Elk County, KS Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 35 mortgage applications in Elk County, KS totaling $2.9 million, up 3% from 2012. The average application was for $83,000, and applicants reported an average income of $62,000. 40% of applications resulted in an originated loan and 29% were denied. The most active lender was Skyward Credit Union, with 5 applications, followed by Wells Fargo Bank NA and Shoreham 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 | 35 |
| Total Mortgage Loan Application Amount | $2,939,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $280,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $182,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Skyward Credit Union 4 CESSNA BLVD WICHITA, KS 67215 |
* | $ 224,564,000 | 5 | $ 293,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 4 | $ 800,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 196,979,000 | 3 | $ 19,000 |
| Carson Bank 122 W MAIN PO BOX 158 MULVANE, KS 67110 |
* | $ 94,129,000 | 2 | $ 161,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 822,819,000 | 2 | $ 263,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 2 | $ 104,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 838,682,000 | 2 | $ 199,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 46,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 1 | $ 44,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 1 | $ 32,000 |
| Vectra Bank Colorado, NA 7800 E. DORADO PLACE, SUITE 100 GREENWOOD VILLAGE, CO 80111 |
* | $ 2,510,586,000 | 1 | $ 62,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 2,114,413,000 | 1 | $ 80,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 4,319,939,000 | 1 | $ 28,000 |
| Home Bank & Trust Co. 217 N. MAIN EUREKA, KS 67045 |
* | $ 88,860,000 | 1 | $ 116,000 |
| Meridian Bank 9 OLD LINCOLN HIGHWAY MALVERN, PA 19355 |
* | $ 444,232,000 | 1 | $ 240,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 1 | $ 31,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 119,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 15,000 |
| White Eagle Credit Union 2830 OHIO AUGUSTA, KS 67010 |
* | $ 82,897,000 | 1 | $ 124,000 |
The tables below break down 2013 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 2013
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 | 20 | $1,604,000 | $80,000 | $280,000 | $66,000 | $182,000 |
| Refinancing | 12 | $1,316,000 | $109,000 | $240,000 | $63,000 | $175,000 |
| Home Improvement | 3 | $19,000 | $6,000 | $7,000 | $33,000 | $33,000 |
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 | 29 | $2,477,000 | $85,000 | $280,000 | $69,000 | $182,000 |
| Not applicable | 3 | $213,000 | $71,000 | $81,000 | $0 | $0 |
| Not Provided | 2 | $161,000 | $80,000 | $109,000 | $70,000 | $90,000 |
| Hispanic | 1 | $88,000 | $88,000 | $88,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 24 | $2,148,000 | $89,000 | $280,000 | $73,000 | $182,000 |
| FHA-insured (Federal Housing Administration) | 7 | $200,000 | $28,000 | $52,000 | $41,000 | $83,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $111,000 | $55,000 | $60,000 | $22,000 | $26,000 |
| VA-guaranteed (Veterans Administration) | 2 | $480,000 | $240,000 | $240,000 | $48,000 | $48,000 |
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 | 14 | $1,195,000 | $85,000 | $240,000 | $60,000 | $121,000 |
| Application Denied By Financial Institution | 10 | $806,000 | $80,000 | $280,000 | $55,000 | $142,000 |
| Application Approved But Not Accepted | 4 | $262,000 | $65,000 | $95,000 | $90,000 | $182,000 |
| Application Withdrawn By Applicant | 3 | $280,000 | $93,000 | $228,000 | $97,000 | $175,000 |
| File Closed For Incompleteness | 2 | $104,000 | $52,000 | $60,000 | $45,000 | $73,000 |
| Loan Purchased By The Institution | 2 | $292,000 | $146,000 | $240,000 | $24,000 | $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 | 3 | $114,000 | $38,000 | $80,000 | $57,000 | $88,000 |
| Collateral | 2 | $319,000 | $159,000 | $280,000 | $90,000 | $142,000 |
| Debt-To-Income Ratio | 1 | $27,000 | $27,000 | $27,000 | $27,000 | $27,000 |
| Employment History | 1 | $51,000 | $51,000 | $51,000 | $26,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $52,000 | $52,000 | $52,000 | $50,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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