In 2008, lenders reported 548 mortgage applications in Bourbon County, KS totaling $43.7 million, down 28% from 2007. The average application was for $79,000, and applicants reported an average income of $51,000. 50% of applications resulted in an originated loan and 23% were denied. The most active lender was UMB Bank, NA, with 76 applications, followed by Citizens Bank, N.A. and Countrywide Bank FSB.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 548 |
| Total Mortgage Loan Application Amount | $43,651,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $687,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 8,123,855,000 | 76 | $ 5,217,000 |
| Citizens Bank, N.A. 200 S. MAIN, P O BOX 899 FORT SCOTT, KS 66701 |
* | $ 284,038,000 | 73 | $ 5,533,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 29 | $ 2,917,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 27 | $ 2,080,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 26 | $ 2,231,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 24 | $ 1,741,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 21 | $ 1,790,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 19 | $ 1,256,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 18 | $ 1,289,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 14 | $ 1,462,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 605,123,000 | 13 | $ 358,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 12 | $ 1,151,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 880,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 8 | $ 473,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 478,292,000 | 8 | $ 730,000 |
| Teambank, N.A. 1 S PEORIA PAOLA, KS 66071 |
* | $ 689,907,000 | 7 | $ 495,000 |
| Labette Bank PO BOX 497 319 4TH ALTAMONT, KS 67330 |
* | $ 210,247,000 | 7 | $ 399,000 |
| Wells Fargo Fin'l Kansas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 7 | $ 452,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 6 | $ 538,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 5 | $ 351,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 5 | $ 727,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 5 | $ 486,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 345,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 4 | $ 336,000 |
| Farmers State Bank P O BOX 158 BLUE MOUND, KS 66010 |
* | $ 38,647,000 | 4 | $ 145,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 128,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 4 | $ 529,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 4 | $ 34,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 4 | $ 311,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 4 | $ 288,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 4 | $ 492,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 265,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 484,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 3 | $ 44,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 3 | $ 24,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 3 | $ 255,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 139,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 3 | $ 371,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 2 | $ 39,000 |
| Security Bank 606 E. WALNUT, PO BOX 9 RICH HILL, MO 64779 |
* | $ 52,446,000 | 2 | $ 583,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 2 | $ 83,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 2 | $ 132,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 2 | $ 143,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 2 | $ 290,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 79,977,597,000 | 2 | $ 100,000 |
| Stonegate Mortgage Corporation 10412 ALLISONVILLE ROAD SUITE 250 FISHERS, IN 46038 |
* | $ 1,855,000 | 2 | $ 138,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 172,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 53,720,915,000 | 2 | $ 216,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 2 | $ 117,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 7,406,877,000 | 2 | $ 261,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,578,734,000 | 2 | $ 198,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 2 | $ 134,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 77,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 35,000 |
| The First National Bank of Louisburg 1201 W AMITY LOUISBURG, KS 66053 |
* | $ 81,776,000 | 1 | $ 117,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 77,748,330,000 | 1 | $ 50,000 |
| Commerce Bank, N.A. 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 14,741,252,000 | 1 | $ 60,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 139,000 |
