Graham County, KS Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 41 mortgage applications in Graham County, KS totaling $3.7 million, up 95% from 2019. The average application was for $89,000, and applicants reported an average income of $65,000. 56% of applications resulted in an originated loan and 22% were denied. The most active lender was Outdoor Bank, with 9 applications, followed by Freedom Mortgage Corporation and Golden Plains Credit Union.
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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 | 41 |
| Total Mortgage Loan Application Amount | $3,675,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $235,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $256,000 |
| 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 |
* | $ 257,149,000 | 9 | $ 365,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 755,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 674,892,000 | 4 | $ 240,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 3 | $ 325,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 405,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 180,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 995,323,000 | 1 | $ 165,000 |
| Farmers and Drovers Bank 201 W MAIN COUNCIL GROVE, KS 66846 |
* | $ 188,806,000 | 1 | $ 95,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 1 | $ 115,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 55,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 45,000 |
| Mid America Bank 802 AMES STREET BALDWIN CITY, KS 66006 |
* | $ 243,850,000 | 1 | $ 115,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ 325,706,000 | 1 | $ 175,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 985,502,000 | 1 | $ 45,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 75,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2020 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 2020
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 | 19 | $1,755,000 | $92,000 | $215,000 | $47,000 | $145,000 |
| Home Purchase | 13 | $1,105,000 | $85,000 | $235,000 | $84,000 | $256,000 |
| Cash-out Refinancing | 7 | $745,000 | $106,000 | $205,000 | $50,000 | $71,000 |
| Other Purpose | 2 | $70,000 | $35,000 | $45,000 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 31 | $3,005,000 | $96,000 | $235,000 | $68,000 | $256,000 |
| Not Provided | 4 | $360,000 | $90,000 | $155,000 | $52,000 | $61,000 |
| Not applicable | 3 | $85,000 | $28,000 | $45,000 | $0 | $0 |
| Black or African American | 3 | $225,000 | $75,000 | $85,000 | $35,000 | $35,000 |
| 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) | 26 | $1,900,000 | $73,000 | $235,000 | $68,000 | $256,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,085,000 | $155,000 | $215,000 | $36,000 | $71,000 |
| FHA-insured (Federal Housing Administration) | 6 | $570,000 | $95,000 | $155,000 | $91,000 | $166,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $120,000 | $60,000 | $65,000 | $41,000 | $45,000 |
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 | 23 | $1,845,000 | $80,000 | $235,000 | $79,000 | $256,000 |
| Application Denied By Financial Institution | 9 | $655,000 | $72,000 | $155,000 | $47,000 | $66,000 |
| Application Withdrawn By Applicant | 4 | $490,000 | $122,000 | $215,000 | $54,000 | $71,000 |
| Application Approved But Not Accepted | 3 | $395,000 | $131,000 | $175,000 | $52,000 | $70,000 |
| File Closed For Incompleteness | 2 | $290,000 | $145,000 | $205,000 | $39,000 | $39,000 |
| Loan Purchased By The Institution | 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 | 31 | $2,925,000 | $94,000 | $235,000 | $61,000 | $166,000 |
| Other | 2 | $90,000 | $45,000 | $45,000 | $56,000 | $65,000 |
| Collateral | 2 | $130,000 | $65,000 | $85,000 | $46,000 | $59,000 |
| Credit Application Incomplete | 2 | $280,000 | $140,000 | $155,000 | $0 | $0 |
| Credit History | 2 | $110,000 | $55,000 | $55,000 | $50,000 | $66,000 |
| Debt-To-Income Ratio | 1 | $95,000 | $95,000 | $95,000 | $256,000 | $256,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $25,000 | $25,000 |
| 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 |
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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