Edwards County, KS Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 48 mortgage applications in Edwards County, KS totaling $4.3 million, down 49% from 2021. The average application was for $88,000, and applicants reported an average income of $72,000. 52% of applications resulted in an originated loan and 19% were denied. The most active lender was Gnbank, N.A., with 6 applications, followed by Farmers Bank & Trust and Bank of the West.
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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 | 48 |
| Total Mortgage Loan Application Amount | $4,270,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $256,000 |
Top Mortgage Lenders in Edwards County, KS (2022)
Ranked by the number of mortgage applications each lender reported in Edwards County, KS in 2022.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Gnbank, N.A. Girard, KS |
6 | $650,000 | $108,000 | $67,000 |
| 2 | Farmers Bank & Trust Great Bend, KS |
5 | $375,000 | $75,000 | $93,000 |
| 3 | Bank of the West San Francisco, CA |
3 | $265,000 | $88,000 | $71,000 |
| 4 | Golden Plains Credit Union Garden City, KS |
3 | $215,000 | $71,000 | $52,000 |
| 5 | Wells Fargo Bank NA Minneapolis, MN |
2 | $100,000 | $50,000 | $46,000 |
| 6 | Leaderone Financial Corp. Overland Park, KS |
2 | $150,000 | $75,000 | $42,000 |
| 7 | 21st Mortgage Knoxville, TN |
2 | $230,000 | $115,000 | $57,000 |
| 8 | Caliber Home Loans, Inc. Wilmington, DE |
2 | $150,000 | $75,000 | $53,000 |
| 9 | Landmark National Bank Manhattan, KS |
2 | $180,000 | $90,000 | $68,000 |
| 10 | Equity Prime Mortgage LLC Atlanta, GA |
1 | $65,000 | $65,000 | $52,000 |
The tables below break down 2022 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 2022
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 | 25 | $2,185,000 | $87,000 | $175,000 | $68,000 | $256,000 |
| Cash-out Refinancing | 10 | $1,070,000 | $107,000 | $305,000 | $80,000 | $195,000 |
| Refinancing | 8 | $790,000 | $98,000 | $405,000 | $91,000 | $151,000 |
| Home Improvement | 4 | $180,000 | $45,000 | $105,000 | $27,000 | $34,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Other Purpose | 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 | 31 | $3,085,000 | $99,000 | $405,000 | $81,000 | $256,000 |
| Not Provided | 8 | $450,000 | $56,000 | $105,000 | $53,000 | $96,000 |
| Not applicable | 3 | $285,000 | $95,000 | $135,000 | $0 | $0 |
| Hispanic | 3 | $235,000 | $78,000 | $155,000 | $47,000 | $60,000 |
| Black or African American | 2 | $160,000 | $80,000 | $85,000 | $41,000 | $66,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $57,000 | $57,000 |
| 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) | 33 | $2,885,000 | $87,000 | $405,000 | $69,000 | $195,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,075,000 | $97,000 | $175,000 | $84,000 | $256,000 |
| VA-guaranteed (Veterans Administration) | 3 | $255,000 | $85,000 | $105,000 | $50,000 | $50,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $55,000 | $55,000 | $55,000 | $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 |
|---|---|---|---|---|---|---|
| Loan Originated | 25 | $1,925,000 | $77,000 | $175,000 | $77,000 | $256,000 |
| Application Denied By Financial Institution | 9 | $1,005,000 | $111,000 | $405,000 | $52,000 | $131,000 |
| File Closed For Incompleteness | 4 | $300,000 | $75,000 | $115,000 | $57,000 | $65,000 |
| Loan Purchased By The Institution | 4 | $330,000 | $82,000 | $135,000 | $35,000 | $35,000 |
| Application Approved But Not Accepted | 3 | $455,000 | $151,000 | $305,000 | $116,000 | $195,000 |
| Application Withdrawn By Applicant | 3 | $255,000 | $85,000 | $125,000 | $59,000 | $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 | $3,050,000 | $84,000 | $305,000 | $74,000 | $256,000 |
| Debt-To-Income Ratio | 7 | $465,000 | $66,000 | $115,000 | $70,000 | $151,000 |
| Other | 2 | $490,000 | $245,000 | $405,000 | $83,000 | $131,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $60,000 | $60,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $17,000 | $17,000 |
| 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 |
| Collateral | 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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