Graham County, KS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 44 mortgage applications in Graham County, KS totaling $4.5 million, up 132% from 2024. The average application was for $101,000, and applicants reported an average income of $66,000. 36% of applications resulted in an originated loan and 30% were denied. The most active lender was Mortgage Research Center, with 5 applications, followed by Golden Plains Credit Union and New American Funding, Llc..
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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 | 44 |
| Total Mortgage Loan Application Amount | $4,460,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $205,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $161,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 5 | $ 645,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ n/a | 4 | $ 330,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 150,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 350,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 1 | $ 135,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ n/a | 1 | $ 145,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 95,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 95,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 105,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 105,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 115,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 55,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 15,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 205,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 125,000 |
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ n/a | 1 | $ 25,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 35,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 1 | $ 145,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ n/a | 1 | $ 25,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 165,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 65,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 155,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 95,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 1 | $ 155,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 165,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 55,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ n/a | 1 | $ 75,000 |
The tables below break down 2025 mortgage applications in Graham 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 Graham County, KS in 2025
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 | 28 | $3,310,000 | $118,000 | $205,000 | $77,000 | $161,000 |
| Cash-out Refinancing | 8 | $580,000 | $72,000 | $95,000 | $49,000 | $73,000 |
| Other Purpose | 5 | $435,000 | $87,000 | $115,000 | $55,000 | $80,000 |
| Refinancing | 2 | $120,000 | $60,000 | $95,000 | $25,000 | $30,000 |
| Home Improvement | 1 | $15,000 | $15,000 | $15,000 | $55,000 | $55,000 |
| 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 | 26 | $2,520,000 | $96,000 | $205,000 | $66,000 | $160,000 |
| Not Provided | 6 | $830,000 | $138,000 | $175,000 | $70,000 | $161,000 |
| Hispanic | 4 | $350,000 | $87,000 | $175,000 | $69,000 | $156,000 |
| Black or African American | 3 | $245,000 | $81,000 | $105,000 | $59,000 | $80,000 |
| Not applicable | 3 | $395,000 | $131,000 | $155,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $120,000 | $60,000 | $95,000 | $71,000 | $123,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 18 | $1,620,000 | $90,000 | $175,000 | $81,000 | $161,000 |
| FHA-insured (Federal Housing Administration) | 11 | $975,000 | $88,000 | $135,000 | $59,000 | $160,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,225,000 | $136,000 | $205,000 | $53,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $640,000 | $106,000 | $155,000 | $55,000 | $97,000 |
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 | 16 | $1,540,000 | $96,000 | $205,000 | $74,000 | $160,000 |
| Application Denied By Financial Institution | 13 | $1,025,000 | $78,000 | $145,000 | $44,000 | $73,000 |
| Application Withdrawn By Applicant | 6 | $890,000 | $148,000 | $175,000 | $105,000 | $161,000 |
| Loan Purchased By The Institution | 5 | $705,000 | $141,000 | $165,000 | $80,000 | $104,000 |
| File Closed For Incompleteness | 2 | $150,000 | $75,000 | $95,000 | $50,000 | $77,000 |
| Application Approved But Not Accepted | 2 | $150,000 | $75,000 | $85,000 | $41,000 | $50,000 |
| 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 | 31 | $3,435,000 | $110,000 | $205,000 | $77,000 | $161,000 |
| Collateral | 4 | $330,000 | $82,000 | $135,000 | $53,000 | $73,000 |
| Debt-To-Income Ratio | 3 | $275,000 | $91,000 | $145,000 | $44,000 | $68,000 |
| Credit Application Incomplete | 2 | $180,000 | $90,000 | $95,000 | $28,000 | $36,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $28,000 | $28,000 |
| Other | 1 | $15,000 | $15,000 | $15,000 | $55,000 | $55,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $71,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $21,000 | $21,000 |
| Mortgage Insurance Denied | 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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