 | $345,000 | $82,000 | $165,000 |
| Home Improvement | 7 | $375,000 | $53,000 | $135,000 | $113,000 | $191,000 |
| Cash-out Refinancing | 3 | $405,000 | $135,000 | $165,000 | $155,000 | $247,000 |
| Other Purpose | 2 | $270,000 | $135,000 | $195,000 | $165,000 | $248,000 |
| 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 | 109 | $15,305,000 | $140,000 | $565,000 | $119,000 | $787,000 |
| Not applicable | 6 | $1,160,000 | $193,000 | $325,000 | $0 | $0 |
| Hispanic | 4 | $730,000 | $182,000 | $415,000 | $114,000 | $147,000 |
| Not Provided | 2 | $210,000 | $105,000 | $105,000 | $158,000 | $222,000 |
| 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) | 121 | $17,405,000 | $143,000 | $565,000 | $119,000 | $787,000 |
| 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 | 103 | $14,895,000 | $144,000 | $565,000 | $125,000 | $787,000 |
| Application Withdrawn By Applicant | 10 | $1,510,000 | $151,000 | $275,000 | $114,000 | $247,000 |
| Application Denied By Financial Institution | 6 | $680,000 | $113,000 | $175,000 | $36,000 | $54,000 |
| Application Approved But Not Accepted | 2 | $320,000 | $160,000 | $255,000 | $111,000 | $174,000 |
| 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 | 116 | $17,050,000 | $146,000 | $565,000 | $122,000 | $787,000 |
| Not applicable | 5 | $355,000 | $71,000 | $135,000 | $66,000 | $109,000 |
| 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 2024 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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