Elk County, KS Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 68 mortgage applications in Elk County, KS totaling $3.8 million, down 22% from 2006. The average application was for $55,000, and applicants reported an average income of $60,000. 50% of applications resulted in an originated loan and 28% were denied. The most active lender was Bank of America, N.A., with 5 applications, followed by Beneficial Company LLC and Citimortgage, 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 | 68 |
| Total Mortgage Loan Application Amount | $3,773,000 |
| Average Mortgage Loan Application Amount | $55,000 |
| Highest Mortgage Loan Application Amount | $278,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $180,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 5 | $ 216,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 5 | $ 141,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 268,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 4 | $ 248,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 426,490,000 | 4 | $ 58,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 3,309,283,000 | 3 | $ 82,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 254,471,000 | 3 | $ 109,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 3 | $ 360,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,595,722,000 | 2 | $ 27,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 30,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 97,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 2 | $ 75,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 2 | $ 86,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 2 | $ 146,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 150,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 236,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 2 | $ 156,000 |
| Home National Bank 126 S SUMMIT ARKANSAS CITY, KS 67005 |
* | $ 876,186,000 | 1 | $ 137,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 88,081,220,000 | 1 | $ 21,000 |
| Wells Fargo Fin'l Kansas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 40,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 106,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 1 | $ 40,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 1 | $ 31,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 1 | $ 44,000 |
| Citizens Bank of Kansas, N.A. 300 N MAIN KINGMAN, KS 67068 |
* | $ 144,020,000 | 1 | $ 70,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 30,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 55,642,936,000 | 1 | $ 10,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,078,919,000 | 1 | $ 38,000 |
| Princeville State Bank 142 E. MAIN STREET PRINCEVILLE, IL 61559 |
* | $ 50,711,000 | 1 | $ 118,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 1 | $ 166,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 26,048,419,000 | 1 | $ 74,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 1 | $ 85,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 30,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 41,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 162,569,000 | 1 | $ 109,000 |
| Central Star Credit Union 9555 CORPORATE HILLS DR WICHITA, KS 67207 |
* | $ 53,806,000 | 1 | $ 98,000 |
The tables below break down 2007 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 2007
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 | 29 | $1,887,000 | $65,000 | $166,000 | $73,000 | $180,000 |
| Refinancing | 26 | $1,384,000 | $53,000 | $137,000 | $46,000 | $117,000 |
| Home Improvement | 13 | $502,000 | $38,000 | $278,000 | $58,000 | $101,000 |
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 | 46 | $2,587,000 | $56,000 | $278,000 | $55,000 | $180,000 |
| Not Provided | 13 | $661,000 | $50,000 | $136,000 | $76,000 | $180,000 |
| American Indian or Alaskan Native | 5 | $287,000 | $57,000 | $106,000 | $80,000 | $128,000 |
| Not applicable | 2 | $105,000 | $52,000 | $74,000 | $44,000 | $89,000 |
| Black or African American | 1 | $35,000 | $35,000 | $35,000 | $10,000 | $10,000 |
| Hispanic | 1 | $98,000 | $98,000 | $98,000 | $61,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 64 | $3,553,000 | $55,000 | $278,000 | $62,000 | $180,000 |
| FHA-insured (Federal Housing Administration) | 4 | $220,000 | $55,000 | $123,000 | $27,000 | $72,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $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 | 34 | $2,023,000 | $59,000 | $278,000 | $51,000 | $101,000 |
| Application Denied By Financial Institution | 19 | $1,100,000 | $57,000 | $166,000 | $61,000 | $180,000 |
| Application Approved But Not Accepted | 6 | $113,000 | $18,000 | $30,000 | $72,000 | $180,000 |
| Application Withdrawn By Applicant | 5 | $303,000 | $60,000 | $136,000 | $116,000 | $180,000 |
| Loan Purchased By The Institution | 4 | $234,000 | $58,000 | $74,000 | $37,000 | $89,000 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $306,000 | $76,000 | $166,000 | $87,000 | $180,000 |
| Other | 4 | $346,000 | $86,000 | $106,000 | $62,000 | $79,000 |
| Credit Application Incomplete | 1 | $50,000 | $50,000 | $50,000 | $47,000 | $47,000 |
| Credit History | 1 | $35,000 | $35,000 | $35,000 | $9,000 | $9,000 |
| Debt-To-Income Ratio | 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 |
| 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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