Harper County, KS Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 159 mortgage applications in Harper County, KS totaling $10.3 million, down 34% from 2009. The average application was for $64,000, and applicants reported an average income of $51,000. 47% of applications resulted in an originated loan and 25% were denied. The most active lender was Kanza Bank, with 34 applications, followed by Bank of America, N.A. 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 | 159 |
| Total Mortgage Loan Application Amount | $10,309,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $448,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $275,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Kanza Bank 2233 N GREENWICH RD WICHITA, KS 67226 |
* | $ 204,811,000 | 34 | $ 1,996,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 13 | $ 1,079,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 13 | $ 1,076,000 |
| Bank of Kansas 524 N MAIN ST SOUTH HUTCHINSON, KS 67501 |
* | $ 365,852,000 | 11 | $ 421,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 604,000 |
| Citizens Bank of Kansas, N.A. 300 N MAIN KINGMAN, KS 67068 |
* | $ 207,378,000 | 7 | $ 319,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 343,272,000 | 7 | $ 377,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 7 | $ 552,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 317,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 4 | $ 239,000 |
| Bank of Commerce and Trust Company 201 W HARVEY WELLINGTON, KS 67152 |
* | $ 48,764,000 | 3 | $ 93,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,809,955,000 | 3 | $ 628,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 3 | $ 219,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 3 | $ 260,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 3,694,100,000 | 3 | $ 88,000 |
| First National Bank 206 EAST HARVEY WELLINGTON, KS 67152 |
* | $ 86,184,000 | 2 | $ 88,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 641,413,000 | 2 | $ 303,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 2 | $ 32,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 658,197,000 | 2 | $ 90,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 107,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 327,592,000 | 1 | $ 54,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ 157,308,000 | 1 | $ 90,000 |
| Gateway Mortgage Group LLC 6910 E 14TH ST TULSA, OK 74112 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 87,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,396,660,000 | 1 | $ 16,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 1 | $ 47,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 78,000 |
| First Federal Bank, FSB 6900 N. EXECUTIVE DR. KANSAS CITY, MO 64120 |
* | $ 386,869,000 | 1 | $ 39,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,726,828,000 | 1 | $ 68,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 55,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 866,920,000 | 1 | $ 84,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 32,000 |
| First National Bank of So Ks 6206 N. 247TH STREET W. ANDALE, KS 67001 |
* | $ 60,474,000 | 1 | $ 51,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 41,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 68,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 6,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 66,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 22,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 46,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 45,000 |
The tables below break down 2010 mortgage applications in Harper 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 Harper County, KS in 2010
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 | 74 | $5,427,000 | $73,000 | $368,000 | $60,000 | $275,000 |
| Home Purchase | 65 | $4,374,000 | $67,000 | $448,000 | $45,000 | $232,000 |
| Home Improvement | 20 | $508,000 | $25,000 | $130,000 | $41,000 | $87,000 |
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 | 137 | $8,856,000 | $64,000 | $448,000 | $54,000 | $275,000 |
| Hispanic | 9 | $499,000 | $55,000 | $74,000 | $36,000 | $75,000 |
| Not applicable | 7 | $635,000 | $90,000 | $234,000 | $28,000 | $130,000 |
| Not Provided | 5 | $273,000 | $54,000 | $97,000 | $37,000 | $54,000 |
| American Indian or Alaskan Native | 1 | $46,000 | $46,000 | $46,000 | $65,000 | $65,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 112 | $7,108,000 | $63,000 | $448,000 | $54,000 | $232,000 |
| FHA-insured (Federal Housing Administration) | 38 | $2,426,000 | $63,000 | $151,000 | $48,000 | $275,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $403,000 | $67,000 | $96,000 | $34,000 | $45,000 |
| VA-guaranteed (Veterans Administration) | 3 | $372,000 | $124,000 | $153,000 | $34,000 | $51,000 |
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 | 74 | $5,189,000 | $70,000 | $448,000 | $56,000 | $232,000 |
| Application Denied By Financial Institution | 39 | $2,174,000 | $55,000 | $153,000 | $40,000 | $88,000 |
| Application Withdrawn By Applicant | 20 | $1,164,000 | $58,000 | $153,000 | $43,000 | $65,000 |
| Loan Purchased By The Institution | 13 | $866,000 | $66,000 | $132,000 | $42,000 | $130,000 |
| Application Approved But Not Accepted | 10 | $600,000 | $60,000 | $123,000 | $67,000 | $150,000 |
| File Closed For Incompleteness | 3 | $316,000 | $105,000 | $151,000 | $123,000 | $275,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 8 | $456,000 | $57,000 | $130,000 | $35,000 | $56,000 |
| Credit History | 7 | $490,000 | $70,000 | $153,000 | $45,000 | $75,000 |
| Collateral | 5 | $320,000 | $64,000 | $90,000 | $65,000 | $88,000 |
| Other | 2 | $114,000 | $57,000 | $60,000 | $22,000 | $24,000 |
| Credit Application Incomplete | 1 | $26,000 | $26,000 | $26,000 | $14,000 | $14,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $47,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $109,000 | $109,000 | $109,000 | $78,000 | $78,000 |
| 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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