Gray County, KS Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 97 mortgage applications in Gray County, KS totaling $10.5 million, down 7% from 2014. The average application was for $108,000, and applicants reported an average income of $70,000. 54% of applications resulted in an originated loan and 22% were denied. The most active lender was Wells Fargo Bank NA, with 11 applications, followed by Mortgage Investment Services Corporation and Bank7.
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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 | 97 |
| Total Mortgage Loan Application Amount | $10,478,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $518,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 11 | $ 1,340,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 11 | $ 1,281,000 |
| Bank7 1039 N.W. 63RD ST OKLAHOMA CITY, OK 73116 |
* | $ 478,704,000 | 8 | $ 484,000 |
| Great Plains 2306 S RANGE LINE RD JOPLIN, MO 64804 |
* | $ 278,624,000 | 7 | $ 440,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 861,430,000 | 7 | $ 745,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 5 | $ 524,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 4 | $ 322,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 4 | $ 536,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 520,458,000 | 4 | $ 292,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 2 | $ 174,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 71,682,343,000 | 2 | $ 369,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 170,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 374,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 295,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 23,881,169,000 | 1 | $ 146,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 1 | $ 50,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 20,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ 17,900,000 | 1 | $ 138,000 |
| The Valley State Bank 502 N MERCHANT BELLE PLAINE, KS 67013 |
* | $ 127,375,000 | 1 | $ 30,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 123,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 1 | $ 15,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 55,000 |
| First National Bank of Hutchinson, the PO BOX 913 HUTCHINSON, KS 67504 |
* | $ 621,131,000 | 1 | $ 485,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 124,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 1 | $ 133,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 106,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 562,548,000 | 1 | $ 276,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 156,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 1 | $ 136,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 166,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 224,000 |
The tables below break down 2015 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 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 | 50 | $5,698,000 | $113,000 | $269,000 | $54,000 | $157,000 |
| Refinancing | 42 | $4,503,000 | $107,000 | $485,000 | $90,000 | $518,000 |
| Home Improvement | 5 | $277,000 | $55,000 | $146,000 | $66,000 | $98,000 |
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 | 77 | $8,752,000 | $113,000 | $485,000 | $78,000 | $518,000 |
| Not applicable | 9 | $1,021,000 | $113,000 | $216,000 | $31,000 | $101,000 |
| Hispanic | 6 | $282,000 | $47,000 | $90,000 | $27,000 | $49,000 |
| Not Provided | 5 | $423,000 | $84,000 | $146,000 | $61,000 | $108,000 |
| 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 |
| Black or African American | 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) | 62 | $6,479,000 | $104,000 | $485,000 | $74,000 | $495,000 |
| FHA-insured (Federal Housing Administration) | 25 | $2,932,000 | $117,000 | $196,000 | $75,000 | $518,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $368,000 | $73,000 | $107,000 | $22,000 | $33,000 |
| VA-guaranteed (Veterans Administration) | 5 | $699,000 | $139,000 | $224,000 | $48,000 | $86,000 |
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 | 52 | $6,001,000 | $115,000 | $485,000 | $77,000 | $495,000 |
| Application Denied By Financial Institution | 21 | $1,985,000 | $94,000 | $269,000 | $59,000 | $119,000 |
| Loan Purchased By The Institution | 14 | $1,716,000 | $122,000 | $216,000 | $36,000 | $101,000 |
| Application Withdrawn By Applicant | 8 | $667,000 | $83,000 | $147,000 | $113,000 | $518,000 |
| File Closed For Incompleteness | 2 | $109,000 | $54,000 | $74,000 | $77,000 | $132,000 |
| 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 | 7 | $649,000 | $92,000 | $269,000 | $42,000 | $94,000 |
| Collateral | 5 | $301,000 | $60,000 | $84,000 | $35,000 | $49,000 |
| Credit Application Incomplete | 3 | $305,000 | $101,000 | $173,000 | $79,000 | $108,000 |
| Credit History | 2 | $264,000 | $132,000 | $152,000 | $83,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $132,000 | $132,000 | $132,000 | $93,000 | $93,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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