Kearny County, KS Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 64 mortgage applications in Kearny County, KS totaling $7.6 million, up 14% from 2018. The average application was for $118,000, and applicants reported an average income of $74,000. 56% of applications resulted in an originated loan and 20% were denied. The most active lender was Golden Plains Credit Union, with 15 applications, followed by Wells Fargo Bank NA and American State Bank & Trust Company.
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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 | 64 |
| Total Mortgage Loan Application Amount | $7,590,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $215,000 |
| 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 |
* | $ 657,261,000 | 15 | $ 2,005,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 10 | $ 1,140,000 |
| American State Bank & Trust Company 1321 MAIN ST GREAT BEND, KS 67530 |
* | $ 677,020,000 | 3 | $ 685,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 982,703,000 | 3 | $ 355,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 2 | $ 270,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 100,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 150,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,383,765,000 | 2 | $ 100,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 240,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 220,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 45,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 55,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 123,147,670,000 | 1 | $ 15,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 125,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 105,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 7,010,234,000 | 1 | $ 135,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 145,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 125,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 302,006,000 | 1 | $ 25,000 |
| Parkside Lending, LLC 1130 HOWARD ST. SAN FRANCISCO, CA 94103 |
* | $ -1,000 | 1 | $ 115,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 145,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 87,268,647,000 | 1 | $ 45,000 |
The tables below break down 2019 mortgage applications in Kearny 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 Kearny County, KS in 2019
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 | 40 | $5,220,000 | $130,000 | $325,000 | $74,000 | $215,000 |
| Refinancing | 8 | $1,080,000 | $135,000 | $195,000 | $79,000 | $102,000 |
| Cash-out Refinancing | 7 | $865,000 | $123,000 | $265,000 | $63,000 | $122,000 |
| Other Purpose | 6 | $230,000 | $38,000 | $55,000 | $80,000 | $154,000 |
| Home Improvement | 2 | $80,000 | $40,000 | $55,000 | $71,000 | $98,000 |
| Not Applicable | 1 | $115,000 | $115,000 | $115,000 | $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 | 43 | $5,275,000 | $122,000 | $325,000 | $80,000 | $215,000 |
| Hispanic | 11 | $935,000 | $85,000 | $125,000 | $40,000 | $65,000 |
| Not Provided | 5 | $815,000 | $163,000 | $205,000 | $106,000 | $135,000 |
| Not applicable | 4 | $440,000 | $110,000 | $115,000 | $0 | $0 |
| Black or African American | 1 | $125,000 | $125,000 | $125,000 | $62,000 | $62,000 |
| 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 |
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) | 39 | $4,465,000 | $114,000 | $325,000 | $76,000 | $215,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,765,000 | $117,000 | $195,000 | $78,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $860,000 | $143,000 | $175,000 | $53,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 4 | $500,000 | $125,000 | $145,000 | $74,000 | $89,000 |
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 | 36 | $4,610,000 | $128,000 | $325,000 | $76,000 | $215,000 |
| Application Denied By Financial Institution | 13 | $1,195,000 | $91,000 | $265,000 | $68,000 | $154,000 |
| Application Withdrawn By Applicant | 6 | $780,000 | $130,000 | $165,000 | $87,000 | $102,000 |
| Loan Purchased By The Institution | 5 | $575,000 | $115,000 | $135,000 | $110,000 | $110,000 |
| Application Approved But Not Accepted | 3 | $385,000 | $128,000 | $155,000 | $41,000 | $47,000 |
| File Closed For Incompleteness | 1 | $45,000 | $45,000 | $45,000 | $48,000 | $48,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 48 | $5,710,000 | $118,000 | $225,000 | $71,000 | $185,000 |
| Debt-To-Income Ratio | 7 | $1,185,000 | $169,000 | $325,000 | $94,000 | $215,000 |
| Credit History | 6 | $240,000 | $40,000 | $75,000 | $75,000 | $154,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $12,000 | $12,000 |
| Collateral | 1 | $265,000 | $265,000 | $265,000 | $122,000 | $122,000 |
| Credit Application Incomplete | 1 | $145,000 | $145,000 | $145,000 | $84,000 | $84,000 |
| Unverifiable Information | 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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