Cherokee County, KS Mortgage Lenders & HMDA Data, 2009

In 2009, lenders reported 655 mortgage applications in Cherokee County, KS totaling $59.9 million, down 7% from 2008. The average application was for $91,000, and applicants reported an average income of $55,000. 43% of applications resulted in an originated loan and 27% were denied. The most active lender was Wells Fargo Bank, NA, with 73 applications, followed by Bank of America, N.A. and Community Bank and Trust.

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Total Number of Mortgage Applications 655
Total Mortgage Loan Application Amount $59,945,000
Average Mortgage Loan Application Amount $91,000
Highest Mortgage Loan Application Amount $3,564,000
Average Applicant Income $55,000
Highest Applicant Income $900,000

Mortgage Company List for Lending in Cherokee County, KS for 2009

* 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
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 538,958,000,000 73 $ 6,046,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,471,631,047,000 64 $ 6,149,000
Community Bank and Trust
100 SOUTH WOOD ST
NEOSHO, MO 64850
* $ 259,995,000 45 $ 3,657,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 44 $ 3,803,000
Commerce Bank, N.A.
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 17,422,344,000 35 $ 1,545,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,227,040,000,000 31 $ 1,524,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,746,242,000,000 28 $ 2,515,000
Great Plains
2306 S RANGE LINE RD
JOPLIN, MO 64804
* $ 253,589,000 20 $ 1,684,000
Southwest Missouri Bank
300 WEST THIRD STREET
CARTHAGE, MO 64836
* $ 527,548,000 20 $ 1,449,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 261,775,591,000 19 $ 1,501,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 10,210,879,000 16 $ 1,626,000
Labette Bank
PO BOX 497 319 4TH
ALTAMONT, KS 67330
* $ 253,641,000 13 $ 854,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 117,978,966,000 12 $ 1,082,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,098,787,000 11 $ 1,241,000
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ 601,669,000 10 $ 444,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 10 $ 972,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 9 $ 900,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 32,882,574,000 9 $ 827,000
Hfc Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 15,000,000 9 $ 599,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 8 $ 399,000
Arvest Bank Group
4500 SOUTH GARNETT SUIT 440
TULSA, OK 74146
* $ 10,210,879,000 8 $ 166,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 7 $ 600,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 4,858,594,000 7 $ 362,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 7 $ 922,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 7 $ 574,000
American General Fin.Serv.(De)
601 N.W. SECOND STREET, P.O. BOX 59
EVANSVILLE, IN 47701
* $ 10,000,000 5 $ 91,000
People's Bank of Seneca
PO BOX 500
SENECA, MO 64865
* $ 72,984,000 5 $ 148,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 5 $ 481,000
Gnb Mortgage Company Inc
112 E 8TH STREET, PO BOX 149
HORTON, KS 66439
* $ 278,812,000 5 $ 455,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 147,483,646,000 5 $ 724,000
Gnbank, National Association
100 E FOREST (PO BOX 67)
GIRARD, KS 66743
* $ 497,957,000 4 $ 40,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 140,777,455,000 4 $ 6,479,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 4 $ 605,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 3 $ 577,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,677,931,000 3 $ 83,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,157,838,000 3 $ 356,000
Hometown Bank, National Association
PO BOX 797
CARTHAGE, MO 64836
* $ 258,039,000 3 $ 238,000
BNC National Bank

