Elk County, KS Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 23 mortgage applications in Elk County, KS totaling $1.7 million, down 21% from 2017. The average application was for $74,000, and applicants reported an average income of $52,000. 39% of applications resulted in an originated loan and 39% were denied. The most active lender was Mortgage Investment Services Corporation, with 3 applications, followed by Discover Bank and Emprise 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 | 23 |
| Total Mortgage Loan Application Amount | $1,705,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $120,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 3 | $ 95,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 70,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,767,492,000 | 2 | $ 40,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 962,643,000 | 2 | $ 40,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 20,030,342,000 | 1 | $ 105,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 145,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 1 | $ 355,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 85,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 1 | $ 15,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 75,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 75,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 805,442,000 | 1 | $ 35,000 |
| Kansas State University Federal Credit Union 601 MCCALL ROAD MANHATTAN, KS 66502 |
* | $ 83,743,000 | 1 | $ 115,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 35,000 |
| Skyward Credit Union 4 CESSNA BLVD WICHITA, KS 67215 |
* | $ 279,172,000 | 1 | $ 15,000 |
| Home Bank & Trust Co. 217 N. MAIN EUREKA, KS 67045 |
* | $ 98,855,000 | 1 | $ 105,000 |
The tables below break down 2018 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 2018
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 | 12 | $1,150,000 | $95,000 | $355,000 | $49,000 | $108,000 |
| Other Purpose | 4 | $130,000 | $32,000 | $55,000 | $52,000 | $100,000 |
| Refinancing | 3 | $185,000 | $61,000 | $75,000 | $80,000 | $120,000 |
| Cash-out Refinancing | 2 | $190,000 | $95,000 | $105,000 | $48,000 | $51,000 |
| Home Improvement | 2 | $50,000 | $25,000 | $35,000 | $53,000 | $79,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 18 | $1,320,000 | $73,000 | $355,000 | $48,000 | $108,000 |
| Not Provided | 3 | $275,000 | $91,000 | $245,000 | $55,000 | $96,000 |
| Not applicable | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $120,000 | $120,000 |
| 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) | 13 | $1,055,000 | $81,000 | $355,000 | $62,000 | $120,000 |
| FHA-insured (Federal Housing Administration) | 7 | $555,000 | $79,000 | $145,000 | $43,000 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $95,000 | $31,000 | $35,000 | $31,000 | $44,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 9 | $485,000 | $53,000 | $145,000 | $29,000 | $51,000 |
| Loan Originated | 9 | $705,000 | $78,000 | $245,000 | $69,000 | $120,000 |
| Loan Purchased By The Institution | 2 | $430,000 | $215,000 | $355,000 | $96,000 | $96,000 |
| Application Approved But Not Accepted | 2 | $50,000 | $25,000 | $35,000 | $39,000 | $44,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $100,000 | $100,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 14 | $1,220,000 | $87,000 | $355,000 | $69,000 | $120,000 |
| Credit History | 4 | $170,000 | $42,000 | $85,000 | $32,000 | $45,000 |
| Collateral | 2 | $120,000 | $60,000 | $105,000 | $32,000 | $51,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $6,000 | $6,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $15,000 | $15,000 | $15,000 | $37,000 | $37,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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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