Elk County, KS Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 29 mortgage applications in Elk County, KS totaling $1.8 million, down 29% from 2016. The average application was for $63,000, and applicants reported an average income of $44,000. 41% of applications resulted in an originated loan and 28% were denied. The most active lender was Freedom Mortgage Corporation, with 3 applications, followed by Community National Bank & Trust and Landmark National 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 | 29 |
| Total Mortgage Loan Application Amount | $1,838,000 |
| Average Mortgage Loan Application Amount | $63,000 |
| Highest Mortgage Loan Application Amount | $180,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $124,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 220,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 961,241,000 | 2 | $ 158,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 909,392,000 | 2 | $ 78,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 2 | $ 20,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 126,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 1 | $ 58,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 65,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 1 | $ 39,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 105,000 |
| Community Bank P.O. BOX 1020 BRISTOW, OK 74010 |
* | $ 81,680,000 | 1 | $ 152,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 1 | $ 5,000 |
| Citizens Bank of Kansas 300 N MAIN ST KINGMAN, KS 67068 |
* | $ 226,175,000 | 1 | $ 33,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 66,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,870,076,000 | 1 | $ 120,000 |
| Legacy Bank 3711 N RIDGE RD WICHITA, KS 67205 |
* | $ 328,744,000 | 1 | $ 180,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 58,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 3,000 |
| Cornerstone Mortgage, Inc. 17280 NORTH OUTER 40 RD. CHESTERFIELD, MO 63005 |
* | $ -1,000 | 1 | $ 120,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 1 | $ 24,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 2,789,402,000 | 1 | $ 1,000 |
| The Valley State Bank 502 N MERCHANT BELLE PLAINE, KS 67013 |
* | $ 120,813,000 | 1 | $ 32,000 |
| Home Bank & Trust Co. 217 N. MAIN EUREKA, KS 67045 |
* | $ 97,033,000 | 1 | $ 135,000 |
The tables below break down 2017 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 2017
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 | $1,422,000 | $71,000 | $180,000 | $44,000 | $124,000 |
| Refinancing | 5 | $390,000 | $78,000 | $105,000 | $39,000 | $53,000 |
| Home Improvement | 4 | $26,000 | $6,000 | $10,000 | $47,000 | $61,000 |
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 | 23 | $1,288,000 | $56,000 | $152,000 | $46,000 | $124,000 |
| Not Provided | 3 | $273,000 | $91,000 | $120,000 | $48,000 | $50,000 |
| Not applicable | 2 | $97,000 | $48,000 | $58,000 | $0 | $0 |
| Asian | 1 | $180,000 | $180,000 | $180,000 | $69,000 | $69,000 |
| 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 |
| American Indian or Alaskan Native | 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) | 20 | $1,337,000 | $66,000 | $180,000 | $46,000 | $124,000 |
| FHA-insured (Federal Housing Administration) | 6 | $302,000 | $50,000 | $76,000 | $43,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 2 | $133,000 | $66,000 | $93,000 | $21,000 | $24,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $66,000 | $66,000 | $66,000 | $61,000 | $61,000 |
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 | 12 | $725,000 | $60,000 | $180,000 | $51,000 | $124,000 |
| Application Denied By Financial Institution | 8 | $368,000 | $46,000 | $106,000 | $29,000 | $53,000 |
| Loan Purchased By The Institution | 3 | $217,000 | $72,000 | $120,000 | $16,000 | $50,000 |
| Application Withdrawn By Applicant | 2 | $186,000 | $93,000 | $135,000 | $55,000 | $66,000 |
| File Closed For Incompleteness | 2 | $163,000 | $81,000 | $105,000 | $64,000 | $78,000 |
| Application Approved But Not Accepted | 2 | $179,000 | $89,000 | $140,000 | $75,000 | $88,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $75,000 | $37,000 | $65,000 | $39,000 | $50,000 |
| Credit History | 1 | $10,000 | $10,000 | $10,000 | $50,000 | $50,000 |
| Unverifiable Information | 1 | $5,000 | $5,000 | $5,000 | $30,000 | $30,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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