Edwards County, KS Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 32 mortgage applications in Edwards County, KS totaling $3.0 million, down 20% from 2018. The average application was for $94,000, and applicants reported an average income of $55,000. 38% of applications resulted in an originated loan and 34% were denied. The most active lender was Gnbank, National Association, with 5 applications, followed by Farmers Bank & Trust and Primary Residential Mortgage, Inc..
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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 | 32 |
| Total Mortgage Loan Application Amount | $3,020,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $138,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 641,466,000 | 5 | $ 385,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 815,191,000 | 4 | $ 210,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 3 | $ 275,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 2 | $ 410,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 1,214,462,000 | 2 | $ 130,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 970,161,000 | 1 | $ 185,000 |
| Rushmore Loan Management Services LLC 15480 LAGUNA CANYON ROAD, SUITE 100 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 45,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 75,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 982,703,000 | 1 | $ 175,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ 311,165,000 | 1 | $ 35,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 1 | $ 75,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,383,765,000 | 1 | $ 185,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 75,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 185,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 185,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 5,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 75,000 |
The tables below break down 2019 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 2019
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 | 24 | $2,210,000 | $92,000 | $365,000 | $55,000 | $138,000 |
| Cash-out Refinancing | 3 | $275,000 | $91,000 | $175,000 | $61,000 | $84,000 |
| Refinancing | 3 | $375,000 | $125,000 | $185,000 | $43,000 | $70,000 |
| Other Purpose | 1 | $75,000 | $75,000 | $75,000 | $41,000 | $41,000 |
| Home Improvement | 1 | $85,000 | $85,000 | $85,000 | $66,000 | $66,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 22 | $2,090,000 | $95,000 | $365,000 | $57,000 | $138,000 |
| Hispanic | 4 | $340,000 | $85,000 | $165,000 | $47,000 | $58,000 |
| Not applicable | 3 | $305,000 | $101,000 | $185,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $100,000 | $50,000 | $75,000 | $40,000 | $40,000 |
| Not Provided | 1 | $185,000 | $185,000 | $185,000 | $51,000 | $51,000 |
| 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) | 14 | $1,490,000 | $106,000 | $365,000 | $68,000 | $138,000 |
| FHA-insured (Federal Housing Administration) | 10 | $830,000 | $83,000 | $185,000 | $38,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $220,000 | $55,000 | $125,000 | $45,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 4 | $480,000 | $120,000 | $185,000 | $48,000 | $56,000 |
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 | 12 | $1,110,000 | $92,000 | $185,000 | $59,000 | $127,000 |
| Application Denied By Financial Institution | 11 | $765,000 | $69,000 | $185,000 | $41,000 | $69,000 |
| Application Withdrawn By Applicant | 5 | $475,000 | $95,000 | $175,000 | $48,000 | $84,000 |
| Loan Purchased By The Institution | 4 | $670,000 | $167,000 | $365,000 | $138,000 | $138,000 |
| 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 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 19 | $2,105,000 | $110,000 | $365,000 | $55,000 | $138,000 |
| Credit History | 5 | $415,000 | $83,000 | $165,000 | $51,000 | $69,000 |
| Debt-To-Income Ratio | 4 | $210,000 | $52,000 | $85,000 | $101,000 | $127,000 |
| Collateral | 2 | $70,000 | $35,000 | $65,000 | $29,000 | $42,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $15,000 | $15,000 |
| Other | 1 | $185,000 | $185,000 | $185,000 | $0 | $0 |
| Unverifiable Information | 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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