BISMARCK, ND 58501
* $ 861,403,000 3 $ 340,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 3 $ 318,000
First State Bank
802 MAIN ST
JOPLIN, MO 64801
* $ 172,792,000 3 $ 340,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 3 $ 194,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 155,000
Allied Home Mortgage Corp.
6110 PINEMONT DR., STE. 220
HOUSTON, TX 77092
* $ 10,000,000 2 $ 161,000
Homeplus Finance Corporation
2143 S. SEPULVEDA BLVD
LOS ANGELES, CA 90025
* $ 40,000,000 2 $ 23,000
New York Community Bank
1 JERICHO PLAZA
JERICHO, NY 11753
* $ 30,307,736,000 2 $ 242,000
UMB Bank, NA
1008 OAK ST.
KANSAS CITY, MO 64106
* $ 9,262,734,000 2 $ 129,000
M&I Marshall & Ilsley Bank
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 55,486,249,000 2 $ 195,000
Bank of Kansas City
P.O. BOX 2300
TULSA, OK 74192
* $ 87,221,000 2 $ 198,000
Merrill Lynch Credit Corp
4500 PARK GRANADA CA7-910-01-24
CALABASAS, CA 91302
* $ 2,223,299,000 2 $ 372,000
First Tennessee Bank NA
165 MADISON 5TH FLOOR
MEMPHIS, TN 38103
* $ 30,786,926,000 2 $ 229,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 7,047,356,000 2 $ 134,000
Liberty Bank F.S.B.
6400 WESTOWN PARKWAY
WEST DES MOINES, IA 50266
* $ 1,152,450,000 2 $ 154,000
Everhome Mortgage Company
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 3,027,261,000 2 $ 134,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 32,584,979,000 2 $ 175,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 318,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ 10,000,000 2 $ 264,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 37,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 91,000
Cherry Creek Mortgage Co., Inc
7600 EAST ORCHARD RD., STE 250-N
GREENWOOD VILLAGE, CO 80111
* $ 10,000,000 1 $ 130,000
Nationwide Mortgage Concepts,
40380 DESERT CREEK LANE
RANCHO MIRAGE, CA 92270
* $ 10,000,000 1 $ 65,000
Bankers Mortgage Corporation
7500 COLLEGE BOULEVARD, SUITE 1150
OVERLAND PARK, KS 66210
* $ 10,000,000 1 $ 177,000
Boeing Employees Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 8,700,985,000 1 $ 78,000
Gateway Mortgage Group LLC
6910 E 14TH ST
TULSA, OK 74112
* $ 10,000,000 1 $ 55,000
Gms Funding, LLC
824 MEETING STREET
WEST COLUMBIA, SC 29169
* $ 417,745,000 1 $ 123,000
Stonegate Mortgage Corporation
10412 ALLISONVILLE ROAD SUITE 250
FISHERS, IN 46038
* $ 1,855,000 1 $ 64,000
Mortgage Solutions of Co, LLC
5455 N UNION BLVD # 105
COLORADO SPRINGS, CO 80918
* $ 10,000,000 1 $ 121,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 2,657,417,000 1 $ 233,000
Heartland Bank
212 SOUTH CENTRAL
CLAYTON, MO 63105
* $ 962,062,000 1 $ 63,000
Midcountry Bank
2611 BLUE HERON DR.
MARION, IL 62959
* $ 967,308,000 1 $ 251,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,853,520,000 1 $ 47,000
Security Savings Bank, FSB
11599 RIDGEVIEW RD
OLATHE, KS 66061
* $ 650,847,000 1 $ 120,000
Colonial Savings, F. A.
P. O. BOX 2988
FORT WORTH, TX 76113
* $ 941,902,000 1 $ 28,000
Onewest Bank, FSB
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 36,000,000,000 1 $ 49,000
Liberty Mortgage Corporation
223 W NASH STREET
WILSON, NC 27893
* $ 2,406,088,000 1 $ 155,000
Shelter Financial Bank
1817 W. BROADWAY
COLUMBIA, MO 65218
* $ 155,344,000 1 $ 37,000
Admirals Bank Former Domestic
815 RESERVOIR AVE
CRANSTON, RI 02910
* $ 248,819,000 1 $ 18,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 14,649,039,000 1 $ 37,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 10,273,647,000 1 $ 122,000
Wintrust Mortgage Corporation
660 MIDWEST RD SUITE 100
OAK BROOK TERRACE, IL 60181
* $ 300,000,000 1 $ 78,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,041,440,000 1 $ 51,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 69,459,606,000 1 $ 208,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 1,959,803,000 1 $ 51,000
Mid-Missouri Bank
3546 EAST SUNSHINE
SPRINGFIELD, MO 65804
* $ 590,611,000 1 $ 61,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 1,140,194,000 1 $ 158,000
Bank of Blue Valley
6740 ANTIOCH
MERRIAM, KS 66204
* $ 490,207,000 1 $ 136,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 122,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 69,000

The tables below break down 2009 mortgage applications in Cherokee 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 Cherokee County, KS in 2009

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 405 $37,023,000 $91,000 $387,000 $58,000 $900,000
Home Purchase 194 $14,544,000 $74,000 $251,000 $48,000 $330,000
Home Improvement 56 $8,378,000 $149,000 $3,564,000 $54,000 $210,000

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 518 $41,025,000 $79,000 $387,000 $58,000 $900,000
Not applicable 77 $12,314,000 $159,000 $3,564,000 $26,000 $150,000
Not Provided 46 $4,884,000 $106,000 $195,000 $59,000 $200,000
American Indian or Alaskan Native 11 $1,136,000 $103,000 $318,000 $52,000 $109,000
Asian 1 $233,000 $233,000 $233,000 $194,000 $194,000
Black or African American 1 $194,000 $194,000 $194,000 $86,000 $86,000
Hispanic 1 $159,000 $159,000 $159,000 $51,000 $51,000
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) 423 $32,272,000 $76,000 $387,000 $62,000 $900,000
FHA-insured (Federal Housing Administration) 184 $23,701,000 $128,000 $3,564,000 $43,000 $186,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 39 $3,035,000 $77,000 $158,000 $33,000 $82,000
VA-guaranteed (Veterans Administration) 9 $937,000 $104,000 $159,000 $48,000 $79,000

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 281 $29,661,000 $105,000 $3,564,000 $62,000 $330,000
Application Denied By Financial Institution 180 $14,080,000 $78,000 $387,000 $58,000 $900,000
Loan Purchased By The Institution 94 $8,460,000 $90,000 $251,000 $32,000 $173,000
Application Withdrawn By Applicant 63 $5,135,000 $81,000 $194,000 $53,000 $150,000
Application Approved But Not Accepted 20 $1,416,000 $70,000 $177,000 $39,000 $86,000
File Closed For Incompleteness 17 $1,193,000 $70,000 $190,000 $39,000 $88,000
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 43 $2,601,000 $60,000 $387,000 $49,000 $215,000
Collateral 28 $2,665,000 $95,000 $212,000 $85,000 $342,000
Debt-To-Income Ratio 21 $1,352,000 $64,000 $121,000 $36,000 $75,000
Other 8 $938,000 $117,000 $226,000 $50,000 $68,000
Insufficient Cash (Downpayment, Closing Cost) 6 $530,000 $88,000 $153,000 $54,000 $68,000
Credit Application Incomplete 3 $145,000 $48,000 $65,000 $28,000 $61,000
Employment History 1 $40,000 $40,000 $40,000 $30,000 $30,000
Mortgage Insurance Denied 1 $82,000 $82,000 $82,000 $31,000 $31,000
Unverifiable Information 1 $105,000 $105,000 $105,000 $105,000 $105,000

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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