Hamilton County, KS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 21 mortgage applications in Hamilton County, KS totaling $2.8 million, up 17% from 2023. The average application was for $132,000, and applicants reported an average income of $69,000. 48% of applications resulted in an originated loan and 29% were denied. The most active lender was Golden Plains Credit Union, with 4 applications, followed by Amerisave Mortgage Company and Wells Fargo 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 | 21 |
| Total Mortgage Loan Application Amount | $2,775,000 |
| Average Mortgage Loan Application Amount | $132,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $155,000 |
Top Mortgage Lenders in Hamilton County, KS (2024)
Ranked by the number of mortgage applications each lender reported in Hamilton County, KS in 2024.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Golden Plains Credit Union Garden City, KS |
4 | $610,000 | $152,000 | $100,000 |
| 2 | Amerisave Mortgage Company Sandy Springs, GA |
3 | $275,000 | $91,000 | $51,000 |
| 3 | Wells Fargo Bank NA Minneapolis, MN |
2 | $510,000 | $255,000 | $152,000 |
| 4 | Crosscountry Mortgage, LLC Cleveland, OH |
2 | $270,000 | $135,000 | $52,000 |
| 5 | PNC Bank N.A. Pittsburgh, PA |
1 | $215,000 | $215,000 | $91,000 |
| 6 | Guild Mortgage Company San Diego, CA |
1 | $45,000 | $45,000 | $16,000 |
| 7 | US Bank, N.A. Cincinnati, OH |
1 | $85,000 | $85,000 | $30,000 |
| 8 | Spring Eq, LLC Conshohocken, PA |
1 | $65,000 | $65,000 | $0 |
| 9 | Bank of America NA Westlake Village, CA |
1 | $35,000 | $35,000 | $65,000 |
| 10 | Mutual of Omaha Mortgage Lombard, IL |
1 | $125,000 | $125,000 | $67,000 |
The tables below break down 2024 mortgage applications in Hamilton 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 Hamilton County, KS in 2024
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 8 | $890,000 | $111,000 | $165,000 | $61,000 | $155,000 |
| Home Purchase | 8 | $1,600,000 | $200,000 | $355,000 | $87,000 | $150,000 |
| Other Purpose | 4 | $250,000 | $62,000 | $85,000 | $50,000 | $91,000 |
| Home Improvement | 1 | $35,000 | $35,000 | $35,000 | $65,000 | $65,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 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 | 14 | $2,160,000 | $154,000 | $355,000 | $86,000 | $155,000 |
| Not Provided | 6 | $530,000 | $88,000 | $155,000 | $36,000 | $63,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $30,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 11 | $1,595,000 | $145,000 | $355,000 | $86,000 | $155,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,045,000 | $116,000 | $165,000 | $50,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $135,000 | $135,000 | $135,000 | $52,000 | $52,000 |
| 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 | 10 | $1,420,000 | $142,000 | $355,000 | $85,000 | $155,000 |
| Application Denied By Financial Institution | 6 | $830,000 | $138,000 | $355,000 | $64,000 | $150,000 |
| Application Withdrawn By Applicant | 2 | $260,000 | $130,000 | $135,000 | $59,000 | $67,000 |
| File Closed For Incompleteness | 2 | $110,000 | $55,000 | $65,000 | $23,000 | $30,000 |
| Preapproval Approved but not Accepted | 1 | $155,000 | $155,000 | $155,000 | $56,000 | $56,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | $1,945,000 | $129,000 | $355,000 | $71,000 | $155,000 |
| Collateral | 2 | $520,000 | $260,000 | $355,000 | $100,000 | $150,000 |
| Credit Application Incomplete | 2 | $200,000 | $100,000 | $135,000 | $30,000 | $60,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $63,000 | $63,000 |
| Debt-To-Income Ratio | 1 | $35,000 | $35,000 | $35,000 | $65,000 | $65,000 |
| 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 |
| Other | 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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