Cloud County, KS Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 228 mortgage applications in Cloud County, KS totaling $16.1 million, up 2% from 2010. The average application was for $70,000, and applicants reported an average income of $68,000. 61% of applications resulted in an originated loan and 14% were denied. The most active lender was United Bank & Trust, with 30 applications, followed by Central National Bank and The Citizens National Bank.
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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 | 228 |
| Total Mortgage Loan Application Amount | $16,080,000 |
| Average Mortgage Loan Application Amount | $70,000 |
| Highest Mortgage Loan Application Amount | $340,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $624,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 497,695,000 | 30 | $ 1,455,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 837,325,000 | 25 | $ 1,841,000 |
| The Citizens National Bank 417 COMMERCIAL, P.O. BOX 309 GREENLEAF, KS 66943 |
* | $ 175,297,000 | 20 | $ 899,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 402,609,000 | 17 | $ 938,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 13 | $ 805,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 973,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 12 | $ 892,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 128,801,000 | 9 | $ 662,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 9 | $ 557,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 326,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 5 | $ 487,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 5 | $ 470,000 |
| Citizens Bank of Kansas, N.A. 300 N MAIN KINGMAN, KS 67068 |
* | $ 216,166,000 | 5 | $ 399,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 4 | $ 250,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 4 | $ 581,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 497,631,000 | 4 | $ 105,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 3 | $ 418,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 3 | $ 180,000 |
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 3 | $ 153,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 373,638,000 | 2 | $ 193,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 10,684,654,000 | 2 | $ 157,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 2 | $ 16,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 251,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 167,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 250,000 |
| UMB National Bank of America 100 S SANTA FE AVE SALINA, KS 67401 |
* | $ 640,302,000 | 2 | $ 47,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,694,138,000 | 2 | $ 199,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 158,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 50,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 173,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 116,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 54,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 132,000 |
| First Natl Bank of Wamego 806 W 5TH ST, PO BOX 226 WAMEGO, KS 66547 |
* | $ 155,626,000 | 1 | $ 266,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 1 | $ 100,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 1 | $ 193,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 117,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 12,658,976,000 | 1 | $ 80,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 1 | $ 68,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 132,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 1 | $ 123,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 385,490,000 | 1 | $ 69,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 50,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 180,751,000 | 1 | $ 52,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 124,000 |
The tables below break down 2011 mortgage applications in Cloud 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 Cloud County, KS in 2011
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 | 100 | $7,554,000 | $75,000 | $340,000 | $60,000 | $624,000 |
| Refinancing | 96 | $7,722,000 | $80,000 | $250,000 | $77,000 | $561,000 |
| Home Improvement | 32 | $804,000 | $25,000 | $173,000 | $67,000 | $454,000 |
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 | 195 | $13,602,000 | $69,000 | $340,000 | $70,000 | $624,000 |
| Not Provided | 17 | $1,292,000 | $76,000 | $193,000 | $51,000 | $109,000 |
| Not applicable | 14 | $1,100,000 | $78,000 | $153,000 | $63,000 | $561,000 |
| American Indian or Alaskan Native | 1 | $83,000 | $83,000 | $83,000 | $36,000 | $36,000 |
| Hispanic | 1 | $3,000 | $3,000 | $3,000 | $23,000 | $23,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 138 | $9,112,000 | $66,000 | $340,000 | $82,000 | $561,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $2,924,000 | $71,000 | $148,000 | $53,000 | $624,000 |
| FHA-insured (Federal Housing Administration) | 38 | $3,052,000 | $80,000 | $173,000 | $50,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 11 | $992,000 | $90,000 | $127,000 | $12,000 | $75,000 |
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 | 140 | $9,515,000 | $67,000 | $340,000 | $76,000 | $561,000 |
| Application Denied By Financial Institution | 33 | $2,193,000 | $66,000 | $173,000 | $61,000 | $624,000 |
| Loan Purchased By The Institution | 23 | $2,119,000 | $92,000 | $266,000 | $47,000 | $234,000 |
| Application Withdrawn By Applicant | 16 | $1,244,000 | $77,000 | $172,000 | $69,000 | $454,000 |
| Application Approved But Not Accepted | 10 | $605,000 | $60,000 | $90,000 | $48,000 | $109,000 |
| File Closed For Incompleteness | 6 | $404,000 | $67,000 | $127,000 | $41,000 | $77,000 |
| 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 | 11 | $539,000 | $49,000 | $82,000 | $93,000 | $624,000 |
| Collateral | 4 | $354,000 | $88,000 | $114,000 | $43,000 | $66,000 |
| Credit Application Incomplete | 2 | $202,000 | $101,000 | $134,000 | $83,000 | $95,000 |
| Debt-To-Income Ratio | 2 | $85,000 | $42,000 | $44,000 | $23,000 | $25,000 |
| Employment History | 2 | $126,000 | $63,000 | $83,000 | $65,000 | $94,000 |
| Other | 1 | $57,000 | $57,000 | $57,000 | $35,000 | $35,000 |
| Unverifiable Information | 1 | $59,000 | $59,000 | $59,000 | $42,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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