Edwards County, KS Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 59 mortgage applications in Edwards County, KS totaling $2.4 million, down 21% from 2010. The average application was for $40,000, and applicants reported an average income of $54,000. 32% of applications resulted in an originated loan and 41% were denied. The most active lender was Bank of the West, with 14 applications, followed by Embrace Home Loans, Inc. and Farmers Bank and Trust 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 | 59 |
| Total Mortgage Loan Application Amount | $2,366,000 |
| Average Mortgage Loan Application Amount | $40,000 |
| Highest Mortgage Loan Application Amount | $179,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $134,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 59,517,025,000 | 14 | $ 366,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 461,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 665,875,000 | 8 | $ 235,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 497,631,000 | 6 | $ 96,000 |
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 6 | $ 368,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ 158,244,000 | 2 | $ 220,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 2 | $ 85,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 2 | $ 92,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 559,650,000 | 2 | $ 68,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 2 | $ 95,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 60,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 1 | $ 16,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 60,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 39,000 |
| Envista Federal Credit Union 3626 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 201,076,000 | 1 | $ 41,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 364,694,000 | 1 | $ 64,000 |
The tables below break down 2011 mortgage applications in Edwards 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 Edwards 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 | 28 | $1,256,000 | $44,000 | $179,000 | $57,000 | $112,000 |
| Home Purchase | 22 | $990,000 | $45,000 | $116,000 | $54,000 | $134,000 |
| Home Improvement | 9 | $120,000 | $13,000 | $25,000 | $43,000 | $96,000 |
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 | 47 | $1,899,000 | $40,000 | $179,000 | $57,000 | $134,000 |
| Not Provided | 5 | $222,000 | $44,000 | $60,000 | $39,000 | $60,000 |
| Hispanic | 4 | $99,000 | $24,000 | $58,000 | $47,000 | $91,000 |
| Not applicable | 2 | $95,000 | $47,000 | $71,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $51,000 | $51,000 | $51,000 | $98,000 | $98,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 39 | $1,363,000 | $34,000 | $179,000 | $53,000 | $116,000 |
| FHA-insured (Federal Housing Administration) | 15 | $730,000 | $48,000 | $60,000 | $63,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $273,000 | $54,000 | $71,000 | $30,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 24 | $891,000 | $37,000 | $179,000 | $39,000 | $91,000 |
| Loan Originated | 19 | $771,000 | $40,000 | $116,000 | $83,000 | $134,000 |
| Application Withdrawn By Applicant | 8 | $337,000 | $42,000 | $56,000 | $34,000 | $68,000 |
| Application Approved But Not Accepted | 4 | $177,000 | $44,000 | $64,000 | $48,000 | $96,000 |
| Loan Purchased By The Institution | 4 | $190,000 | $47,000 | $71,000 | $51,000 | $134,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 18 | $640,000 | $35,000 | $179,000 | $40,000 | $91,000 |
| Credit Application Incomplete | 1 | $13,000 | $13,000 | $13,000 | $25,000 | $25,000 |
| Other | 1 | $34,000 | $34,000 | $34,000 | $44,000 | $44,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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