| Citizens State Bank 3 E WEA PAOLA, KS 66071 |
* | $ 50,634,000 | 1 | $ 102,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 1 | $ 142,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,157,013,000 | 1 | $ 25,000 |
| Bankmortgagesolutions LLC 14425 COLLEGE BLVD SUITE 100 LENEXA, KS 66215 |
* | $ 11,000,000 | 1 | $ 172,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 35,000 |
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 1 | $ 200,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 339,285,000 | 1 | $ 128,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 1 | $ 85,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 85,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 33,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 34,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 47,000 |
| Pulaski Bank 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,249,426,000 | 1 | $ 44,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,816,477,000 | 1 | $ 17,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 5,518,089,000 | 1 | $ 230,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ 1,193,444,000 | 1 | $ 35,000 |
| First Community Bank 301 SE MAIN STREET LEES SUMMIT, MO 64063 |
* | $ 567,345,000 | 1 | $ 221,000 |
| The Citizens State Bank 410 E MAIN ST, PO BOX 102 GRIDLEY, KS 66852 |
* | $ 81,415,000 | 1 | $ 7,000 |
| Carson Bank 122 W MAIN PO BOX 158 MULVANE, KS 67110 |
* | $ 81,019,000 | 1 | $ 154,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 45,000 |
| First Federal Savings and Loan 700 E SANTA FE/P O BOX 636 OLATHE, KS 66061 |
* | $ 53,803,000 | 1 | $ 112,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,402,062,000 | 1 | $ 128,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Merrlin Mortgage Corporation 8717 W. 110TH ST., SUITE 270 OVERLAND PARK, KS 66210 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 23,000 |
The tables below break down 2008 mortgage applications in Bourbon County, KS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 279 | $25,625,000 | $91,000 | $405,000 | $58,000 | $687,000 |
| Home Purchase | 196 | $15,377,000 | $78,000 | $900,000 | $47,000 | $525,000 |
| Home Improvement | 73 | $2,649,000 | $36,000 | $221,000 | $40,000 | $95,000 |
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 | 402 | $30,117,000 | $74,000 | $404,000 | $58,000 | $687,000 |
| Not Provided | 64 | $5,676,000 | $88,000 | $405,000 | $49,000 | $300,000 |
| Not applicable | 55 | $5,598,000 | $101,000 | $900,000 | $10,000 | $61,000 |
| Black or African American | 16 | $1,460,000 | $91,000 | $145,000 | $40,000 | $62,000 |
| Asian | 4 | $300,000 | $75,000 | $220,000 | $92,000 | $275,000 |
| American Indian or Alaskan Native | 3 | $267,000 | $89,000 | $115,000 | $53,000 | $58,000 |
| Hispanic | 3 | $93,000 | $31,000 | $55,000 | $26,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $140,000 | $140,000 | $140,000 | $55,000 | $55,000 |
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) | 409 | $31,118,000 | $76,000 | $900,000 | $54,000 | $687,000 |
| FHA-insured (Federal Housing Administration) | 115 | $10,208,000 | $88,000 | $230,000 | $43,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,045,000 | $69,000 | $112,000 | $27,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,280,000 | $142,000 | $307,000 | $65,000 | $275,000 |
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 | 276 | $21,517,000 | $77,000 | $900,000 | $58,000 | $687,000 |
| Application Denied By Financial Institution | 127 | $9,182,000 | $72,000 | $230,000 | $43,000 | $125,000 |
| Loan Purchased By The Institution | 60 | $5,264,000 | $87,000 | $281,000 | $22,000 | $135,000 |
| Application Withdrawn By Applicant | 51 | $5,008,000 | $98,000 | $405,000 | $58,000 | $300,000 |
| Application Approved But Not Accepted | 29 | $2,461,000 | $84,000 | $175,000 | $53,000 | $223,000 |
| File Closed For Incompleteness | 5 | $219,000 | $43,000 | $98,000 | $147,000 | $525,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 22 | $876,000 | $39,000 | $125,000 | $32,000 | $62,000 |
| Collateral | 19 | $2,124,000 | $111,000 | $230,000 | $62,000 | $120,000 |
| Debt-To-Income Ratio | 10 | $757,000 | $75,000 | $200,000 | $27,000 | $54,000 |
| Credit Application Incomplete | 7 | $512,000 | $73,000 | $120,000 | $51,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $231,000 | $77,000 | $129,000 | $48,000 | $68,000 |
| Other | 3 | $179,000 | $59,000 | $95,000 | $37,000 | $61,000 |
| Unverifiable Information | 2 | $146,000 | $73,000 | $96,000 | $65,000 | $99,000 |
| Employment History | 2 | $159,000 | $79,000 | $114,000 | $28,000 | $56,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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