Gove County, KS Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 69 mortgage applications in Gove County, KS totaling $6.8 million, down 3% from 2020. The average application was for $97,000, and applicants reported an average income of $79,000. 46% of applications resulted in an originated loan and 22% were denied. The most active lender was Golden Plains Credit Union, with 19 applications, followed by Mortgage Investment Services Corporation and Equity 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 | 69 |
| Total Mortgage Loan Application Amount | $6,755,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $255,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $460,000 |
| 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 |
* | $ 674,892,000 | 19 | $ 2,025,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 5 | $ 515,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 3,946,120,000 | 4 | $ 440,000 |
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ 257,149,000 | 3 | $ 275,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 325,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 310,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 728,981,000 | 2 | $ 250,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 995,323,000 | 2 | $ 110,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 220,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 160,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 105,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,411,656,000 | 1 | $ 55,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 65,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 95,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 65,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 95,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 839,145,000 | 1 | $ 75,000 |
| Northern Mortgage Services, LLC 3714 28TH ST SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 1 | $ 65,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 85,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 65,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 135,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 55,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2021 mortgage applications in Gove 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 Gove 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 | 43 | $3,945,000 | $91,000 | $255,000 | $63,000 | $188,000 |
| Refinancing | 16 | $1,670,000 | $104,000 | $185,000 | $111,000 | $324,000 |
| Cash-out Refinancing | 6 | $780,000 | $130,000 | $225,000 | $147,000 | $460,000 |
| Home Improvement | 2 | $100,000 | $50,000 | $65,000 | $47,000 | $83,000 |
| Other Purpose | 2 | $260,000 | $130,000 | $155,000 | $36,000 | $72,000 |
| 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 | 54 | $5,100,000 | $94,000 | $225,000 | $72,000 | $324,000 |
| Not Provided | 9 | $895,000 | $99,000 | $135,000 | $129,000 | $460,000 |
| Not applicable | 4 | $460,000 | $115,000 | $255,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $205,000 | $205,000 | $205,000 | $49,000 | $49,000 |
| Hispanic | 1 | $95,000 | $95,000 | $95,000 | $104,000 | $104,000 |
| 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) | 47 | $4,825,000 | $102,000 | $225,000 | $80,000 | $324,000 |
| FHA-insured (Federal Housing Administration) | 11 | $895,000 | $81,000 | $135,000 | $109,000 | $460,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $430,000 | $71,000 | $125,000 | $36,000 | $51,000 |
| VA-guaranteed (Veterans Administration) | 5 | $605,000 | $121,000 | $255,000 | $56,000 | $57,000 |
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 | 32 | $2,940,000 | $91,000 | $215,000 | $77,000 | $324,000 |
| Application Denied By Financial Institution | 15 | $1,515,000 | $101,000 | $185,000 | $81,000 | $460,000 |
| Application Withdrawn By Applicant | 10 | $1,080,000 | $108,000 | $225,000 | $90,000 | $300,000 |
| Loan Purchased By The Institution | 4 | $510,000 | $127,000 | $255,000 | $94,000 | $94,000 |
| Preapproval Approved but not Accepted | 4 | $390,000 | $97,000 | $165,000 | $91,000 | $171,000 |
| File Closed For Incompleteness | 2 | $140,000 | $70,000 | $75,000 | $35,000 | $40,000 |
| Application Approved But Not Accepted | 2 | $180,000 | $90,000 | $105,000 | $67,000 | $83,000 |
| 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 | 52 | $4,990,000 | $95,000 | $255,000 | $80,000 | $324,000 |
| Debt-To-Income Ratio | 7 | $685,000 | $97,000 | $185,000 | $42,000 | $57,000 |
| Credit History | 5 | $575,000 | $115,000 | $155,000 | $135,000 | $460,000 |
| Credit Application Incomplete | 3 | $355,000 | $118,000 | $155,000 | $66,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $44,000 | $44,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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