Gray County, KS Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 157 mortgage applications in Gray County, KS totaling $23.3 million, up 30% from 2019. The average application was for $148,000, and applicants reported an average income of $87,000. 54% of applications resulted in an originated loan and 18% were denied. The most active lender was Golden Plains Credit Union, with 24 applications, followed by Landmark National Bank and Union Home Mortgage Corp..
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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 | 157 |
| Total Mortgage Loan Application Amount | $23,265,000 |
| Average Mortgage Loan Application Amount | $148,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $308,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 674,892,000 | 24 | $ 3,220,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 995,323,000 | 15 | $ 2,225,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 9 | $ 1,575,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 9 | $ 1,355,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 7 | $ 865,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 5 | $ 755,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 4 | $ 840,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 550,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 4 | $ 840,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 3 | $ 285,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 125,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 155,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 3 | $ 535,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 635,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 395,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 460,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 230,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 75,000 |
| New Century Bank 1211 28TH ST BELLEVILLE, KS 66935 |
* | $ 60,837,000 | 1 | $ 235,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 1 | $ 75,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 985,502,000 | 1 | $ 155,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 105,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 125,000 |
| Dundee Bank 5015 UNDERWOOD AVE OMAHA, NE 68132 |
* | $ 297,240,000 | 1 | $ 65,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 85,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 105,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 198,963,000 | 1 | $ 185,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 65,000 |
| Bank7 1039 N.W. 63RD ST OKLAHOMA CITY, OK 73116 |
* | $ 865,377,000 | 1 | $ 45,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 205,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 346,188,000 | 1 | $ 15,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 1 | $ 225,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 125,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ -1,000 | 1 | $ 195,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 245,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 4,172,729,000 | 1 | $ 95,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 145,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 145,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 155,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 145,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 35,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 19,445,554,000 | 1 | $ 295,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 255,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 155,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 205,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,142,154,000 | 1 | $ 245,000 |
The tables below break down 2020 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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 69 | $9,905,000 | $143,000 | $345,000 | $80,000 | $277,000 |
| Refinancing | 64 | $9,690,000 | $151,000 | $405,000 | $92,000 | $308,000 |
| Cash-out Refinancing | 17 | $2,865,000 | $168,000 | $295,000 | $100,000 | $240,000 |
| Not Applicable | 4 | $420,000 | $105,000 | $165,000 | $0 | $0 |
| Home Improvement | 2 | $150,000 | $75,000 | $135,000 | $45,000 | $60,000 |
| Other Purpose | 1 | $235,000 | $235,000 | $235,000 | $88,000 | $88,000 |
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 | 105 | $15,605,000 | $148,000 | $395,000 | $85,000 | $305,000 |
| Not applicable | 18 | $2,760,000 | $153,000 | $295,000 | $144,000 | $250,000 |
| Not Provided | 14 | $2,580,000 | $184,000 | $405,000 | $132,000 | $308,000 |
| Hispanic | 14 | $1,440,000 | $102,000 | $295,000 | $55,000 | $170,000 |
| American Indian or Alaskan Native | 3 | $295,000 | $98,000 | $185,000 | $54,000 | $77,000 |
| Black or African American | 2 | $330,000 | $165,000 | $225,000 | $63,000 | $87,000 |
| Asian | 1 | $255,000 | $255,000 | $255,000 | $116,000 | $116,000 |
| 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) | 111 | $16,165,000 | $145,000 | $405,000 | $93,000 | $308,000 |
| FHA-insured (Federal Housing Administration) | 29 | $4,255,000 | $146,000 | $255,000 | $69,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,225,000 | $136,000 | $225,000 | $52,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,620,000 | $202,000 | $295,000 | $59,000 | $116,000 |
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 | 84 | $13,210,000 | $157,000 | $405,000 | $93,000 | $308,000 |
| Application Denied By Financial Institution | 29 | $3,735,000 | $128,000 | $245,000 | $64,000 | $188,000 |
| Loan Purchased By The Institution | 18 | $2,760,000 | $153,000 | $295,000 | $123,000 | $250,000 |
| Application Withdrawn By Applicant | 13 | $1,775,000 | $136,000 | $245,000 | $84,000 | $201,000 |
| File Closed For Incompleteness | 7 | $865,000 | $123,000 | $225,000 | $88,000 | $129,000 |
| Application Approved But Not Accepted | 4 | $520,000 | $130,000 | $185,000 | $134,000 | $182,000 |
| Preapproval Denied by Financial Institution | 2 | $400,000 | $200,000 | $235,000 | $101,000 | $134,000 |
| Preapproval Approved but not Accepted | 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 | 124 | $19,020,000 | $153,000 | $405,000 | $92,000 | $308,000 |
| Debt-To-Income Ratio | 10 | $1,210,000 | $121,000 | $245,000 | $61,000 | $193,000 |
| Credit History | 5 | $485,000 | $97,000 | $155,000 | $62,000 | $96,000 |
| Unverifiable Information | 5 | $665,000 | $133,000 | $245,000 | $80,000 | $140,000 |
| Other | 4 | $540,000 | $135,000 | $225,000 | $63,000 | $77,000 |
| Collateral | 3 | $455,000 | $151,000 | $235,000 | $105,000 | $188,000 |
| Credit Application Incomplete | 3 | $415,000 | $138,000 | $205,000 | $38,000 | $73,000 |
| Employment History | 2 | $300,000 | $150,000 | $165,000 | $96,000 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $175,000 | $175,000 | $175,000 | $126,000 | $126,000 |
| 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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