Edwards County, KS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 51 mortgage applications in Edwards County, KS totaling $4.3 million, up 6% from 2022. The average application was for $85,000, and applicants reported an average income of $99,000. 43% of applications resulted in an originated loan and 27% were denied. The most active lender was Farmers Bank & Trust, with 9 applications, followed by Golden Plains Credit Union and Discover 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 | 51 |
| Total Mortgage Loan Application Amount | $4,335,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $385,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $1,143,000 |
| 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 |
* | $ 977,048,000 | 9 | $ 425,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 942,923,000 | 4 | $ 580,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 4 | $ 180,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 530,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 385,000 |
| Gnbank, N.A. 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 938,981,000 | 3 | $ 145,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 4,976,744,000 | 3 | $ 85,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 1,405,806,000 | 3 | $ 315,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 160,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 2 | $ 150,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 1,498,800,000 | 2 | $ 140,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 2 | $ 220,000 |
| Quantum Credit Union 6300 W 21ST ST N WICHITA, KS 67205 |
* | $ 149,829,000 | 1 | $ 65,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 385,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 65,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 1 | $ 15,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 1 | $ 75,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 967,774,000 | 1 | $ 65,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 185,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 65,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 65,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 35,000 |
The tables below break down 2023 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 2023
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 | 37 | $3,825,000 | $103,000 | $385,000 | $116,000 | $1,143,000 |
| Home Improvement | 8 | $280,000 | $35,000 | $75,000 | $70,000 | $170,000 |
| Other Purpose | 3 | $135,000 | $45,000 | $65,000 | $50,000 | $102,000 |
| Refinancing | 2 | $60,000 | $30,000 | $45,000 | $43,000 | $46,000 |
| Cash-out Refinancing | 1 | $35,000 | $35,000 | $35,000 | $55,000 | $55,000 |
| 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 | 32 | $3,140,000 | $98,000 | $385,000 | $120,000 | $1,143,000 |
| Hispanic | 12 | $490,000 | $40,000 | $75,000 | $45,000 | $96,000 |
| Not applicable | 5 | $605,000 | $121,000 | $265,000 | $0 | $0 |
| Not Provided | 1 | $65,000 | $65,000 | $65,000 | $56,000 | $56,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $70,000 | $70,000 |
| 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) | 34 | $2,550,000 | $75,000 | $385,000 | $111,000 | $1,143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $760,000 | $76,000 | $165,000 | $50,000 | $114,000 |
| FHA-insured (Federal Housing Administration) | 6 | $840,000 | $140,000 | $265,000 | $79,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 1 | $185,000 | $185,000 | $185,000 | $112,000 | $112,000 |
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 | 22 | $1,910,000 | $86,000 | $385,000 | $130,000 | $1,143,000 |
| Application Denied By Financial Institution | 14 | $1,230,000 | $87,000 | $355,000 | $71,000 | $178,000 |
| Application Withdrawn By Applicant | 7 | $415,000 | $59,000 | $125,000 | $73,000 | $96,000 |
| Loan Purchased By The Institution | 5 | $605,000 | $121,000 | $265,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $100,000 | $50,000 | $85,000 | $44,000 | $52,000 |
| Application Approved But Not Accepted | 1 | $75,000 | $75,000 | $75,000 | $72,000 | $72,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 36 | $3,040,000 | $84,000 | $385,000 | $108,000 | $1,143,000 |
| Collateral | 7 | $355,000 | $50,000 | $125,000 | $75,000 | $170,000 |
| Credit History | 4 | $320,000 | $80,000 | $165,000 | $42,000 | $114,000 |
| Debt-To-Income Ratio | 3 | $545,000 | $181,000 | $355,000 | $113,000 | $214,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $178,000 | $178,000 |
| Other | 0 | $0 | $0 | $0 | $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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