Clay County, KS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 414 mortgage applications in Clay County, KS totaling $46.5 million, up 12% from 2011. The average application was for $112,000, and applicants reported an average income of $61,000. 53% of applications resulted in an originated loan and 25% were denied. The most active lender was Gnb Mortgage Company Inc, with 78 applications, followed by United Bank & Trust and Wells Fargo Bank NA.
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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 | 414 |
| Total Mortgage Loan Application Amount | $46,459,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $630,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $381,000 |
* 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 |
|---|---|---|---|---|
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 78 | $ 7,898,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 503,365,000 | 43 | $ 4,972,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 30 | $ 4,284,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 15 | $ 1,429,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 1,473,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 889,265,000 | 14 | $ 1,588,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 11 | $ 1,411,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 11 | $ 1,140,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 798,484,000 | 11 | $ 1,328,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 10 | $ 949,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 9 | $ 1,179,000 |
| Riley State Bank P.O. BOX 218 RILIEY, KS 66531 |
* | $ 74,737,000 | 9 | $ 371,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 512,660,000 | 9 | $ 467,000 |
| First National Bank & Trust Co 702 N. WASHINGTON JUNCTION CITY, KS 66441 |
* | $ 108,702,000 | 7 | $ 865,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 135,237,000 | 7 | $ 685,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,733,783,000 | 7 | $ 875,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 7 | $ 755,000 |
| The Citizens National Bank 417 COMMERCIAL, P.O. BOX 309 GREENLEAF, KS 66943 |
* | $ 176,251,000 | 6 | $ 420,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 444,250,000 | 6 | $ 625,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 596,405,000 | 5 | $ 516,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 152,158,000 | 5 | $ 732,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 5 | $ 458,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 418,000 |
| Citizens Bank, N.A. 200 S. MAIN, P O BOX 899 FORT SCOTT, KS 66701 |
* | $ 273,413,000 | 4 | $ 472,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 4 | $ 171,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,167,422,000 | 4 | $ 580,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 648,887,000 | 4 | $ 609,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 3 | $ 382,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 3 | $ 480,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 3 | $ 299,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 458,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 3 | $ 719,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 249,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 469,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 379,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 2 | $ 232,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 2 | $ 206,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 299,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 374,787,000 | 2 | $ 400,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 368,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 826,484,000 | 1 | $ 127,000 |
| Kansas State University Federal Credit Union 601 MCCALL ROAD MANHATTAN, KS 66502 |
* | $ 53,255,000 | 1 | $ 69,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 3,171,239,000 | 1 | $ 76,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 1 | $ 67,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 1 | $ 167,000 |
| The Farmers State Bank of Westmoreland 307 MAIN ST, PO BOX 330 WESTMORELAND, KS 66549 |
* | $ 128,947,000 | 1 | $ 62,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 137,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 92,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 162,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,184,743,000 | 1 | $ 188,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 72,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 180,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 1 | $ 25,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 172,261,000 | 1 | $ 95,000 |
| Grand Bank, National Association 2297 HWY 33 HAMILTON, NJ 08690 |
* | $ 341,507,000 | 1 | $ 139,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,507,508,000 | 1 | $ 47,000 |
| Community National Bank 210 MAIN ST SENECA, KS 66538 |
* | $ 231,492,000 | 1 | $ 165,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 291,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 808,645,000 | 1 | $ 95,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 134,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 1 | $ 115,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 60,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,839,722,000 | 1 | $ 122,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 25,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 20,493,569,000 | 1 | $ 34,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 65,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 60,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 161,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 36,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 227,000 |
| UMB National Bank of America 100 S SANTA FE AVE SALINA, KS 67401 |
* | $ 825,618,000 | 1 | $ 186,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 1 | $ 102,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 1 | $ 138,000 |
The tables below break down 2012 mortgage applications in Clay 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 Clay 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 | 240 | $30,266,000 | $126,000 | $630,000 | $65,000 | $381,000 |
| Home Purchase | 140 | $14,343,000 | $102,000 | $417,000 | $56,000 | $149,000 |
| Home Improvement | 34 | $1,850,000 | $54,000 | $165,000 | $63,000 | $150,000 |
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 | 342 | $38,619,000 | $112,000 | $630,000 | $67,000 | $381,000 |
| Not Provided | 34 | $3,776,000 | $111,000 | $322,000 | $47,000 | $167,000 |
| Not applicable | 30 | $2,972,000 | $99,000 | $233,000 | $16,000 | $128,000 |
| Hispanic | 4 | $358,000 | $89,000 | $181,000 | $51,000 | $90,000 |
| Black or African American | 2 | $350,000 | $175,000 | $175,000 | $47,000 | $47,000 |
| American Indian or Alaskan Native | 1 | $201,000 | $201,000 | $201,000 | $210,000 | $210,000 |
| Asian | 1 | $183,000 | $183,000 | $183,000 | $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) | 237 | $25,640,000 | $108,000 | $630,000 | $74,000 | $381,000 |
| VA-guaranteed (Veterans Administration) | 72 | $10,314,000 | $143,000 | $240,000 | $40,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 56 | $4,933,000 | $88,000 | $453,000 | $47,000 | $293,000 |
| FHA-insured (Federal Housing Administration) | 49 | $5,572,000 | $113,000 | $268,000 | $48,000 | $137,000 |
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 | 220 | $24,259,000 | $110,000 | $630,000 | $68,000 | $381,000 |
| Application Denied By Financial Institution | 104 | $10,763,000 | $103,000 | $293,000 | $58,000 | $245,000 |
| Loan Purchased By The Institution | 45 | $5,259,000 | $116,000 | $233,000 | $40,000 | $128,000 |
| Application Withdrawn By Applicant | 30 | $4,153,000 | $138,000 | $417,000 | $60,000 | $206,000 |
| Application Approved But Not Accepted | 9 | $1,267,000 | $140,000 | $186,000 | $69,000 | $107,000 |
| File Closed For Incompleteness | 6 | $758,000 | $126,000 | $186,000 | $57,000 | $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 | 24 | $1,939,000 | $80,000 | $202,000 | $50,000 | $137,000 |
| Collateral | 20 | $2,620,000 | $131,000 | $293,000 | $66,000 | $210,000 |
| Other | 16 | $1,555,000 | $97,000 | $225,000 | $64,000 | $128,000 |
| Debt-To-Income Ratio | 14 | $1,683,000 | $120,000 | $196,000 | $44,000 | $132,000 |
| Credit Application Incomplete | 2 | $242,000 | $121,000 | $127,000 | $0 | $0 |
| Unverifiable Information | 1 | $87,000 | $87,000 | $87,000 | $70,000 | $70,000 |
| Employment History | 1 | $87,000 | $87,000 | $87,000 | $93,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $66,000 | $66,000 | $66,000 | $71,000 | $71,000 |
| 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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