Elk County, KS Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 41 mortgage applications in Elk County, KS totaling $3.3 million, down 11% from 2008. The average application was for $81,000, and applicants reported an average income of $61,000. 44% of applications resulted in an originated loan and 32% were denied. The most active lender was Community National Bank & Trust, with 5 applications, followed by Wells Fargo Bank, NA and Intrust Bank, NA.
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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 | 41 |
| Total Mortgage Loan Application Amount | $3,326,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $343,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $800,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 601,669,000 | 5 | $ 508,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 3 | $ 191,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 3,480,952,000 | 2 | $ 160,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 2 | $ 316,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 2 | $ 324,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 6,000 |
| Andover State Bank 511 N ANDOVER ROAD, P O BOX 278 ANDOVER, KS 67002 |
* | $ 56,573,000 | 2 | $ 67,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 116,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 1 | $ 92,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 46,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 1 | $ 3,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 1 | $ 102,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 124,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 459,189,000 | 1 | $ 23,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 60,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 285,786,000 | 1 | $ 18,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 597,877,000 | 1 | $ 10,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 46,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 52,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 1 | $ 13,000 |
| Home Bank & Trust Co. 217 N. MAIN EUREKA, KS 67045 |
* | $ 71,099,000 | 1 | $ 165,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,258,434,000 | 1 | $ 150,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 1 | $ 94,000 |
| Cornerbank, N.A. 900 MAIN ST - PO BOX 545 WINFIELD, KS 67156 |
* | $ 239,063,000 | 1 | $ 13,000 |
| Citizens Bank of Kansas, N.A. 300 N MAIN KINGMAN, KS 67068 |
* | $ 240,092,000 | 1 | $ 17,000 |
| First National Bank 113 N PENN INDEPENDENCE, KS 67301 |
* | $ 76,910,000 | 1 | $ 6,000 |
The tables below break down 2009 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 2009
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 | 23 | $2,444,000 | $106,000 | $343,000 | $74,000 | $800,000 |
| Home Purchase | 10 | $545,000 | $54,000 | $94,000 | $37,000 | $92,000 |
| Home Improvement | 8 | $337,000 | $42,000 | $165,000 | $55,000 | $100,000 |
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 | 30 | $2,561,000 | $85,000 | $262,000 | $48,000 | $115,000 |
| Not Provided | 8 | $317,000 | $39,000 | $120,000 | $32,000 | $61,000 |
| Not applicable | 2 | $356,000 | $178,000 | $343,000 | $400,000 | $800,000 |
| American Indian or Alaskan Native | 1 | $92,000 | $92,000 | $92,000 | $22,000 | $22,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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 | $2,745,000 | $80,000 | $343,000 | $69,000 | $800,000 |
| FHA-insured (Federal Housing Administration) | 5 | $417,000 | $83,000 | $120,000 | $24,000 | $45,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $164,000 | $82,000 | $92,000 | $26,000 | $31,000 |
| 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 | 18 | $1,525,000 | $84,000 | $343,000 | $85,000 | $800,000 |
| Application Denied By Financial Institution | 13 | $900,000 | $69,000 | $240,000 | $33,000 | $61,000 |
| Application Withdrawn By Applicant | 8 | $585,000 | $73,000 | $150,000 | $56,000 | $115,000 |
| File Closed For Incompleteness | 1 | $72,000 | $72,000 | $72,000 | $31,000 | $31,000 |
| Loan Purchased By The Institution | 1 | $244,000 | $244,000 | $244,000 | $71,000 | $71,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | $266,000 | $38,000 | $120,000 | $34,000 | $61,000 |
| Debt-To-Income Ratio | 2 | $186,000 | $93,000 | $124,000 | $38,000 | $45,000 |
| Collateral | 2 | $332,000 | $166,000 | $240,000 | $37,000 | $52,000 |
| Credit Application Incomplete | 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 |
| Other | 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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