Elk County, KS Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 38 mortgage applications in Elk County, KS totaling $4.4 million, up 31% from 2020. The average application was for $115,000, and applicants reported an average income of $74,000. 42% of applications resulted in an originated loan and 13% were denied. The most active lender was Meritrust Federal Credit Union, with 3 applications, followed by Community National Bank & Trust and Credit Union of America.
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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 | 38 |
| Total Mortgage Loan Application Amount | $4,390,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $435,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $195,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 1,266,155,000 | 3 | $ 355,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 1,323,331,000 | 3 | $ 275,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 985,502,000 | 2 | $ 120,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 120,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 140,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 2 | $ 60,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 2 | $ 90,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 65,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 35,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 325,000 |
| American Heritage Bank PO BOX 1408/2 SOUTH MAIN SAPULPA, OK 74066 |
* | $ 1,149,364,000 | 1 | $ 335,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 3,946,120,000 | 1 | $ 55,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 105,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 3,176,415,000 | 1 | $ 55,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 55,000 |
| Firstoak Bank 113 N PENN AVE, PO BOX 868 INDEPENDENCE, KS 67301 |
* | $ 186,144,000 | 1 | $ 145,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 674,892,000 | 1 | $ 215,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 205,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 235,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 1 | $ 205,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 55,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 105,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 435,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 115,000 |
| Home Bank & Trust Co. 217 N. MAIN EUREKA, KS 67045 |
* | $ 111,659,000 | 1 | $ 55,000 |
The tables below break down 2021 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 2021
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 | 22 | $2,530,000 | $115,000 | $435,000 | $72,000 | $126,000 |
| Refinancing | 8 | $1,240,000 | $155,000 | $335,000 | $96,000 | $195,000 |
| Cash-out Refinancing | 5 | $535,000 | $107,000 | $275,000 | $89,000 | $125,000 |
| Other Purpose | 3 | $85,000 | $28,000 | $35,000 | $27,000 | $47,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 31 | $3,795,000 | $122,000 | $435,000 | $78,000 | $195,000 |
| Not applicable | 3 | $265,000 | $88,000 | $145,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $24,000 | $24,000 |
| Black or African American | 1 | $45,000 | $45,000 | $45,000 | $50,000 | $50,000 |
| Hispanic | 1 | $175,000 | $175,000 | $175,000 | $47,000 | $47,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $35,000 | $35,000 | $35,000 | $47,000 | $47,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 23 | $2,705,000 | $117,000 | $335,000 | $81,000 | $195,000 |
| VA-guaranteed (Veterans Administration) | 7 | $935,000 | $133,000 | $435,000 | $64,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $615,000 | $123,000 | $325,000 | $71,000 | $104,000 |
| FHA-insured (Federal Housing Administration) | 3 | $135,000 | $45,000 | $45,000 | $42,000 | $50,000 |
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 | 16 | $2,290,000 | $143,000 | $335,000 | $90,000 | $195,000 |
| Application Withdrawn By Applicant | 9 | $1,085,000 | $120,000 | $435,000 | $61,000 | $112,000 |
| File Closed For Incompleteness | 5 | $655,000 | $131,000 | $325,000 | $77,000 | $113,000 |
| Application Denied By Financial Institution | 5 | $205,000 | $41,000 | $55,000 | $55,000 | $126,000 |
| Loan Purchased By The Institution | 2 | $120,000 | $60,000 | $65,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $35,000 | $35,000 | $35,000 | $47,000 | $47,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 31 | $3,705,000 | $119,000 | $435,000 | $73,000 | $125,000 |
| Collateral | 2 | $100,000 | $50,000 | $55,000 | $88,000 | $126,000 |
| Debt-To-Income Ratio | 2 | $480,000 | $240,000 | $335,000 | $195,000 | $195,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $3,000 | $3,000 |
| Credit History | 1 | $55,000 | $55,000 | $55,000 | $65,000 | $65,000 |
| Other | 1 | $15,000 | $15,000 | $15,000 | $31,000 | $31,000 |
| Unverifiable Information | 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 |
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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