Elk County, KS Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 41 mortgage applications in Elk County, KS totaling $3.7 million, up 41% from 2015. The average application was for $90,000, and applicants reported an average income of $61,000. 46% of applications resulted in an originated loan and 24% were denied. The most active lender was Skyward Credit Union, with 5 applications, followed by Firstoak Bank and Wells Fargo 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 | $3,713,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $360,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $276,000 |
| 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 |
* | $ 257,358,000 | 5 | $ 115,000 |
| Firstoak Bank 113 N PENN AVE, PO BOX 868 INDEPENDENCE, KS 67301 |
* | $ 111,118,000 | 3 | $ 627,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 3 | $ 336,000 |
| Rose Hill Bank 107 N ROSE HILL RD ROSE HILL, KS 67133 |
* | $ 351,272,000 | 3 | $ 138,000 |
| First Bank of Newton 128 E BROADWAY NEWTON, KS 67114 |
* | $ 188,591,000 | 2 | $ 255,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 52,000 |
| White Eagle Credit Union 2830 OHIO AUGUSTA, KS 67010 |
* | $ 92,803,000 | 1 | $ 95,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 360,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ 264,697,000 | 1 | $ 42,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 184,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 45,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 4,097,252,000 | 1 | $ 67,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 367,680,000 | 1 | $ 45,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 1,589,071,000 | 1 | $ 27,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 118,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 94,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 186,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 65,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 184,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,561,937,000 | 1 | $ 101,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 247,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 4,416,352,000 | 1 | $ 54,000 |
| Gsf Mortgage Corp 15430 W CAPITOL DRIVE BROOKFIELD, WI 53005 |
* | $ 10,000,000 | 1 | $ 66,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 567,648,000 | 1 | $ 32,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 38,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 936,842,000 | 1 | $ 23,000 |
The tables below break down 2016 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 2016
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 | 19 | $1,457,000 | $76,000 | $335,000 | $78,000 | $276,000 |
| Refinancing | 16 | $2,104,000 | $131,000 | $360,000 | $47,000 | $137,000 |
| Home Improvement | 6 | $152,000 | $25,000 | $54,000 | $44,000 | $116,000 |
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 | 32 | $2,971,000 | $92,000 | $360,000 | $61,000 | $141,000 |
| Not Provided | 6 | $477,000 | $79,000 | $219,000 | $88,000 | $276,000 |
| Not applicable | 2 | $229,000 | $114,000 | $184,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $36,000 | $36,000 | $36,000 | $30,000 | $30,000 |
| 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 Hawaiin 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) | 25 | $2,078,000 | $83,000 | $360,000 | $80,000 | $276,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,083,000 | $154,000 | $247,000 | $29,000 | $109,000 |
| FHA-insured (Federal Housing Administration) | 6 | $396,000 | $66,000 | $118,000 | $36,000 | $51,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $156,000 | $52,000 | $66,000 | $25,000 | $57,000 |
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 | 19 | $1,855,000 | $97,000 | $335,000 | $63,000 | $276,000 |
| Application Denied By Financial Institution | 10 | $740,000 | $74,000 | $360,000 | $65,000 | $141,000 |
| Application Withdrawn By Applicant | 3 | $148,000 | $49,000 | $67,000 | $73,000 | $116,000 |
| File Closed For Incompleteness | 3 | $471,000 | $157,000 | $247,000 | $43,000 | $84,000 |
| Application Approved But Not Accepted | 3 | $238,000 | $79,000 | $101,000 | $95,000 | $137,000 |
| Loan Purchased By The Institution | 3 | $261,000 | $87,000 | $184,000 | $7,000 | $22,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 3 | $154,000 | $51,000 | $60,000 | $111,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $51,000 | $25,000 | $29,000 | $44,000 | $53,000 |
| Other | 1 | $26,000 | $26,000 | $26,000 | $26,000 | $26,000 |
| Credit History | 1 | $18,000 | $18,000 | $18,000 | $55,000 | $55,000 |
| Debt-To-Income Ratio | 1 | $360,000 | $360,000 | $360,000 | $37,000 | $37,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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