Edwards County, KS Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 94 mortgage applications in Edwards County, KS totaling $8.1 million, up 77% from 2020. The average application was for $85,000, and applicants reported an average income of $69,000. 43% of applications resulted in an originated loan and 24% were denied. The most active lender was Farmers Bank & Trust, with 20 applications, followed by Gnbank, N.A. and Mortgage Investment Services Corporation.
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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 | 94 |
| Total Mortgage Loan Application Amount | $8,050,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $285,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $392,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 872,778,000 | 20 | $ 1,440,000 |
| Gnbank, N.A. 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 641,466,000 | 12 | $ 910,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 6 | $ 620,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 4,172,729,000 | 5 | $ 435,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 4 | $ 330,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 285,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 265,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 595,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 90,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 290,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 2 | $ 150,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ 325,706,000 | 2 | $ 210,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 985,502,000 | 2 | $ 150,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 995,323,000 | 2 | $ 100,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 160,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 2 | $ 110,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 140,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 45,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 45,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 35,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 145,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 1 | $ 125,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 115,000 |
| Legacy Bank 3711 N RIDGE RD WICHITA, KS 67205 |
* | $ 468,066,000 | 1 | $ 115,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 1 | $ 165,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 145,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 12,244,742,000 | 1 | $ 45,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 3,946,120,000 | 1 | $ 35,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 55,000 |
The tables below break down 2021 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 2021
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 | 62 | $4,870,000 | $78,000 | $215,000 | $62,000 | $392,000 |
| Refinancing | 17 | $1,655,000 | $97,000 | $285,000 | $72,000 | $197,000 |
| Cash-out Refinancing | 9 | $1,125,000 | $125,000 | $215,000 | $83,000 | $230,000 |
| Other Purpose | 4 | $230,000 | $57,000 | $95,000 | $129,000 | $166,000 |
| Home Improvement | 2 | $170,000 | $85,000 | $125,000 | $88,000 | $144,000 |
| 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 | 64 | $5,960,000 | $93,000 | $285,000 | $72,000 | $392,000 |
| Hispanic | 10 | $700,000 | $70,000 | $215,000 | $61,000 | $128,000 |
| Not applicable | 9 | $525,000 | $58,000 | $105,000 | $0 | $0 |
| Not Provided | 7 | $665,000 | $95,000 | $135,000 | $66,000 | $88,000 |
| Black or African American | 2 | $90,000 | $45,000 | $45,000 | $23,000 | $24,000 |
| American Indian or Alaskan Native | 2 | $110,000 | $55,000 | $65,000 | $82,000 | $144,000 |
| Asian | 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) | 62 | $5,290,000 | $85,000 | $285,000 | $80,000 | $392,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,265,000 | $74,000 | $145,000 | $46,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $900,000 | $75,000 | $145,000 | $45,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 3 | $595,000 | $198,000 | $215,000 | $54,000 | $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 | 40 | $3,720,000 | $93,000 | $215,000 | $81,000 | $392,000 |
| Application Denied By Financial Institution | 23 | $1,515,000 | $65,000 | $135,000 | $53,000 | $166,000 |
| Application Withdrawn By Applicant | 17 | $1,495,000 | $87,000 | $165,000 | $53,000 | $150,000 |
| Loan Purchased By The Institution | 10 | $940,000 | $94,000 | $285,000 | $131,000 | $197,000 |
| File Closed For Incompleteness | 2 | $280,000 | $140,000 | $215,000 | $70,000 | $88,000 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $35,000 | $35,000 |
| Preapproval Approved but not Accepted | 1 | $45,000 | $45,000 | $45,000 | $79,000 | $79,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 58 | $5,450,000 | $93,000 | $285,000 | $68,000 | $197,000 |
| Debt-To-Income Ratio | 27 | $2,035,000 | $75,000 | $165,000 | $74,000 | $392,000 |
| Credit History | 3 | $255,000 | $85,000 | $125,000 | $51,000 | $79,000 |
| Credit Application Incomplete | 2 | $110,000 | $55,000 | $65,000 | $91,000 | $144,000 |
| Other | 2 | $110,000 | $55,000 | $65,000 | $43,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $38,000 | $38,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $166,000 | $166,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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