Bourbon County, KS Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 341 mortgage applications in Bourbon County, KS totaling $32.2 million, up 5% from 2011. The average application was for $94,000, and applicants reported an average income of $65,000. 48% of applications resulted in an originated loan and 25% were denied. The most active lender was Citizens Bank, N.A., with 64 applications, followed by UMB Bank NA and JPMorgan Chase Bank, NA.

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Total Number of Mortgage Applications 341
Total Mortgage Loan Application Amount $32,184,000
Average Mortgage Loan Application Amount $94,000
Highest Mortgage Loan Application Amount $511,000
Average Applicant Income $65,000
Highest Applicant Income $791,000

Mortgage Company List for Lending in Bourbon County, KS for 2012

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Citizens Bank, N.A.
200 S. MAIN, P O BOX 899
FORT SCOTT, KS 66701
* $ 273,413,000 64 $ 6,168,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 11,205,930,000 37 $ 4,559,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 26 $ 2,029,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 24 $ 2,163,000
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ 596,405,000 22 $ 1,663,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ 512,000 15 $ 1,062,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 13 $ 1,108,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 12 $ 1,098,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 10 $ 708,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 9 $ 581,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 9 $ 401,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 7 $ 864,000
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ 766,287,000 6 $ 468,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 5 $ 547,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 4 $ 382,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 3 $ 407,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 310,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 214,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 3 $ 207,000
Gnbank, National Association
100 E FOREST (PO BOX 67)
GIRARD, KS 66743
* $ 512,660,000 3 $ 22,000
Gnb Mortgage Company Inc
112 E 8TH STREET, PO BOX 149
HORTON, KS 66439
* $ 278,812,000 3 $ 363,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 2 $ 141,000
Labette Bank
PO BOX 497 319 4TH
ALTAMONT, KS 67330
* $ 328,725,000 2 $ 315,000
Blue Ridge Bank and Trust Co.
4200 LITTLE BLUE PARKWAY
INDEPENDENCE, MO 64057
* $ 469,926,000 2 $ 180,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 2 $ 180,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 452,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 3,788,680,000 2 $ 206,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 265,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 2 $ 146,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 1 $ 204,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 20,493,569,000 1 $ 119,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 111,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 120,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 86,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 1 $ 106,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,264,044,000 1 $ 183,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 1 $ 72,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 25,359,999,000 1 $ 117,000
Liberty Bank
4625 S. NATIONAL
SPRINGFIELD, MO 65810
* $ 1,093,306,000 1 $ 133,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 75,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 669,292,000 1 $ 60,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 370,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 1 $ 71,000
Intrust Bank, NA
105 N MAIN ST
WICHITA, KS 67202
* $ 4,065,989,000 1 $ 16,000
First National Bank of Kansas
600 N 4TH STREET
BURLINGTON, KS 66839
* $ 68,972,000 1 $ 178,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 1 $ 50,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 62,408,304,000 1 $ 38,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 1 $ 92,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 1 $ 110,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 52,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 1 $ 80,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 1 $ 7,000
Colorado Federal Savings Bank8
400 EAST PRENTICE AVE, SUITE 840
GREENWOOD VILLAGE, CO 80111
* $ 1,547,178,000 1 $ 80,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 1 $ 154,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 1 $ 78,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 374,787,000 1 $ 110,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,184,743,000 1 $ 150,000
Small Business Bank
13423 W 92ND ST
LENEXA, KS 66215
* $ 85,958,000 1 $ 38,000
First Community Bank
301 SE MAIN ST
LEE'S SUMMIT, MO 64063
* $ 638,293,000 1 $ 123,000
Bankers' Bank of Kansas
555 N WOODLAWN, BLDG 5
WICHITA, KS 67208
* $ 129,028,000 1 $ 93,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 108,000
Bank of Blue Valley
6740 ANTIOCH
MERRIAM, KS 66204
* $ 646,849,000 1 $ 154,000
Heritage State Bank
1625 HEDGES PLAZA
NEVADA, MO 64772
* $ 117,118,000 1 $ 50,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,123,880,000 1 $ 46,000

The tables below break down 2012 mortgage applications in Bourbon County, KS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Bourbon County, KS in 2012

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 183 $20,311,000 $110,000 $511,000 $75,000 $791,000
Home Purchase 137 $10,711,000 $78,000 $394,000 $54,000 $540,000
Home Improvement 21 $1,162,000 $55,000 $162,000 $56,000 $201,000

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 263 $25,131,000 $95,000 $511,000 $73,000 $791,000
Not applicable 34 $3,305,000 $97,000 $310,000 $5,000 $86,000
Not Provided 28 $2,420,000 $86,000 $183,000 $68,000 $311,000
Black or African American 6 $465,000 $77,000 $154,000 $49,000 $66,000
Hispanic 5 $309,000 $61,000 $95,000 $63,000 $138,000
Asian 4 $446,000 $111,000 $204,000 $99,000 $177,000
American Indian or Alaskan Native 1 $108,000 $108,000 $108,000 $60,000 $60,000
Native Hawaiian or Other Pacific Islander 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) 234 $22,711,000 $97,000 $511,000 $78,000 $791,000
FHA-insured (Federal Housing Administration) 46 $4,675,000 $101,000 $276,000 $46,000 $150,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 42 $3,131,000 $74,000 $157,000 $27,000 $70,000
VA-guaranteed (Veterans Administration) 19 $1,667,000 $87,000 $133,000 $37,000 $78,000

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 165 $15,699,000 $95,000 $511,000 $77,000 $791,000
Application Denied By Financial Institution 84 $6,706,000 $79,000 $394,000 $62,000 $278,000
Loan Purchased By The Institution 55 $4,799,000 $87,000 $273,000 $21,000 $130,000
Application Withdrawn By Applicant 19 $2,434,000 $128,000 $376,000 $78,000 $216,000
Application Approved But Not Accepted 14 $1,879,000 $134,000 $405,000 $96,000 $311,000
File Closed For Incompleteness 4 $667,000 $166,000 $276,000 $92,000 $129,000
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 35 $2,147,000 $61,000 $196,000 $53,000 $177,000
Collateral 15 $1,415,000 $94,000 $204,000 $84,000 $257,000
Debt-To-Income Ratio 13 $1,680,000 $129,000 $394,000 $57,000 $133,000
Credit Application Incomplete 4 $349,000 $87,000 $108,000 $132,000 $278,000
Other 3 $140,000 $46,000 $92,000 $50,000 $68,000
Employment History 1 $101,000 $101,000 $101,000 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 1 $17,000 $17,000 $17,000 $50,000 $50,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 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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