Graham County, KS Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 24 mortgage applications in Graham County, KS totaling $2.6 million, up 33% from 2014. The average application was for $106,000, and applicants reported an average income of $58,000. 42% of applications resulted in an originated loan and 21% were denied. The most active lender was JPMorgan Chase Bank, NA, with 4 applications, followed by Wells Fargo Bank NA and Freedom Mortgage Corporation.
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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 | 24 |
| Total Mortgage Loan Application Amount | $2,564,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $247,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $167,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 4 | $ 317,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 2 | $ 259,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 286,000 |
| Kondaur Capital Corporation 333 S ANITA DR STE 400 ORANGE, CA 92868 |
* | $ 54,713,000 | 2 | $ 206,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 149,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 583,337,000 | 1 | $ 73,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 88,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 128,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 23,881,169,000 | 1 | $ 192,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 20,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 71,000 |
The tables below break down 2015 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 2015
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 | 15 | $1,766,000 | $117,000 | $247,000 | $69,000 | $167,000 |
| Refinancing | 8 | $778,000 | $97,000 | $144,000 | $40,000 | $59,000 |
| Home Improvement | 1 | $20,000 | $20,000 | $20,000 | $43,000 | $43,000 |
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 | 16 | $1,728,000 | $108,000 | $192,000 | $74,000 | $167,000 |
| Not applicable | 4 | $317,000 | $79,000 | $128,000 | $0 | $0 |
| Not Provided | 4 | $519,000 | $129,000 | $247,000 | $53,000 | $93,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 11 | $1,395,000 | $126,000 | $247,000 | $81,000 | $167,000 |
| FHA-insured (Federal Housing Administration) | 7 | $595,000 | $85,000 | $123,000 | $58,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $445,000 | $89,000 | $128,000 | $9,000 | $47,000 |
| VA-guaranteed (Veterans Administration) | 1 | $129,000 | $129,000 | $129,000 | $54,000 | $54,000 |
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 | 10 | $1,188,000 | $118,000 | $247,000 | $68,000 | $167,000 |
| Loan Purchased By The Institution | 5 | $404,000 | $80,000 | $128,000 | $11,000 | $58,000 |
| Application Denied By Financial Institution | 5 | $371,000 | $74,000 | $132,000 | $57,000 | $98,000 |
| Application Withdrawn By Applicant | 4 | $601,000 | $150,000 | $192,000 | $94,000 | $166,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $205,000 | $102,000 | $132,000 | $73,000 | $98,000 |
| Credit History | 1 | $20,000 | $20,000 | $20,000 | $43,000 | $43,000 |
| Unverifiable Information | 1 | $83,000 | $83,000 | $83,000 | $98,000 | $98,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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