Harper County, KS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 197 mortgage applications in Harper County, KS totaling $18.0 million, up 4% from 2011. The average application was for $91,000, and applicants reported an average income of $68,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was Kanza Bank, with 66 applications, followed by Bank of Kansas 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 | 197 |
| Total Mortgage Loan Application Amount | $17,995,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $2,365,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $602,000 |
| 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 |
* | $ 203,086,000 | 66 | $ 7,997,000 |
| Bank of Kansas 524 N MAIN ST SOUTH HUTCHINSON, KS 67501 |
* | $ 329,955,000 | 15 | $ 800,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 14 | $ 1,021,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 12 | $ 1,169,000 |
| Citizens Bank of Kansas, N.A. 300 N MAIN KINGMAN, KS 67068 |
* | $ 226,862,000 | 9 | $ 639,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 7 | $ 466,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 293,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 4 | $ 302,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 4 | $ 250,000 |
| Skyward Credit Union 4 CESSNA BLVD WICHITA, KS 67215 |
* | $ 208,498,000 | 4 | $ 224,000 |
| Impact Bank 206 EAST HARVEY WELLINGTON, KS 67152 |
* | $ 89,484,000 | 3 | $ 248,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 4,065,989,000 | 3 | $ 140,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 3 | $ 58,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 2 | $ 313,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 263,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 184,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 394,264,000 | 2 | $ 138,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 2 | $ 50,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 760,040,000 | 2 | $ 85,000 |
| Security State Bank 101 N WASHINGTON WELLINGTON, KS 67152 |
* | $ 55,297,000 | 2 | $ 69,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 2 | $ 184,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 170,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 15,000 |
| Legacy Bank 3711 N RIDGE RD WICHITA, KS 67205 |
* | $ 258,133,000 | 1 | $ 85,000 |
| Quantum Credit Union 6300 W 21ST ST N WICHITA, KS 67205 |
* | $ 63,396,000 | 1 | $ 40,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 1 | $ 37,000 |
| Bank of Commerce and Trust Company 201 W HARVEY WELLINGTON, KS 67152 |
* | $ 53,786,000 | 1 | $ 150,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 373,948,000 | 1 | $ 78,000 |
| First National Bank 206 EAST HARVEY WELLINGTON, KS 67152 |
* | $ 89,484,000 | 1 | $ 450,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 1 | $ 42,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,733,783,000 | 1 | $ 165,000 |
| First National Bank of So Ks 6206 N. 247TH STREET W. ANDALE, KS 67001 |
* | $ 61,264,000 | 1 | $ 75,000 |
| Inland Home Mortgage Company 2225 S WOLF ROAD HILLSIDE, IL 60162 |
* | $ 1,135,000,000 | 1 | $ 38,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 64,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 99,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 41,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 136,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 189,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 100,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 1 | $ 139,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 34,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 11,205,930,000 | 1 | $ 88,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 70,000 |
The tables below break down 2012 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 2012
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 | 90 | $6,661,000 | $74,000 | $189,000 | $65,000 | $310,000 |
| Refinancing | 79 | $10,050,000 | $127,000 | $2,365,000 | $76,000 | $602,000 |
| Home Improvement | 28 | $1,284,000 | $45,000 | $150,000 | $59,000 | $162,000 |
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 | 152 | $11,613,000 | $76,000 | $439,000 | $75,000 | $602,000 |
| Not Provided | 22 | $1,535,000 | $69,000 | $189,000 | $79,000 | $310,000 |
| Not applicable | 17 | $4,481,000 | $263,000 | $2,365,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $208,000 | $69,000 | $118,000 | $68,000 | $105,000 |
| Hispanic | 2 | $90,000 | $45,000 | $62,000 | $58,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $68,000 | $68,000 | $68,000 | $49,000 | $49,000 |
| 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) | 153 | $14,594,000 | $95,000 | $2,365,000 | $74,000 | $602,000 |
| FHA-insured (Federal Housing Administration) | 27 | $2,000,000 | $74,000 | $165,000 | $57,000 | $456,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $708,000 | $64,000 | $99,000 | $33,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 6 | $693,000 | $115,000 | $175,000 | $45,000 | $75,000 |
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 | 111 | $12,314,000 | $110,000 | $2,365,000 | $77,000 | $350,000 |
| Application Denied By Financial Institution | 36 | $2,373,000 | $65,000 | $288,000 | $43,000 | $100,000 |
| Application Withdrawn By Applicant | 21 | $1,494,000 | $71,000 | $139,000 | $105,000 | $602,000 |
| Loan Purchased By The Institution | 15 | $1,015,000 | $67,000 | $136,000 | $23,000 | $75,000 |
| Application Approved But Not Accepted | 10 | $514,000 | $51,000 | $91,000 | $63,000 | $229,000 |
| File Closed For Incompleteness | 4 | $285,000 | $71,000 | $100,000 | $49,000 | $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 | 11 | $485,000 | $44,000 | $108,000 | $44,000 | $89,000 |
| Debt-To-Income Ratio | 4 | $422,000 | $105,000 | $202,000 | $49,000 | $96,000 |
| Collateral | 3 | $471,000 | $157,000 | $288,000 | $65,000 | $100,000 |
| Other | 2 | $166,000 | $83,000 | $91,000 | $33,000 | $41,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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