Ford County, KS Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 852 mortgage applications in Ford County, KS totaling $82.1 million, up 2% from 2011. The average application was for $96,000, and applicants reported an average income of $58,000. 51% of applications resulted in an originated loan and 20% were denied. The most active lender was Landmark National Bank, with 173 applications, followed by Bank of the West and Wells Fargo Bank NA.

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Total Number of Mortgage Applications 852
Total Mortgage Loan Application Amount $82,081,000
Average Mortgage Loan Application Amount $96,000
Highest Mortgage Loan Application Amount $384,000
Average Applicant Income $58,000
Highest Applicant Income $1,060,000

Mortgage Company List for Lending in Ford County, KS for 2012

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ 596,405,000 173 $ 17,855,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 62,408,304,000 107 $ 9,728,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 81 $ 7,851,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 1,733,783,000 58 $ 4,367,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 56 $ 5,778,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 51 $ 4,982,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 48 $ 4,771,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 27 $ 2,624,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 23 $ 2,639,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 21 $ 304,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 17 $ 2,158,000
Gnbank, National Association
100 E FOREST (PO BOX 67)
GIRARD, KS 66743
* $ 512,660,000 17 $ 686,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 15 $ 1,654,000
Golden Plains Credit Union
1714 EAST KANSAS AVENUE
GARDEN CITY, KS 67846
* $ 373,948,000 14 $ 1,249,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 11 $ 995,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 8 $ 751,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 6 $ 795,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 20,493,569,000 6 $ 698,000
Gnb Mortgage Company Inc
112 E 8TH STREET, PO BOX 149
HORTON, KS 66439
* $ 278,812,000 6 $ 813,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 6 $ 570,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 5 $ 283,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 195,395,000 4 $ 59,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 4 $ 694,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 4 $ 555,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 4 $ 169,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 559,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 3 $ 497,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 3 $ 439,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 461,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 324,000
Shelter Financial Bank
1817 W. BROADWAY
COLUMBIA, MO 65218
* $ 172,261,000 3 $ 244,000
Quantum Credit Union
6300 W 21ST ST N
WICHITA, KS 67205
* $ 63,396,000 2 $ 209,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 2 $ 221,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 2 $ 90,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 66,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 299,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 2 $ 260,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 344,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 247,000
Simmons First National Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 1,849,762,000 2 $ 220,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 648,887,000 2 $ 201,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 2 $ 476,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 1 $ 117,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 153,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 619,450,000 1 $ 137,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 1 $ 212,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 68,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 1 $ 36,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 101,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 137,000
Mortgages Unlimited, Inc
303 N KANSAS AVE, STE 106
LIBERAL, KS 67901
* $ 10,000,000 1 $ 142,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 1 $ 24,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 163,495,000 1 $ 54,000
Kanza Bank
2233 N GREENWICH RD
WICHITA, KS 67226
* $ 203,086,000 1 $ 44,000
The Eastern Colorado Bank
PO BOX 888
CHEYENNE WELLS, CO 80810
* $ 224,050,000 1 $ 93,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 798,484,000 1 $ 46,000

The tables below break down 2012 mortgage applications in Ford 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 Ford County, KS in 2012

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 403 $42,192,000 $104,000 $384,000 $65,000 $864,000
Home Purchase 354 $36,888,000 $104,000 $360,000 $49,000 $1,060,000
Home Improvement 95 $3,001,000 $31,000 $230,000 $60,000 $315,000

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 452 $49,579,000 $109,000 $384,000 $75,000 $1,060,000
Hispanic 252 $17,809,000 $70,000 $360,000 $45,000 $239,000
Not applicable 93 $9,613,000 $103,000 $378,000 $6,000 $180,000
Not Provided 35 $3,198,000 $91,000 $209,000 $62,000 $315,000
Asian 12 $1,023,000 $85,000 $157,000 $82,000 $140,000
Black or African American 7 $793,000 $113,000 $162,000 $65,000 $138,000
American Indian or Alaskan Native 1 $66,000 $66,000 $66,000 $53,000 $53,000
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) 508 $49,148,000 $96,000 $384,000 $72,000 $1,060,000
FHA-insured (Federal Housing Administration) 296 $26,937,000 $91,000 $245,000 $39,000 $162,000
VA-guaranteed (Veterans Administration) 32 $4,075,000 $127,000 $273,000 $31,000 $95,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $1,921,000 $120,000 $271,000 $26,000 $82,000

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 432 $45,383,000 $105,000 $378,000 $68,000 $1,060,000
Application Denied By Financial Institution 173 $13,301,000 $76,000 $384,000 $58,000 $315,000
Loan Purchased By The Institution 110 $11,676,000 $106,000 $378,000 $13,000 $180,000
Application Withdrawn By Applicant 75 $6,712,000 $89,000 $320,000 $69,000 $864,000
Application Approved But Not Accepted 48 $3,881,000 $80,000 $253,000 $57,000 $255,000
File Closed For Incompleteness 14 $1,128,000 $80,000 $163,000 $48,000 $119,000
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 64 $2,575,000 $40,000 $237,000 $57,000 $315,000
Debt-To-Income Ratio 33 $3,331,000 $100,000 $384,000 $52,000 $209,000
Collateral 18 $1,950,000 $108,000 $320,000 $71,000 $204,000
Credit Application Incomplete 11 $869,000 $79,000 $160,000 $49,000 $103,000
Other 8 $640,000 $80,000 $340,000 $80,000 $129,000
Unverifiable Information 6 $627,000 $104,000 $202,000 $59,000 $94,000
Insufficient Cash (Downpayment, Closing Cost) 6 $497,000 $82,000 $147,000 $71,000 $239,000
Employment History 5 $374,000 $74,000 $122,000 $47,000 $81,000
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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