Graham County, KS Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 18 mortgage applications in Graham County, KS totaling $1.3 million, down 42% from 2013. The average application was for $72,000, and applicants reported an average income of $53,000. 28% of applications resulted in an originated loan and 61% were denied. The most active lender was Golden Plains Credit Union, with 5 applications, followed by Mortgage Research Center and Citizens Bank of Kansas.
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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 | 18 |
| Total Mortgage Loan Application Amount | $1,307,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $152,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $106,000 |
| 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 |
* | $ 418,554,000 | 5 | $ 293,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 64,000 |
| Citizens Bank of Kansas 300 N MAIN ST KINGMAN, KS 67068 |
* | $ 225,066,000 | 1 | $ 15,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 690,026,000 | 1 | $ 34,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 1,141,191,000 | 1 | $ 48,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 1 | $ 85,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 124,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 49,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 94,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 152,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 62,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 68,000 |
The tables below break down 2014 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 2014
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 | 11 | $926,000 | $84,000 | $152,000 | $51,000 | $101,000 |
| Home Purchase | 6 | $349,000 | $58,000 | $124,000 | $60,000 | $106,000 |
| Home Improvement | 1 | $32,000 | $32,000 | $32,000 | $35,000 | $35,000 |
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 | 11 | $783,000 | $71,000 | $152,000 | $51,000 | $106,000 |
| Not Provided | 4 | $319,000 | $79,000 | $128,000 | $54,000 | $101,000 |
| Black or African American | 2 | $156,000 | $78,000 | $124,000 | $44,000 | $54,000 |
| Not applicable | 1 | $49,000 | $49,000 | $49,000 | $89,000 | $89,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 11 | $768,000 | $69,000 | $152,000 | $59,000 | $106,000 |
| VA-guaranteed (Veterans Administration) | 4 | $345,000 | $86,000 | $128,000 | $54,000 | $79,000 |
| FHA-insured (Federal Housing Administration) | 2 | $162,000 | $81,000 | $94,000 | $29,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $32,000 | $32,000 | $32,000 | $35,000 | $35,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 11 | $759,000 | $69,000 | $128,000 | $56,000 | $106,000 |
| Loan Originated | 5 | $437,000 | $87,000 | $152,000 | $37,000 | $88,000 |
| Loan Purchased By The Institution | 1 | $49,000 | $49,000 | $49,000 | $89,000 | $89,000 |
| File Closed For Incompleteness | 1 | $62,000 | $62,000 | $62,000 | $64,000 | $64,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Application Incomplete | 2 | $213,000 | $106,000 | $128,000 | $90,000 | $101,000 |
| Credit History | 2 | $93,000 | $46,000 | $78,000 | $30,000 | $39,000 |
| Debt-To-Income Ratio | 1 | $124,000 | $124,000 | $124,000 | $54,000 | $54,000 |
| Collateral | 1 | $76,000 | $76,000 | $76,000 | $106,000 | $106,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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