Graham County, KS Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 31 mortgage applications in Graham County, KS totaling $2.6 million, down 3% from 2017. The average application was for $85,000, and applicants reported an average income of $61,000. 52% of applications resulted in an originated loan and 19% were denied. The most active lender was Outdoor Bank, with 10 applications, followed by Wells Fargo Bank NA and JPMorgan Chase Bank, NA.
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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 | 31 |
| Total Mortgage Loan Application Amount | $2,645,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $205,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $239,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ 220,244,000 | 10 | $ 410,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 2 | $ 240,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 2 | $ 80,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 330,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 75,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 75,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 55,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 85,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 165,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 45,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 1 | $ 185,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 105,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 175,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 125,000 |
The tables below break down 2018 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 2018
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 | 17 | $1,745,000 | $102,000 | $185,000 | $81,000 | $239,000 |
| Refinancing | 8 | $230,000 | $28,000 | $85,000 | $39,000 | $86,000 |
| Cash-out Refinancing | 4 | $470,000 | $117,000 | $205,000 | $55,000 | $66,000 |
| Not Applicable | 1 | $125,000 | $125,000 | $125,000 | $32,000 | $32,000 |
| Other Purpose | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Home Improvement | 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 | 23 | $1,785,000 | $77,000 | $185,000 | $67,000 | $239,000 |
| Not applicable | 3 | $335,000 | $111,000 | $165,000 | $32,000 | $32,000 |
| Not Provided | 3 | $395,000 | $131,000 | $205,000 | $39,000 | $60,000 |
| Black or African American | 2 | $130,000 | $65,000 | $85,000 | $46,000 | $70,000 |
| 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) | 17 | $1,005,000 | $59,000 | $205,000 | $50,000 | $239,000 |
| FHA-insured (Federal Housing Administration) | 6 | $740,000 | $123,000 | $165,000 | $65,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 6 | $780,000 | $130,000 | $185,000 | $83,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $120,000 | $60,000 | $75,000 | $74,000 | $74,000 |
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 | $1,010,000 | $63,000 | $175,000 | $51,000 | $132,000 |
| Application Denied By Financial Institution | 6 | $660,000 | $110,000 | $205,000 | $87,000 | $239,000 |
| Application Withdrawn By Applicant | 5 | $455,000 | $91,000 | $175,000 | $55,000 | $74,000 |
| Loan Purchased By The Institution | 3 | $335,000 | $111,000 | $165,000 | $32,000 | $32,000 |
| Application Approved But Not Accepted | 1 | $185,000 | $185,000 | $185,000 | $120,000 | $120,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 15 | $1,575,000 | $105,000 | $185,000 | $69,000 | $132,000 |
| Debt-To-Income Ratio | 12 | $590,000 | $49,000 | $175,000 | $32,000 | $86,000 |
| Collateral | 2 | $260,000 | $130,000 | $205,000 | $149,000 | $239,000 |
| Credit Application Incomplete | 1 | $165,000 | $165,000 | $165,000 | $129,000 | $129,000 |
| Credit History | 1 | $55,000 | $55,000 | $55,000 | $30,000 | $30,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
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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