In 2010, lenders reported 546 mortgage applications in Cherokee County, KS totaling $46.4 million, down 17% from 2009. The average application was for $85,000, and applicants reported an average income of $57,000. 43% of applications resulted in an originated loan and 25% were denied. The most active lender was Bank of America, N.A., with 55 applications, followed by Wells Fargo Bank, NA and Community Bank and Trust.
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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 | 546 |
| Total Mortgage Loan Application Amount | $46,443,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $806,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 55 | $ 5,331,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 52 | $ 4,945,000 |
| Community Bank and Trust 100 SOUTH WOOD ST NEOSHO, MO 64850 |
* | $ 273,161,000 | 45 | $ 3,052,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 42 | $ 2,999,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 11,319,023,000 | 25 | $ 2,977,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 25 | $ 1,482,000 |
| Commerce Bank, N.A. 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 17,958,713,000 | 24 | $ 1,164,000 |
| Great Plains 2306 S RANGE LINE RD JOPLIN, MO 64804 |
* | $ 274,630,000 | 22 | $ 1,156,000 |
| Southwest Missouri Bank 300 WEST THIRD STREET CARTHAGE, MO 64836 |
* | $ 556,739,000 | 17 | $ 1,510,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 16 | $ 1,300,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 15 | $ 1,199,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 641,413,000 | 13 | $ 1,176,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 10 | $ 824,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 10 | $ 1,014,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 367,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 9 | $ 301,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 663,000 |
| Hometown Bank, National Association PO BOX 797 CARTHAGE, MO 64836 |
* | $ 236,189,000 | 7 | $ 505,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 599,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 664,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 6 | $ 771,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 833,054,000 | 5 | $ 705,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 5 | $ 990,000 |
| Labette Bank PO BOX 497 319 4TH ALTAMONT, KS 67330 |
* | $ 267,267,000 | 5 | $ 398,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 4 | $ 728,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 727,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 313,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 497,364,000 | 4 | $ 130,000 |
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 4 | $ 462,000 |
| Arvest Bank Group 4500 SOUTH GARNETT SUIT 440 TULSA, OK 74146 |
* | $ 11,319,023,000 | 4 | $ 82,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 374,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 3 | $ 295,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 50,253,578,000 | 3 | $ 300,000 |
| First State Bank 802 MAIN ST JOPLIN, MO 64801 |
* | $ 178,151,000 | 3 | $ 432,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 3 | $ 254,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 866,920,000 | 2 | $ 154,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 435,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 2 | $ 56,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,639,987,000 | 2 | $ 170,000 |
| Liberty Bank 4625 S. NATIONAL SPRINGFIELD, MO 65810 |
* | $ 949,895,000 | 2 | $ 147,000 |
| People's Bank of Seneca PO BOX 500 SENECA, MO 64865 |
* | $ 90,140,000 | 2 | $ 240,000 |
| Southern Missouri Bank of Marshfield PO BOX M 1292 BANNING ST MARSHFIELD, MO 65706 |
* | $ 100,531,000 | 1 | $ 104,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 117,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,911,006,000 | 1 | $ 16,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 10,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,834,445,000 | 1 | $ 137,000 |
| First Federal Bank, FSB 6900 N. EXECUTIVE DR. KANSAS CITY, MO 64120 |
* | $ 386,869,000 | 1 | $ 81,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 1 | $ 187,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 35,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 85,000 |
| Blucurrent Credit Union 1770 W SUNSET SPRINGFIELD, MO 65810 |
* | $ 133,838,000 | 1 | $ 34,000 |
| Azura Credit Union 610 SW 10TH AVENUE TOPEKA, KS 66612 |
