Cowley County, KS Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 970 mortgage applications in Cowley County, KS totaling $86.7 million, down 13% from 2010. The average application was for $89,000, and applicants reported an average income of $59,000. 53% of applications resulted in an originated loan and 19% were denied. The most active lender was Community National Bank & Trust, with 111 applications, followed by Wells Fargo Bank NA and Cornerbank, N.A..

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Total Number of Mortgage Applications 970
Total Mortgage Loan Application Amount $86,733,000
Average Mortgage Loan Application Amount $89,000
Highest Mortgage Loan Application Amount $780,000
Average Applicant Income $59,000
Highest Applicant Income $1,538,000

Mortgage Company List for Lending in Cowley County, KS for 2011

* 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
* $ 718,746,000 111 $ 11,443,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 98 $ 9,071,000
Cornerbank, N.A.
900 MAIN ST - PO BOX 545
WINFIELD, KS 67156
* $ 242,410,000 71 $ 5,151,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 57 $ 4,891,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 57 $ 4,870,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 45 $ 4,355,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 45 $ 4,066,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 59,517,025,000 43 $ 3,286,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 36 $ 2,664,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 35 $ 3,521,000
Citizens Bank of Kansas, N.A.
300 N MAIN
KINGMAN, KS 67068
* $ 216,166,000 30 $ 2,121,000
Rcb Bank
PO BOX 189
CLAREMORE, OK 74018
* $ 1,909,097,000 29 $ 2,387,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 17 $ 1,457,000
Intrust Bank, NA
105 N MAIN ST
WICHITA, KS 67202
* $ 3,705,025,000 16 $ 788,000
Meritrust Federal Credit Union
8710 E 32ND ST NORTH
WICHITA, KS 67202
* $ 699,308,000 16 $ 1,178,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 10 $ 1,254,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 8 $ 977,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ 10,000,000 8 $ 682,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 7 $ 570,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 7 $ 882,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 7 $ 806,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 7 $ 76,000
The Valley State Bank
502 N MERCHANT
BELLE PLAINE, KS 67013
* $ 117,513,000 7 $ 509,000
Credit Union of America
711 W DOUGLAS
WICHITA, KS 67226
* $ 364,694,000 7 $ 502,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 6 $ 587,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 6 $ 1,026,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 6 $ 479,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 24,055,290,000 6 $ 580,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 6 $ 623,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 5 $ 463,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 689,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 5 $ 305,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 5 $ 539,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 385,490,000 5 $ 491,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 4 $ 325,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 4 $ 358,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 4 $ 451,000
Emprise Bank
257 N BROADWAY
WICHITA, KS 67202
* $ 1,442,236,000 4 $ 507,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,001,416,000 4 $ 308,000
Mid American Credit Union
8404 W. KELLOGG DR.
WICHITA, KS 67209
* $ 160,813,000 3 $ 165,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 3 $ 247,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 3 $ 686,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 333,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 283,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 256,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 316,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 19,413,461,000 3 $ 123,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 149,000
BNC National Bank

