Gray County, KS Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 143 mortgage applications in Gray County, KS totaling $12.9 million, down 30% from 2007. The average application was for $89,000, and applicants reported an average income of $59,000. 48% of applications resulted in an originated loan and 31% were denied. The most active lender was JPMorgan Chase Bank, NA, with 20 applications, followed by Bank of the West and Mortgage Investment Services 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 | 143 |
| Total Mortgage Loan Application Amount | $12,869,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $257,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $288,000 |
| 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 |
* | $ 1,318,888,000,000 | 20 | $ 1,566,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 11 | $ 1,410,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 9 | $ 804,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 7 | $ 753,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 605,123,000 | 7 | $ 331,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 6 | $ 591,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 6 | $ 609,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 842,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 6 | $ 874,000 |
| Great Plains 2306 S RANGE LINE RD JOPLIN, MO 64804 |
* | $ 230,808,000 | 6 | $ 243,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 5 | $ 413,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 155,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 4 | $ 542,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 519,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 261,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,578,734,000 | 3 | $ 115,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 3 | $ 320,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 3 | $ 238,000 |
| Wells Fargo Fin'l Kansas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 258,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 2 | $ 213,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 470,436,000 | 2 | $ 73,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 2 | $ 31,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 144,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 2 | $ 16,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 172,000 |
| Commerce Bank, N.A. 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 14,741,252,000 | 1 | $ 135,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 33,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 59,000 |
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 1 | $ 167,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 77,748,330,000 | 1 | $ 32,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 699,030,000 | 1 | $ 96,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 1 | $ 10,000 |
| American Sterling Bank 535 S STERLING SUGAR CREEK, MO 64054 |
* | $ 272,321,000 | 1 | $ 240,000 |
| Lydian Private Bank 3801 PGA BLVD SUITE 700 PALM BEACH GARDENS, FL 33410 |
* | $ 2,105,779,000 | 1 | $ 55,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 1 | $ 95,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 1 | $ 79,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 60,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 65,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 51,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 124,000 |
The tables below break down 2008 mortgage applications in Gray 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 Gray County, KS in 2008
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 | 66 | $6,903,000 | $104,000 | $257,000 | $65,000 | $260,000 |
| Home Purchase | 62 | $5,588,000 | $90,000 | $248,000 | $52,000 | $136,000 |
| Home Improvement | 15 | $378,000 | $25,000 | $105,000 | $62,000 | $288,000 |
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 | 106 | $9,546,000 | $90,000 | $257,000 | $59,000 | $187,000 |
| Not Provided | 14 | $1,480,000 | $105,000 | $240,000 | $83,000 | $288,000 |
| Not applicable | 9 | $850,000 | $94,000 | $160,000 | $22,000 | $85,000 |
| Hispanic | 7 | $623,000 | $89,000 | $160,000 | $72,000 | $260,000 |
| Black or African American | 6 | $284,000 | $47,000 | $120,000 | $49,000 | $85,000 |
| Asian | 1 | $86,000 | $86,000 | $86,000 | $73,000 | $73,000 |
| American Indian or Alaskan Native | 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) | 93 | $8,033,000 | $86,000 | $257,000 | $65,000 | $288,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,513,000 | $117,000 | $240,000 | $61,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,323,000 | $66,000 | $154,000 | $31,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 68 | $6,317,000 | $92,000 | $257,000 | $62,000 | $187,000 |
| Application Denied By Financial Institution | 44 | $3,482,000 | $79,000 | $240,000 | $67,000 | $288,000 |
| Loan Purchased By The Institution | 12 | $1,175,000 | $97,000 | $160,000 | $31,000 | $85,000 |
| Application Withdrawn By Applicant | 7 | $639,000 | $91,000 | $248,000 | $56,000 | $125,000 |
| File Closed For Incompleteness | 7 | $990,000 | $141,000 | $257,000 | $57,000 | $122,000 |
| Application Approved But Not Accepted | 5 | $266,000 | $53,000 | $80,000 | $28,000 | $58,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 13 | $718,000 | $55,000 | $240,000 | $69,000 | $288,000 |
| Collateral | 9 | $832,000 | $92,000 | $180,000 | $81,000 | $120,000 |
| Other | 6 | $694,000 | $115,000 | $138,000 | $62,000 | $107,000 |
| Credit Application Incomplete | 2 | $76,000 | $38,000 | $44,000 | $37,000 | $38,000 |
| Debt-To-Income Ratio | 1 | $77,000 | $77,000 | $77,000 | $56,000 | $56,000 |
| 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 |
| 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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