Ellsworth County, KS Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 77 mortgage applications in Ellsworth County, KS totaling $6.0 million, down 34% from 2008. The average application was for $78,000, and applicants reported an average income of $51,000. 52% of applications resulted in an originated loan and 21% were denied. The most active lender was Sunflower Bank, N.A., with 12 applications, followed by Embrace Home Loans, Inc. 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 | 77 |
| Total Mortgage Loan Application Amount | $6,047,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $297,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $222,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,647,527,000 | 12 | $ 1,050,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 681,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 7 | $ 542,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 6 | $ 448,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 250,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 4 | $ 83,000 |
| Security Savings Bank, FSB 11599 RIDGEVIEW RD OLATHE, KS 66061 |
* | $ 650,847,000 | 3 | $ 331,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 600,135,000 | 3 | $ 192,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 2 | $ 257,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 244,000 |
| Citizens Bank of Kansas, N.A. 300 N MAIN KINGMAN, KS 67068 |
* | $ 240,092,000 | 2 | $ 191,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 2 | $ 191,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 2 | $ 184,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 2 | $ 93,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 901,102,000 | 1 | $ 163,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 497,957,000 | 1 | $ 55,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 5,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 368,229,000 | 1 | $ 72,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 1 | $ 151,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 10,210,879,000 | 1 | $ 100,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 861,403,000 | 1 | $ 99,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 37,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 285,786,000 | 1 | $ 17,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ 118,504,000 | 1 | $ 67,000 |
| Gateway Mortgage Group LLC 6910 E 14TH ST TULSA, OK 74112 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 195,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 1 | $ 12,000 |
The tables below break down 2009 mortgage applications in Ellsworth 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 Ellsworth County, KS in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 55 | $4,977,000 | $90,000 | $297,000 | $51,000 | $222,000 |
| Home Purchase | 13 | $783,000 | $60,000 | $142,000 | $42,000 | $90,000 |
| Home Improvement | 9 | $287,000 | $31,000 | $120,000 | $67,000 | $102,000 |
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 | 63 | $5,153,000 | $81,000 | $297,000 | $54,000 | $222,000 |
| Not Provided | 7 | $573,000 | $81,000 | $213,000 | $32,000 | $96,000 |
| Not applicable | 5 | $271,000 | $54,000 | $99,000 | $38,000 | $73,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $42,000 | $42,000 |
| Hispanic | 1 | $15,000 | $15,000 | $15,000 | $92,000 | $92,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 48 | $3,684,000 | $76,000 | $297,000 | $60,000 | $222,000 |
| FHA-insured (Federal Housing Administration) | 20 | $1,658,000 | $82,000 | $213,000 | $39,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $578,000 | $82,000 | $142,000 | $31,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 2 | $127,000 | $63,000 | $72,000 | $23,000 | $46,000 |
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 | 40 | $3,246,000 | $81,000 | $297,000 | $60,000 | $222,000 |
| Application Denied By Financial Institution | 16 | $1,173,000 | $73,000 | $213,000 | $52,000 | $100,000 |
| Loan Purchased By The Institution | 12 | $918,000 | $76,000 | $145,000 | $38,000 | $78,000 |
| Application Withdrawn By Applicant | 6 | $440,000 | $73,000 | $100,000 | $24,000 | $32,000 |
| Application Approved But Not Accepted | 2 | $235,000 | $117,000 | $142,000 | $28,000 | $56,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $42,000 | $42,000 |
| 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 | 2 | $79,000 | $39,000 | $67,000 | $50,000 | $100,000 |
| Debt-To-Income Ratio | 2 | $152,000 | $76,000 | $100,000 | $41,000 | $65,000 |
| Collateral | 2 | $251,000 | $125,000 | $145,000 | $57,000 | $91,000 |
| Credit Application Incomplete | 1 | $15,000 | $15,000 | $15,000 | $92,000 | $92,000 |
| Other | 1 | $102,000 | $102,000 | $102,000 | $56,000 | $56,000 |
| 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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