BISMARCK, ND 58501
* $ 745,184,000 2 $ 192,000
Oakstar Bank, NA
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 166,520,000 2 $ 452,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,813,409,000 2 $ 99,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 2 $ 118,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 2 $ 327,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 2 $ 92,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 1,694,138,000 2 $ 148,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 2 $ 214,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 189,478,000 2 $ 138,000
Rose Hill Bank
107 N ROSE HILL RD PO BOX 68
ROSE HILL, KS 67133
* $ 242,245,000 2 $ 45,000
Azura Credit Union
610 SW 10TH AVENUE
TOPEKA, KS 66612
* $ 232,488,000 1 $ 15,000
White Eagle Credit Union
2830 OHIO
AUGUSTA, KS 67010
* $ 65,297,000 1 $ 18,000
Central Star Credit Union
9555 CORPORATE HILLS DR
WICHITA, KS 67207
* $ 64,956,000 1 $ 43,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 1 $ 61,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 1 $ 172,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 1 $ 213,000
Union Bank and Trust Company
PO BOX 82535
LINCOLN, NE 68501
* $ 2,451,138,000 1 $ 280,000
Bank of Commerce and Trust Company
201 W HARVEY
WELLINGTON, KS 67152
* $ 48,616,000 1 $ 56,000
Pinnacle Bank
20544 HWY 370
LINCOLN, NE 68508
* $ 2,951,720,000 1 $ 73,000
Legacy Bank
3711 N RIDGE RD
WICHITA, KS 67205
* $ 247,183,000 1 $ 53,000
Town Center Bank
1938 E. LINCOLN HIGHWAY #101
NEW LENOX, IL 60451
* $ 141,350,000 1 $ 84,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 111,000
Wichita Federal Credit Union
9835 E 21ST ST N
WICHITA, KS 67206
* $ 77,181,000 1 $ 10,000
Countryside Federal Credit Union
5720 COMMONS PARK
EAST SYRACUSE, NY 13057
* $ 128,586,000 1 $ 200,000
Panhadle Federal Credit Union
403 NORTH WASHINGTON
WELLINGTON, KS 67152
* $ 41,056,000 1 $ 127,000
Skyward Credit Union
4 CESSNA BLVD
WICHITA, KS 67215
* $ 189,714,000 1 $ 17,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 98,000
Firstrust Mortgage, Inc
6710 W. 121ST STREET
OVERLAND PARK, KS 66209
* $ 6,198,000 1 $ 108,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 1 $ 138,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 110,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 67,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 139,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 99,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 1 $ 3,000
First National Bank of Oklahoma
10900 HEFNER POINTE DRIVE
OKLAHOMA CITY, OK 73120
* $ 242,394,000 1 $ 80,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ 503,620,000 1 $ 11,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 115,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 36,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 1 $ 91,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 72,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 11,750,980,000 1 $ 65,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 1 $ 79,000
Pulaski Bank, NA
12300 OLIVE BLVD
ST LOUIS, MO 63141
* $ 1,466,563,000 1 $ 61,000
Aurora Bank FSB
10350 PARK MEADOWS DRIVE
LONE TREE, CO 80124
* $ 4,335,558,000 1 $ 63,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,311,970,000 1 $ 51,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 181,000
First Century Bank, National Association
807 DORSEY ST
GAINESVILLE, GA 30501
* $ 72,051,000 1 $ 57,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 1 $ 121,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 86,911,000 1 $ 73,000
Bank of Commerce
PO BOX 29
CHELSEA, OK 74016
* $ 143,604,000 1 $ 219,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 1 $ 40,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 608,886,000 1 $ 195,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 1 $ 75,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 2,060,521,000 1 $ 81,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 1 $ 104,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 1 $ 107,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 1 $ 205,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,797,006,000 1 $ 9,000

The tables below break down 2011 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 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
Refinancing 517 $52,795,000 $102,000 $780,000 $65,000 $1,538,000
Home Purchase 378 $31,305,000 $82,000 $390,000 $53,000 $478,000
Home Improvement 75 $2,633,000 $35,000 $200,000 $55,000 $124,000

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 789 $69,685,000 $88,000 $390,000 $65,000 $1,538,000
Not applicable 73 $7,894,000 $108,000 $780,000 $2,000 $65,000
Not Provided 68 $6,482,000 $95,000 $353,000 $61,000 $159,000
Hispanic 22 $1,410,000 $64,000 $260,000 $52,000 $159,000
Asian 7 $376,000 $53,000 $137,000 $54,000 $96,000
Black or African American 6 $611,000 $101,000 $172,000 $65,000 $120,000
American Indian or Alaskan Native 5 $275,000 $55,000 $91,000 $29,000 $58,000
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) 600 $54,580,000 $90,000 $780,000 $70,000 $1,538,000
FHA-insured (Federal Housing Administration) 236 $19,523,000 $82,000 $215,000 $47,000 $153,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 78 $6,166,000 $79,000 $191,000 $36,000 $112,000
VA-guaranteed (Veterans Administration) 56 $6,464,000 $115,000 $227,000 $34,000 $111,000

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 511 $47,733,000 $93,000 $780,000 $65,000 $478,000
Application Denied By Financial Institution 186 $14,379,000 $77,000 $353,000 $55,000 $202,000
Loan Purchased By The Institution 116 $10,457,000 $90,000 $225,000 $27,000 $116,000
Application Withdrawn By Applicant 89 $7,705,000 $86,000 $289,000 $56,000 $234,000
Application Approved But Not Accepted 53 $4,974,000 $93,000 $309,000 $91,000 $1,538,000
File Closed For Incompleteness 15 $1,485,000 $99,000 $218,000 $73,000 $172,000
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 54 $2,824,000 $52,000 $151,000 $44,000 $106,000
Collateral 50 $4,079,000 $81,000 $221,000 $63,000 $169,000
Debt-To-Income Ratio 23 $2,137,000 $92,000 $200,000 $47,000 $83,000
Credit Application Incomplete 15 $1,425,000 $95,000 $175,000 $73,000 $170,000
Unverifiable Information 7 $354,000 $50,000 $105,000 $50,000 $104,000
Other 6 $583,000 $97,000 $153,000 $78,000 $202,000
Insufficient Cash (Downpayment, Closing Cost) 4 $213,000 $53,000 $88,000 $68,000 $104,000
Mortgage Insurance Denied 2 $130,000 $65,000 $68,000 $60,000 $78,000
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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