Elk County, KS Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 87 mortgage applications in Elk County, KS totaling $4.5 million, down 2% from 2005. The average application was for $51,000, and applicants reported an average income of $40,000. 34% of applications resulted in an originated loan and 36% were denied. The most active lender was Gmac Mortgage LLC, with 7 applications, followed by Countrywide Home Loans and Hfc Company LLC.
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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 | 87 |
| Total Mortgage Loan Application Amount | $4,471,000 |
| Average Mortgage Loan Application Amount | $51,000 |
| Highest Mortgage Loan Application Amount | $242,000 |
| Average Applicant Income | $40,000 |
| Highest Applicant Income | $200,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 273,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 7 | $ 389,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 16,981,282,000 | 6 | $ 441,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 3,074,133,000 | 6 | $ 294,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 4 | $ 220,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 429,812,000 | 4 | $ 149,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,082,250,290,000 | 4 | $ 263,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 4 | $ 150,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 3 | $ 143,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 118,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,013,985,000,000 | 3 | $ 170,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 174,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 160,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 75,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 33,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Home National Bank 126 S SUMMIT ARKANSAS CITY, KS 67005 |
* | $ 828,026,000 | 1 | $ 242,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 1 | $ 60,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Citizens Bank of Kansas, N.A. 300 N MAIN KINGMAN, KS 67068 |
* | $ 150,920,000 | 1 | $ 18,000 |
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 7,093,902,000 | 1 | $ 8,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 73,116,292,000 | 1 | $ 77,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000 | 1 | $ 55,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 4,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 23,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 14,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 10,000,000 | 1 | $ 34,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 15,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 39,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 99,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,054,001,000 | 1 | $ 27,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 1 | $ 96,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 240,529,000 | 1 | $ 30,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,697,483,000 | 1 | $ 5,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 1 | $ 77,000 |
| Kanza Bank 2233 N GREENWICH RD WICHITA, KS 67226 |
* | $ 150,486,000 | 1 | $ 33,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 796,971,000 | 1 | $ 15,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 55,157,645,000 | 1 | $ 20,000 |
| Discover Bank 502 EAST MARKET STREET GREENWOOD, DE 19950 |
* | $ 23,661,567,000 | 1 | $ 15,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 66,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 1 | $ 55,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 59,000 |
The tables below break down 2006 mortgage applications in Elk 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 Elk County, KS in 2006
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 | 43 | $2,846,000 | $66,000 | $242,000 | $45,000 | $200,000 |
| Home Purchase | 30 | $1,212,000 | $40,000 | $96,000 | $35,000 | $127,000 |
| Home Improvement | 14 | $413,000 | $29,000 | $90,000 | $37,000 | $76,000 |
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 | 65 | $3,422,000 | $52,000 | $242,000 | $45,000 | $200,000 |
| Not Provided | 18 | $852,000 | $47,000 | $99,000 | $26,000 | $49,000 |
| American Indian or Alaskan Native | 2 | $30,000 | $15,000 | $25,000 | $27,000 | $30,000 |
| Hispanic | 1 | $90,000 | $90,000 | $90,000 | $0 | $0 |
| Not applicable | 1 | $77,000 | $77,000 | $77,000 | $64,000 | $64,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 81 | $4,132,000 | $51,000 | $242,000 | $41,000 | $200,000 |
| FHA-insured (Federal Housing Administration) | 4 | $221,000 | $55,000 | $96,000 | $41,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $73,000 | $73,000 | $73,000 | $34,000 | $34,000 |
| VA-guaranteed (Veterans Administration) | 1 | $45,000 | $45,000 | $45,000 | $28,000 | $28,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 31 | $1,269,000 | $40,000 | $95,000 | $31,000 | $76,000 |
| Loan Originated | 30 | $1,723,000 | $57,000 | $242,000 | $46,000 | $127,000 |
| Application Withdrawn By Applicant | 13 | $786,000 | $60,000 | $99,000 | $45,000 | $112,000 |
| Application Approved But Not Accepted | 6 | $321,000 | $53,000 | $99,000 | $61,000 | $200,000 |
| Loan Purchased By The Institution | 4 | $229,000 | $57,000 | $77,000 | $32,000 | $64,000 |
| File Closed For Incompleteness | 3 | $143,000 | $47,000 | $73,000 | $35,000 | $48,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 7 | $224,000 | $32,000 | $59,000 | $35,000 | $76,000 |
| Credit Application Incomplete | 4 | $230,000 | $57,000 | $63,000 | $35,000 | $55,000 |
| Other | 4 | $169,000 | $42,000 | $90,000 | $20,000 | $41,000 |
| Collateral | 3 | $172,000 | $57,000 | $75,000 | $21,000 | $45,000 |
| Debt-To-Income Ratio | 2 | $24,000 | $12,000 | $20,000 | $14,000 | $16,000 |
| 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 |
| 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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