Geary County, KS Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 1,843 mortgage applications in Geary County, KS totaling $282.2 million, down 24% from 2009. The average application was for $153,000, and applicants reported an average income of $52,000. 45% of applications resulted in an originated loan and 15% were denied. The most active lender was First National Bank & Trust Co, with 179 applications, followed by Central National Bank and USAA Federal Savings 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 | 1,843 |
| Total Mortgage Loan Application Amount | $282,200,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $33,375,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $345,000 |
Top Mortgage Lenders in Geary County, KS (2010)
Ranked by the number of mortgage applications each lender reported in Geary County, KS in 2010.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | First National Bank & Trust Co Junction City, KS |
179 | $21,834,000 | $121,000 | $65,000 |
| 2 | Central National Bank Junction City, KS |
169 | $25,811,000 | $152,000 | $64,000 |
| 3 | USAA Federal Savings Bank San Antonio, TX |
143 | $19,701,000 | $137,000 | $60,000 |
| 4 | Ks Statebank Manhattan, KS |
123 | $16,564,000 | $134,000 | $60,000 |
| 5 | Bank of America, N.A. Calabasas, CA |
122 | $16,964,000 | $139,000 | $61,000 |
| 6 | Wells Fargo Bank, NA Winston-Salem, NC |
96 | $11,979,000 | $124,000 | $50,000 |
| 7 | Wintrust Mortgage Corporation Oak Brook Terrace, IL |
86 | $13,111,000 | $152,000 | $70,000 |
| 8 | Embrace Home Loans, Inc. Middletown, RI |
57 | $6,710,000 | $117,000 | $50,000 |
| 9 | US Bank, N.A. Milwaukee, WI |
56 | $8,347,000 | $149,000 | $12,000 |
| 10 | PHH Mortgage Corporation West Palm Beach, FL |
54 | $8,441,000 | $156,000 | $6,000 |
The tables below break down 2010 mortgage applications in Geary 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 Geary County, KS in 2010
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 | 921 | $129,033,000 | $140,000 | $3,950,000 | $49,000 | $310,000 |
| Home Purchase | 819 | $149,580,000 | $182,000 | $33,375,000 | $53,000 | $345,000 |
| Home Improvement | 103 | $3,587,000 | $34,000 | $175,000 | $66,000 | $217,000 |
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 | 988 | $121,044,000 | $122,000 | $417,000 | $62,000 | $345,000 |
| Not applicable | 401 | $103,419,000 | $257,000 | $33,375,000 | $17,000 | $183,000 |
| Black or African American | 175 | $23,489,000 | $134,000 | $331,000 | $62,000 | $181,000 |
| Not Provided | 136 | $17,647,000 | $129,000 | $536,000 | $59,000 | $225,000 |
| Hispanic | 90 | $11,259,000 | $125,000 | $241,000 | $57,000 | $310,000 |
| Asian | 29 | $2,484,000 | $85,000 | $220,000 | $74,000 | $279,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $1,904,000 | $136,000 | $230,000 | $70,000 | $125,000 |
| American Indian or Alaskan Native | 10 | $954,000 | $95,000 | $146,000 | $46,000 | $63,000 |
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 |
|---|---|---|---|---|---|---|
| VA-guaranteed (Veterans Administration) | 838 | $133,083,000 | $158,000 | $343,000 | $46,000 | $273,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 710 | $112,350,000 | $158,000 | $33,375,000 | $60,000 | $345,000 |
| FHA-insured (Federal Housing Administration) | 243 | $30,444,000 | $125,000 | $534,000 | $51,000 | $223,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 52 | $6,323,000 | $121,000 | $222,000 | $47,000 | $77,000 |
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 | 832 | $113,697,000 | $136,000 | $3,950,000 | $60,000 | $345,000 |
| Loan Purchased By The Institution | 515 | $77,449,000 | $150,000 | $343,000 | $31,000 | $200,000 |
| Application Denied By Financial Institution | 278 | $62,280,000 | $224,000 | $33,375,000 | $57,000 | $273,000 |
| Application Withdrawn By Applicant | 121 | $15,129,000 | $125,000 | $295,000 | $66,000 | $216,000 |
| Application Approved But Not Accepted | 60 | $8,753,000 | $145,000 | $1,617,000 | $58,000 | $179,000 |
| File Closed For Incompleteness | 37 | $4,892,000 | $132,000 | $269,000 | $59,000 | $161,000 |
| 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 | 66 | $4,052,000 | $61,000 | $232,000 | $51,000 | $139,000 |
| Debt-To-Income Ratio | 55 | $5,484,000 | $99,000 | $298,000 | $54,000 | $223,000 |
| Collateral | 35 | $4,240,000 | $121,000 | $331,000 | $71,000 | $164,000 |
| Credit Application Incomplete | 15 | $1,862,000 | $124,000 | $220,000 | $63,000 | $273,000 |
| Other | 10 | $1,240,000 | $124,000 | $195,000 | $68,000 | $217,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $584,000 | $146,000 | $162,000 | $51,000 | $61,000 |
| Mortgage Insurance Denied | 3 | $355,000 | $118,000 | $153,000 | $96,000 | $128,000 |
| Unverifiable Information | 3 | $299,000 | $99,000 | $187,000 | $46,000 | $91,000 |
| Employment History | 2 | $243,000 | $121,000 | $125,000 | $38,000 | $39,000 |
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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