Clay County, KS Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 289 mortgage applications in Clay County, KS totaling $28.6 million, down 18% from 2013. The average application was for $99,000, and applicants reported an average income of $59,000. 51% of applications resulted in an originated loan and 21% were denied. The most active lender was Gnbank, National Association, with 45 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 | 289 |
| Total Mortgage Loan Application Amount | $28,643,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $281,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $270,000 |
* 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 |
|---|---|---|---|---|
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 561,138,000 | 45 | $ 3,488,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 559,788,000 | 34 | $ 2,746,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 14 | $ 1,553,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 13 | $ 1,668,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,492,889,000 | 9 | $ 1,084,000 |
| Riley State Bank P.O. BOX 218 RILIEY, KS 66531 |
* | $ 77,115,000 | 9 | $ 400,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 845,160,000 | 9 | $ 938,000 |
| Exchange Bank 14 LABARRE STREET KEARNEY, NE 68847 |
* | $ 493,436,000 | 8 | $ 964,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,099,031,000 | 7 | $ 671,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 7 | $ 406,000 |
| The Citizens National Bank 417 COMMERCIAL, P.O. BOX 309 GREENLEAF, KS 66943 |
* | $ 169,793,000 | 7 | $ 577,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 6 | $ 887,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 6 | $ 643,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 5 | $ 484,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 5 | $ 617,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 5 | $ 339,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 648,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,675,841,000 | 4 | $ 614,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 4 | $ 542,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 826,961,000 | 4 | $ 443,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 4 | $ 467,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 153,712,000 | 4 | $ 244,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 430,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 162,785,000 | 3 | $ 404,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,128,932,000 | 3 | $ 309,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 159,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 3 | $ 539,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 483,124,000 | 2 | $ 48,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 2 | $ 251,000 |
| Bank of the Flint Hills 806 W 5TH ST, PO BOX 226 WAMEGO, KS 66547 |
* | $ 152,431,000 | 2 | $ 369,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 303,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 198,000 |
| Kansas State University Federal Credit Union 601 MCCALL ROAD MANHATTAN, KS 66502 |
* | $ 64,897,000 | 2 | $ 140,000 |
| Citizens Bank of Kansas 300 N MAIN ST KINGMAN, KS 67068 |
* | $ 225,066,000 | 2 | $ 71,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 86,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 2 | $ 121,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 222,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 2 | $ 122,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 91,286,152,000 | 1 | $ 61,000 |
| Community National Bank 210 MAIN ST SENECA, KS 66538 |
* | $ 306,309,000 | 1 | $ 212,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 838,887,000 | 1 | $ 136,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 22,943,132,000 | 1 | $ 7,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 83,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 16,642,506,000 | 1 | $ 200,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 5,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 51,000 |
| Denison State Bank 421 NEW YORK AVENUE HOLTON, KS 66436 |
* | $ 293,343,000 | 1 | $ 114,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 1 | $ 201,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 88,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 264,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 180,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 81,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 1 | $ 20,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 77,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 75,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 128,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 184,000 |
| Esb Financial 801 MERCHANT EMPORIA, KS 66801 |
* | $ 177,084,000 | 1 | $ 54,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 377,882,000 | 1 | $ 110,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 3,870,208,000 | 1 | $ 21,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 49,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 238,000 |
The tables below break down 2014 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 2014
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 | 150 | $15,537,000 | $103,000 | $281,000 | $56,000 | $265,000 |
| Refinancing | 103 | $11,354,000 | $110,000 | $264,000 | $62,000 | $270,000 |
| Home Improvement | 36 | $1,752,000 | $48,000 | $194,000 | $63,000 | $250,000 |
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 | 235 | $22,687,000 | $96,000 | $264,000 | $64,000 | $270,000 |
| Not applicable | 36 | $3,484,000 | $96,000 | $241,000 | $22,000 | $90,000 |
| Not Provided | 11 | $1,779,000 | $161,000 | $281,000 | $88,000 | $179,000 |
| Hispanic | 3 | $329,000 | $109,000 | $180,000 | $27,000 | $58,000 |
| American Indian or Alaskan Native | 2 | $235,000 | $117,000 | $154,000 | $76,000 | $87,000 |
| Asian | 1 | $80,000 | $80,000 | $80,000 | $62,000 | $62,000 |
| Black or African American | 1 | $49,000 | $49,000 | $49,000 | $24,000 | $24,000 |
| 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) | 166 | $14,118,000 | $85,000 | $264,000 | $66,000 | $270,000 |
| VA-guaranteed (Veterans Administration) | 80 | $10,330,000 | $129,000 | $281,000 | $55,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $3,105,000 | $97,000 | $241,000 | $33,000 | $67,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,090,000 | $99,000 | $212,000 | $49,000 | $250,000 |
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 | 146 | $13,612,000 | $93,000 | $281,000 | $65,000 | $265,000 |
| Application Denied By Financial Institution | 62 | $5,285,000 | $85,000 | $264,000 | $54,000 | $270,000 |
| Loan Purchased By The Institution | 43 | $5,183,000 | $120,000 | $241,000 | $39,000 | $92,000 |
| Application Withdrawn By Applicant | 21 | $2,142,000 | $102,000 | $155,000 | $69,000 | $159,000 |
| File Closed For Incompleteness | 10 | $1,371,000 | $137,000 | $227,000 | $69,000 | $158,000 |
| Application Approved But Not Accepted | 7 | $1,050,000 | $150,000 | $212,000 | $48,000 | $87,000 |
| 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 | $1,447,000 | $60,000 | $159,000 | $54,000 | $250,000 |
| Collateral | 8 | $1,167,000 | $145,000 | $264,000 | $70,000 | $145,000 |
| Debt-To-Income Ratio | 7 | $756,000 | $108,000 | $160,000 | $85,000 | $270,000 |
| Other | 4 | $233,000 | $58,000 | $111,000 | $33,000 | $71,000 |
| Credit Application Incomplete | 2 | $392,000 | $196,000 | $238,000 | $58,000 | $75,000 |
| Unverifiable Information | 1 | $179,000 | $179,000 | $179,000 | $100,000 | $100,000 |
| Employment History | 1 | $89,000 | $89,000 | $89,000 | $45,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $45,000 | $45,000 |
| 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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