Cowley County, KS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 996 mortgage applications in Cowley County, KS totaling $140.4 million, up 9% from 2024. The average application was for $140,000, and applicants reported an average income of $90,000. 56% of applications resulted in an originated loan and 15% were denied. The most active lender was Community National Bank & Trust, with 137 applications, followed by Rcb Bank and Union State 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 | 996 |
| Total Mortgage Loan Application Amount | $140,350,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $905,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $692,000 |
* 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 |
|---|---|---|---|---|
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ n/a | 137 | $ 16,055,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ n/a | 58 | $ 8,210,000 |
| Union State Bank 127 S SUMMIT STREET ARKANSAS CITY, KS 67005 |
* | $ n/a | 46 | $ 7,180,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 42 | $ 7,080,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 25 | $ 5,025,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 23 | $ 4,045,000 |
| Citizens Bank of Kansas 300 N MAIN ST KINGMAN, KS 67068 |
* | $ n/a | 22 | $ 3,630,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 20 | $ 4,800,000 |
| Mid American Credit Union 8404 W. KELLOGG DR. WICHITA, KS 67209 |
* | $ n/a | 19 | $ 2,085,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 18 | $ 2,280,000 |
| The Stock Exchange Bank 103 S MAIN ST CALDWELL, KS 67022 |
* | $ n/a | 17 | $ 1,585,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 17 | $ 2,605,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 17 | $ 1,095,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 16 | $ 1,750,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 16 | $ 2,280,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 14 | $ 2,300,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 14 | $ 2,320,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 13 | $ 1,585,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 13 | $ 1,205,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ n/a | 12 | $ 2,480,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 12 | $ 1,340,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 12 | $ 1,410,000 |
| Bank of Commerce 101 W MAIN CHANUTE, KS 66720 |
* | $ n/a | 12 | $ 1,430,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ n/a | 11 | $ 1,645,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ n/a | 11 | $ 1,105,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ n/a | 11 | $ 1,245,000 |
| Premier Members Credit Union 5505 ARAPAHOE AVE BOULDER, CO 80303 |
* | $ n/a | 10 | $ 1,700,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 10 | $ 890,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 10 | $ 1,360,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 9 | $ 2,195,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ n/a | 9 | $ 795,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 9 | $ 625,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 9 | $ 1,345,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 8 | $ 1,850,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 8 | $ 1,350,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 8 | $ 2,240,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 8 | $ 1,750,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 8 | $ 750,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 7 | $ 1,195,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 7 | $ 1,015,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 6 | $ 440,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 6 | $ 1,030,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 6 | $ 1,440,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 6 | $ 810,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 5 | $ 1,685,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ n/a | 5 | $ 405,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 5 | $ 625,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 5 | $ 355,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 5 | $ 425,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 5 | $ 215,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 4 | $ 900,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 4 | $ 610,000 |
| Home Bank & Trust Co. 217 N. MAIN EUREKA, KS 67045 |
* | $ n/a | 4 | $ 390,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ n/a | 4 | $ 550,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 780,000 |
| Wichita Federal Credit Union 9835 E 21ST ST N WICHITA, KS 67206 |
* | $ n/a | 4 | $ 200,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 4 | $ 360,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 770,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 4 | $ 350,000 |
| Bank of Commerce & Trust Company 201 W HARVEY WELLINGTON, KS 67152 |
* | $ n/a | 4 | $ 950,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 3 | $ 375,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ n/a | 3 | $ 295,000 |
| The Valley State Bank 502 N MERCHANT BELLE PLAINE, KS 67013 |
* | $ n/a | 3 | $ 215,000 |
| Peoples Bank and Trust Co 101 S MAIN ST MCPHERSON, KS 67460 |
* | $ n/a | 3 | $ 415,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 3 | $ 285,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 665,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 665,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 425,000 |
| Panhadle Federal Credit Union 403 NORTH WASHINGTON WELLINGTON, KS 67152 |
* | $ n/a | 3 | $ 305,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 3 | $ 465,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 170,000 |
| Southwest National Bank 400 E DOUGLAS WICHITA, KS 67202 |
* | $ n/a | 2 | $ 230,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ n/a | 2 | $ 110,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 220,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 2 | $ 390,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ n/a | 2 | $ 830,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 120,000 |
| Mid America Bank 802 AMES STREET BALDWIN CITY, KS 66006 |
* | $ n/a | 2 | $ 370,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 280,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ n/a | 2 | $ 230,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 2 | $ 210,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 160,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 140,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 2 | $ 90,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 190,000 |
