Ellsworth County, KS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 59 mortgage applications in Ellsworth County, KS totaling $6.8 million, down 17% from 2022. The average application was for $115,000, and applicants reported an average income of $87,000. 53% of applications resulted in an originated loan and 17% were denied. The most active lender was Golden Plains Credit Union, with 4 applications, followed by Navy Federal Credit Union 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 | 59 |
| Total Mortgage Loan Application Amount | $6,805,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $312,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 942,923,000 | 4 | $ 280,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 4 | $ 730,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 1,405,806,000 | 3 | $ 295,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 495,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 335,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 967,774,000 | 2 | $ 190,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 160,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 270,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 2 | $ 270,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 90,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 2 | $ 360,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 100,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 2 | $ 130,000 |
| Peoples Bank and Trust Co 101 S MAIN ST MCPHERSON, KS 67460 |
* | $ 1,014,460,000 | 1 | $ 25,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 95,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 125,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 215,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 165,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 75,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,121,085,000 | 1 | $ 155,000 |
| Flint Hills Bank PATRICK WIEDERHOLT - 103 1/2 N MAIN PO BOX 5 ESKRIDGE, KS 66423 |
* | $ 153,244,000 | 1 | $ 185,000 |
| Halstead Bank 314 MAIN ST HALSTEAD, KS 67056 |
* | $ 167,245,000 | 1 | $ 65,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 95,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 105,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 55,000 |
| Central Bank 1506 MARKET ST STE C180 LITTLE ROCK, AR 72211 |
* | $ 447,160,000 | 1 | $ 555,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 215,000 |
| Bank of Colorado 1609 EAST HARMONY RD FORT COLLINS, CO 80525 |
* | $ 6,600,477,000 | 1 | $ 65,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 31,679,817,000 | 1 | $ 5,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 25,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 125,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 25,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 1 | $ 95,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 75,000 |
The tables below break down 2023 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 2023
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 | 42 | $5,790,000 | $137,000 | $555,000 | $86,000 | $289,000 |
| Cash-out Refinancing | 7 | $445,000 | $63,000 | $115,000 | $56,000 | $93,000 |
| Other Purpose | 5 | $385,000 | $77,000 | $125,000 | $87,000 | $191,000 |
| Refinancing | 4 | $180,000 | $45,000 | $75,000 | $154,000 | $312,000 |
| Home Improvement | 1 | $5,000 | $5,000 | $5,000 | $32,000 | $32,000 |
| 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 | 44 | $4,910,000 | $111,000 | $555,000 | $89,000 | $312,000 |
| Not applicable | 7 | $935,000 | $133,000 | $215,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $535,000 | $178,000 | $205,000 | $64,000 | $73,000 |
| Hispanic | 2 | $200,000 | $100,000 | $105,000 | $129,000 | $204,000 |
| Not Provided | 2 | $200,000 | $100,000 | $125,000 | $49,000 | $69,000 |
| Black or African American | 1 | $25,000 | $25,000 | $25,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 35 | $3,905,000 | $111,000 | $555,000 | $95,000 | $312,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,775,000 | $136,000 | $215,000 | $62,000 | $85,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,125,000 | $102,000 | $195,000 | $78,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 31 | $3,825,000 | $123,000 | $555,000 | $90,000 | $312,000 |
| Application Denied By Financial Institution | 10 | $900,000 | $90,000 | $205,000 | $65,000 | $191,000 |
| Loan Purchased By The Institution | 7 | $935,000 | $133,000 | $215,000 | $0 | $0 |
| Application Withdrawn By Applicant | 6 | $860,000 | $143,000 | $225,000 | $114,000 | $289,000 |
| File Closed For Incompleteness | 3 | $135,000 | $45,000 | $55,000 | $88,000 | $130,000 |
| Application Approved But Not Accepted | 2 | $150,000 | $75,000 | $95,000 | $55,000 | $57,000 |
| 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 | 46 | $5,650,000 | $122,000 | $555,000 | $86,000 | $289,000 |
| Credit History | 5 | $505,000 | $101,000 | $205,000 | $80,000 | $191,000 |
| Debt-To-Income Ratio | 4 | $440,000 | $110,000 | $185,000 | $156,000 | $312,000 |
| Unverifiable Information | 2 | $110,000 | $55,000 | $75,000 | $23,000 | $30,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $35,000 | $35,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $63,000 | $63,000 |
| Collateral | 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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