Kearny County, KS Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 93 mortgage applications in Kearny County, KS totaling $13.0 million, up 2% from 2020. The average application was for $139,000, and applicants reported an average income of $75,000. 52% of applications resulted in an originated loan and 16% were denied. The most active lender was Golden Plains Credit Union, with 25 applications, followed by Wells Fargo Bank NA and Guaranteed Rate, Inc..
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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 | 93 |
| Total Mortgage Loan Application Amount | $12,985,000 |
| Average Mortgage Loan Application Amount | $139,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $274,000 |
| 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 | 25 | $ 3,535,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 6 | $ 880,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 6 | $ 970,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 360,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 435,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 995,323,000 | 3 | $ 495,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 185,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 270,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 2 | $ 450,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 350,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 200,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 230,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 190,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 370,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 85,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 137,588,093,000 | 1 | $ 225,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 155,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 365,000 |
| Independent Bank 1600 REDBUD BLVD MCKINNEY, TX 75070 |
* | $ 14,953,260,000 | 1 | $ 155,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 3,946,120,000 | 1 | $ 75,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 75,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 65,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 255,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 19,445,554,000 | 1 | $ 5,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 195,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 15,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 1 | $ 35,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 195,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 195,000 |
The tables below break down 2021 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 2021
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 | 47 | $7,585,000 | $161,000 | $325,000 | $75,000 | $274,000 |
| Refinancing | 24 | $3,370,000 | $140,000 | $365,000 | $80,000 | $190,000 |
| Cash-out Refinancing | 17 | $1,725,000 | $101,000 | $155,000 | $68,000 | $235,000 |
| Home Improvement | 2 | $160,000 | $80,000 | $155,000 | $96,000 | $112,000 |
| Not Applicable | 2 | $120,000 | $60,000 | $105,000 | $0 | $0 |
| Other Purpose | 1 | $25,000 | $25,000 | $25,000 | $54,000 | $54,000 |
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 | 52 | $7,520,000 | $144,000 | $365,000 | $73,000 | $274,000 |
| Hispanic | 19 | $2,255,000 | $118,000 | $235,000 | $72,000 | $137,000 |
| Not Provided | 12 | $1,970,000 | $164,000 | $295,000 | $88,000 | $210,000 |
| Not applicable | 8 | $1,020,000 | $127,000 | $255,000 | $0 | $0 |
| Black or African American | 1 | $65,000 | $65,000 | $65,000 | $83,000 | $83,000 |
| 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) | 64 | $8,690,000 | $135,000 | $365,000 | $82,000 | $274,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,010,000 | $150,000 | $255,000 | $53,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 7 | $955,000 | $136,000 | $255,000 | $66,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $330,000 | $165,000 | $165,000 | $65,000 | $65,000 |
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 | 48 | $7,040,000 | $146,000 | $325,000 | $81,000 | $274,000 |
| Application Denied By Financial Institution | 15 | $1,645,000 | $109,000 | $225,000 | $59,000 | $106,000 |
| Application Withdrawn By Applicant | 10 | $1,340,000 | $134,000 | $235,000 | $75,000 | $137,000 |
| Loan Purchased By The Institution | 9 | $1,215,000 | $135,000 | $255,000 | $110,000 | $110,000 |
| File Closed For Incompleteness | 8 | $960,000 | $120,000 | $365,000 | $74,000 | $190,000 |
| Preapproval Approved but not Accepted | 3 | $785,000 | $261,000 | $325,000 | $66,000 | $100,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 | 78 | $11,340,000 | $145,000 | $365,000 | $79,000 | $274,000 |
| Credit History | 7 | $615,000 | $87,000 | $135,000 | $67,000 | $106,000 |
| Other | 3 | $355,000 | $118,000 | $225,000 | $46,000 | $47,000 |
| Credit Application Incomplete | 3 | $465,000 | $155,000 | $225,000 | $61,000 | $73,000 |
| Debt-To-Income Ratio | 1 | $85,000 | $85,000 | $85,000 | $53,000 | $53,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $57,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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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