| Skyward Credit Union 4 CESSNA BLVD WICHITA, KS 67215 |
* | $ n/a | 2 | $ 210,000 |
| Desert Financial Credit Union 148 N. 48TH ST. PHOENIX, AZ 85034 |
* | $ n/a | 1 | $ 15,000 |
| Bank of Billings 104 NE ELM ST BILLINGS, MO 65610 |
* | $ n/a | 1 | $ 15,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 1 | $ 455,000 |
| Vintage Bank Kansas P O BOX 68 101 SOUTH MAIN LEON, KS 67074 |
* | $ n/a | 1 | $ 175,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 1 | $ 245,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ n/a | 1 | $ 75,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 125,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 105,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 65,000 |
| Oneaz Credit Union 2355 W PINNACLE PEAK RD PHOENIX, AZ 85027 |
* | $ n/a | 1 | $ 15,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 125,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 55,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 75,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 205,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 65,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 115,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 295,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ n/a | 1 | $ 155,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 115,000 |
| Flyhomes Mortgage LLC 711 CAPITOL WAY S STE 204 OLYMPIA, WA 98501 |
* | $ n/a | 1 | $ 85,000 |
| Griffin Funding Inc. 2445 5TH AVE SUITE 401 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 285,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 1 | $ 115,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 85,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ n/a | 1 | $ 225,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 65,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 45,000 |
| Home Federal Bank 222 FLORIDA STREET SHREVEPORT, LA 71105 |
* | $ n/a | 1 | $ 285,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 45,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 105,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 1 | $ 285,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ n/a | 1 | $ 185,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 1 | $ 75,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ n/a | 1 | $ 5,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 85,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 205,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 165,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 65,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ n/a | 1 | $ 75,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 205,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 225,000 |
| Garden Plain State Bank PO BOX 75009 WICHITA, KS 67275 |
* | $ n/a | 1 | $ 45,000 |
| White Eagle Credit Union 2830 OHIO AUGUSTA, KS 67010 |
* | $ n/a | 1 | $ 135,000 |
| Carson Bank 122 W MAIN PO BOX 158 MULVANE, KS 67110 |
* | $ n/a | 1 | $ 405,000 |
| Conway Bank 121 E KELLOGG WICHITA, KS 67202 |
* | $ n/a | 1 | $ 85,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 125,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 405,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 245,000 |
The tables below break down 2025 mortgage applications in Cowley 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 Cowley County, KS in 2025
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 | 512 | $85,470,000 | $166,000 | $905,000 | $92,000 | $692,000 |
| Cash-out Refinancing | 180 | $23,080,000 | $128,000 | $605,000 | $85,000 | $305,000 |
| Refinancing | 122 | $20,480,000 | $167,000 | $845,000 | $88,000 | $480,000 |
| Other Purpose | 99 | $6,095,000 | $61,000 | $405,000 | $85,000 | $250,000 |
| Home Improvement | 82 | $5,200,000 | $63,000 | $245,000 | $100,000 | $420,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
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 | 659 | $91,795,000 | $139,000 | $905,000 | $93,000 | $692,000 |
| Not applicable | 149 | $22,975,000 | $154,000 | $735,000 | $92,000 | $157,000 |
| Not Provided | 84 | $12,730,000 | $151,000 | $765,000 | $84,000 | $300,000 |
| Hispanic | 56 | $5,970,000 | $106,000 | $315,000 | $75,000 | $220,000 |
| American Indian or Alaskan Native | 18 | $2,410,000 | $133,000 | $345,000 | $67,000 | $132,000 |
| Black or African American | 16 | $2,160,000 | $135,000 | $285,000 | $99,000 | $236,000 |
| Asian | 14 | $2,310,000 | $165,000 | $555,000 | $66,000 | $120,000 |
| 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) | 686 | $88,470,000 | $128,000 | $905,000 | $97,000 | $692,000 |
| FHA-insured (Federal Housing Administration) | 170 | $24,730,000 | $145,000 | $375,000 | $72,000 | $235,000 |
| VA-guaranteed (Veterans Administration) | 106 | $22,950,000 | $216,000 | $605,000 | $82,000 | $236,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $4,200,000 | $123,000 | $235,000 | $57,000 | $99,000 |
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 | 553 | $77,145,000 | $139,000 | $735,000 | $96,000 | $692,000 |
| Application Denied By Financial Institution | 147 | $18,905,000 | $128,000 | $905,000 | $79,000 | $480,000 |
| Application Withdrawn By Applicant | 110 | $17,140,000 | $155,000 | $765,000 | $83,000 | $242,000 |
| Loan Purchased By The Institution | 105 | $16,415,000 | $156,000 | $505,000 | $98,000 | $180,000 |
| File Closed For Incompleteness | 42 | $5,990,000 | $142,000 | $405,000 | $69,000 | $170,000 |
| Application Approved But Not Accepted | 36 | $4,190,000 | $116,000 | $645,000 | $91,000 | $250,000 |
| Preapproval Approved but not Accepted | 2 | $280,000 | $140,000 | $155,000 | $70,000 | $78,000 |
| Preapproval Denied by Financial Institution | 1 | $285,000 | $285,000 | $285,000 | $136,000 | $136,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 769 | $109,535,000 | $142,000 | $765,000 | $91,000 | $420,000 |
| Debt-To-Income Ratio | 121 | $18,845,000 | $155,000 | $905,000 | $90,000 | $692,000 |
| Credit History | 46 | $4,760,000 | $103,000 | $405,000 | $77,000 | $224,000 |
| Collateral | 27 | $2,995,000 | $110,000 | $325,000 | $97,000 | $243,000 |
| Other | 17 | $2,335,000 | $137,000 | $385,000 | $98,000 | $480,000 |
| Credit Application Incomplete | 9 | $905,000 | $100,000 | $205,000 | $70,000 | $150,000 |
| Unverifiable Information | 3 | $695,000 | $231,000 | $465,000 | $95,000 | $118,000 |
| Employment History | 2 | $120,000 | $60,000 | $75,000 | $40,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $160,000 | $80,000 | $95,000 | $70,000 | $100,000 |
| 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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