In 2024, lenders reported 219 mortgage applications in Brown County, KS totaling $28.4 million, down 8% from 2023. The average application was for $129,000, and applicants reported an average income of $85,000. 55% of applications resulted in an originated loan and 22% were denied. The most active lender was Gnbank, N.A., with 31 applications, followed by Htlf Bank and Union State Bank of Everest.
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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 | 219 |
| Total Mortgage Loan Application Amount | $28,405,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $1,935,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $881,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Gnbank, N.A. 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ n/a | 31 | $ 3,485,000 |
| Htlf Bank 1800 LARIMER ST #1800 DENVER, CO 80202 |
* | $ n/a | 12 | $ 670,000 |
| Union State Bank of Everest PO BOX 105 EVEREST, KS 66424 |
* | $ n/a | 11 | $ 815,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 8 | $ 1,420,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ n/a | 7 | $ 765,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 890,000 |
| Bendena State Bank 933 FRIENDSHIP RD. PO BOX 147 BENDENA, KS 66008 |
* | $ n/a | 6 | $ 690,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 6 | $ 410,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 810,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 5 | $ 635,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 5 | $ 465,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 4 | $ 420,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 4 | $ 630,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 505,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 505,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 3 | $ 415,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 3 | $ 745,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 585,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 155,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 275,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 3 | $ 405,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 3 | $ 425,000 |
| Community National Bank 210 MAIN ST SENECA, KS 66538 |
* | $ n/a | 3 | $ 215,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 290,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 130,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ n/a | 2 | $ 110,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 350,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 360,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 140,000 |
| Azura Credit Union 610 SW 10TH AVENUE TOPEKA, KS 66612 |
* | $ n/a | 2 | $ 70,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 2 | $ 350,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 330,000 |
| Envista Federal Credit Union 3626 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ n/a | 2 | $ 40,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ n/a | 2 | $ 430,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 105,000 |
| The Farmers State Bank 209 MONTANA AVENUE, PO BOX 465 HOLTON, KS 66436 |
* | $ n/a | 1 | $ 115,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 105,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 105,000 |
| The Stock Exchange Bank 103 S MAIN ST CALDWELL, KS 67022 |
* | $ n/a | 1 | $ 115,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 125,000 |
| First Heritage Bank PO BOX 188 620 4TH STREET CENTRALIA, KS 66415 |
* | $ n/a | 1 | $ 315,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 45,000 |
| Community First Bank P.O. BOX 407 BUTLER, MO 64730 |
* | $ n/a | 1 | $ 335,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 1 | $ 275,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 195,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 255,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 65,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 185,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 335,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 125,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 205,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 25,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 95,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 35,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 65,000 |
| Exchange Bank & Trust PO BOX 189 ATCHISON, KS 66002 |
* | $ n/a | 1 | $ 15,000 |
| First Option Bank 702 BAPTISTE DR. PAOLA, KS 66071 |
* | $ n/a | 1 | $ 25,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 155,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ n/a | 1 | $ 1,935,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 115,000 |
The tables below break down 2024 mortgage applications in Brown 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 101 | $13,575,000 | $134,000 | $415,000 | $91,000 | $881,000 |
| Cash-out Refinancing | 47 | $7,445,000 | $158,000 | $355,000 | $77,000 | $239,000 |
| Refinancing | 30 | $5,140,000 | $171,000 | $1,935,000 | $83,000 | $192,000 |
| Other Purpose | 24 | $1,410,000 | $58,000 | $205,000 | $58,000 | $132,000 |
| Home Improvement | 17 | $835,000 | $49,000 | $135,000 | $117,000 | $342,000 |
| 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 | 167 | $20,905,000 | $125,000 | $1,935,000 | $87,000 | $881,000 |
| Not Provided | 26 | $3,590,000 | $138,000 | $355,000 | $68,000 | $136,000 |
| Not applicable | 11 | $1,535,000 | $139,000 | $335,000 | $0 | $0 |
| Hispanic | 9 | $1,635,000 | $181,000 | $335,000 | $95,000 | $178,000 |
| American Indian or Alaskan Native | 6 | $740,000 | $123,000 | $205,000 | $71,000 | $153,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 130 | $14,680,000 | $112,000 | $1,935,000 | $94,000 | $881,000 |
| FHA-insured (Federal Housing Administration) | 36 | $5,090,000 | $141,000 | $255,000 | $72,000 | $187,000 |
| VA-guaranteed (Veterans Administration) | 30 | $5,820,000 | $194,000 | $355,000 | $71,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,815,000 | $122,000 | $205,000 | $67,000 | $115,000 |
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 | 120 | $16,720,000 | $139,000 | $1,935,000 | $94,000 | $881,000 |
| Application Denied By Financial Institution | 48 | $4,740,000 | $98,000 | $275,000 | $74,000 | $342,000 |
| Application Withdrawn By Applicant | 29 | $3,985,000 | $137,000 | $355,000 | $73,000 | $178,000 |
| Loan Purchased By The Institution | 8 | $1,350,000 | $168,000 | $335,000 | $0 | $0 |
| File Closed For Incompleteness | 7 | $875,000 | $125,000 | $265,000 | $64,000 | $96,000 |
| Application Approved But Not Accepted | 7 | $735,000 | $105,000 | $255,000 | $76,000 | $156,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 140 | $20,440,000 | $146,000 | $1,935,000 | $84,000 | $881,000 |
| Debt-To-Income Ratio | 39 | $4,345,000 | $111,000 | $335,000 | $96,000 | $595,000 |
| Credit History | 18 | $1,370,000 | $76,000 | $195,000 | $69,000 | $170,000 |
| Collateral | 11 | $1,125,000 | $102,000 | $275,000 | $70,000 | $153,000 |
| Credit Application Incomplete | 6 | $710,000 | $118,000 | $205,000 | $138,000 | $342,000 |
| Other | 3 | $215,000 | $71,000 | $125,000 | $49,000 | $66,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $116,000 | $116,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $16,000 | $16,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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