* | $ 96,966,000 | 1 | $ 39,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 170,688,000 | 1 | $ 91,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 36,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 56,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 117,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 90,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 124,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 40,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 69,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 57,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 150,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 304,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 51,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 55,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 197,047,000 | 1 | $ 95,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 83,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 55,000 |
| Citizens Bank, N.A. 200 S. MAIN, P O BOX 899 FORT SCOTT, KS 66701 |
* | $ 291,228,000 | 1 | $ 60,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 8,806,851,000 | 1 | $ 42,000 |
| First National Bank and Trust 40 S. STATE ST. NEWTOWN, PA 18940 |
* | $ 687,939,000 | 1 | $ 20,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 16,430,404,000 | 1 | $ 37,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 153,000 |
| Farmers State Bank 124 E 3RD ST. CAMERON, MO 64429 |
* | $ 160,129,000 | 1 | $ 82,000 |
| Platte Valley Bank of Missouri PO BOX 1250 PLATTE CITY, MO 64079 |
* | $ 325,032,000 | 1 | $ 23,000 |
| Mid-Missouri Bank 3546 EAST SUNSHINE SPRINGFIELD, MO 65804 |
* | $ 528,650,000 | 1 | $ 7,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 93,000 |
| Homeservices Lending, LLC A 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 152,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 129,000 |
The tables below break down 2010 mortgage applications in Cherokee 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 | 333 | $31,742,000 | $95,000 | $400,000 | $64,000 | $806,000 |
| Home Purchase | 173 | $13,397,000 | $77,000 | $312,000 | $46,000 | $383,000 |
| Home Improvement | 40 | $1,304,000 | $32,000 | $120,000 | $51,000 | $126,000 |
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 | 444 | $37,497,000 | $84,000 | $400,000 | $59,000 | $806,000 |
| Not Provided | 56 | $4,119,000 | $73,000 | $257,000 | $51,000 | $125,000 |
| Not applicable | 26 | $2,938,000 | $113,000 | $400,000 | $10,000 | $72,000 |
| American Indian or Alaskan Native | 13 | $1,200,000 | $92,000 | $223,000 | $107,000 | $432,000 |
| Hispanic | 5 | $409,000 | $81,000 | $137,000 | $82,000 | $105,000 |
| Asian | 1 | $127,000 | $127,000 | $127,000 | $34,000 | $34,000 |
| Black or African American | 1 | $153,000 | $153,000 | $153,000 | $27,000 | $27,000 |
| 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) | 348 | $29,178,000 | $83,000 | $400,000 | $63,000 | $432,000 |
| FHA-insured (Federal Housing Administration) | 155 | $13,149,000 | $84,000 | $223,000 | $51,000 | $806,000 |
| VA-guaranteed (Veterans Administration) | 23 | $2,323,000 | $101,000 | $205,000 | $33,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,793,000 | $89,000 | $239,000 | $36,000 | $93,000 |
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 | 236 | $20,260,000 | $85,000 | $400,000 | $61,000 | $383,000 |
| Application Denied By Financial Institution | 135 | $10,213,000 | $75,000 | $304,000 | $50,000 | $275,000 |
| Application Withdrawn By Applicant | 66 | $5,547,000 | $84,000 | $282,000 | $75,000 | $806,000 |
| Loan Purchased By The Institution | 65 | $6,781,000 | $104,000 | $400,000 | $39,000 | $165,000 |
| Application Approved But Not Accepted | 28 | $1,736,000 | $62,000 | $152,000 | $47,000 | $121,000 |
| File Closed For Incompleteness | 16 | $1,906,000 | $119,000 | $400,000 | $77,000 | $275,000 |
| 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 | 45 | $2,342,000 | $52,000 | $205,000 | $42,000 | $155,000 |
| Collateral | 25 | $2,527,000 | $101,000 | $239,000 | $73,000 | $275,000 |
| Debt-To-Income Ratio | 11 | $859,000 | $78,000 | $164,000 | $41,000 | $109,000 |
| Credit Application Incomplete | 9 | $1,142,000 | $126,000 | $304,000 | $89,000 | $156,000 |
| Other | 5 | $251,000 | $50,000 | $92,000 | $51,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $186,000 | $62,000 | $99,000 | $15,000 | $35,000 |
| Unverifiable Information | 2 | $157,000 | $78,000 | $96,000 | $40,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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