Clay County, KS Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 305 mortgage applications in Clay County, KS totaling $32.6 million, up 6% from 2014. The average application was for $106,000, and applicants reported an average income of $59,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was Gnbank, National Association, with 41 applications, followed by United Bank & Trust and State Farm Bank, F.S.B..
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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 | 305 |
| Total Mortgage Loan Application Amount | $32,603,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $699,000 |
Top Mortgage Lenders in Clay County, KS (2015)
Ranked by the number of mortgage applications each lender reported in Clay County, KS in 2015.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Gnbank, National Association Girard, KS |
41 | $4,011,000 | $97,000 | $68,000 |
| 2 | United Bank & Trust Marysville, KS |
39 | $4,214,000 | $108,000 | $70,000 |
| 3 | State Farm Bank, F.S.B. Bloomington, IL |
14 | $1,132,000 | $80,000 | $73,000 |
| 4 | JPMorgan Chase Bank, NA Columbus, OH |
10 | $896,000 | $89,000 | $23,000 |
| 5 | USAA Federal Savings Bank San Antonio, TX |
10 | $1,396,000 | $139,000 | $66,000 |
| 6 | Riley State Bank Riliey, KS |
10 | $694,000 | $69,000 | $61,000 |
| 7 | Freedom Mortgage Corporation Boca Raton, FL |
9 | $1,333,000 | $148,000 | $0 |
| 8 | The Citizens National Bank Greenleaf, KS |
8 | $464,000 | $58,000 | $47,000 |
| 9 | Peoples Bank Lawrence, KS |
7 | $1,181,000 | $168,000 | $28,000 |
| 10 | Ks Statebank Manhattan, KS |
7 | $811,000 | $115,000 | $110,000 |
The tables below break down 2015 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 2015
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 | 152 | $18,390,000 | $120,000 | $1,250,000 | $55,000 | $227,000 |
| Home Purchase | 118 | $12,172,000 | $103,000 | $278,000 | $57,000 | $220,000 |
| Home Improvement | 35 | $2,041,000 | $58,000 | $210,000 | $80,000 | $699,000 |
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 | 241 | $23,184,000 | $96,000 | $400,000 | $66,000 | $699,000 |
| Not applicable | 39 | $6,353,000 | $162,000 | $1,250,000 | $17,000 | $153,000 |
| Not Provided | 15 | $1,898,000 | $126,000 | $225,000 | $69,000 | $142,000 |
| American Indian or Alaskan Native | 4 | $397,000 | $99,000 | $150,000 | $72,000 | $83,000 |
| Hispanic | 3 | $291,000 | $97,000 | $141,000 | $31,000 | $59,000 |
| Black or African American | 2 | $334,000 | $167,000 | $169,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $146,000 | $146,000 | $146,000 | $46,000 | $46,000 |
| Asian | 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) | 175 | $17,913,000 | $102,000 | $1,250,000 | $73,000 | $699,000 |
| VA-guaranteed (Veterans Administration) | 74 | $10,070,000 | $136,000 | $278,000 | $41,000 | $117,000 |
| FHA-insured (Federal Housing Administration) | 31 | $2,666,000 | $86,000 | $211,000 | $44,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $1,954,000 | $78,000 | $184,000 | $33,000 | $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 | 165 | $17,568,000 | $106,000 | $1,250,000 | $67,000 | $699,000 |
| Application Denied By Financial Institution | 60 | $5,510,000 | $91,000 | $236,000 | $59,000 | $161,000 |
| Loan Purchased By The Institution | 42 | $5,301,000 | $126,000 | $278,000 | $30,000 | $153,000 |
| Application Withdrawn By Applicant | 22 | $2,365,000 | $107,000 | $400,000 | $62,000 | $116,000 |
| File Closed For Incompleteness | 12 | $1,431,000 | $119,000 | $206,000 | $44,000 | $132,000 |
| Application Approved But Not Accepted | 4 | $428,000 | $107,000 | $236,000 | $57,000 | $103,000 |
| 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 | 19 | $1,275,000 | $67,000 | $118,000 | $59,000 | $161,000 |
| Debt-To-Income Ratio | 11 | $1,026,000 | $93,000 | $219,000 | $59,000 | $126,000 |
| Credit Application Incomplete | 7 | $724,000 | $103,000 | $153,000 | $49,000 | $83,000 |
| Collateral | 6 | $567,000 | $94,000 | $170,000 | $83,000 | $142,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $447,000 | $149,000 | $211,000 | $101,000 | $128,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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