Kiowa County, CO Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 39 mortgage applications in Kiowa County, CO totaling $3.6 million, up 56% from 2013. The average application was for $91,000, and applicants reported an average income of $97,000. 18% of applications resulted in an originated loan and 44% were denied. The most active lender was Gnbank, National Association, with 19 applications, followed by The Eastern Colorado Bank and Frontier Bank.
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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 | 39 |
| Total Mortgage Loan Application Amount | $3,564,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $336,000 |
| Average Applicant Income | $97,000 |
| Highest Applicant Income | $1,443,000 |
Top Mortgage Lenders in Kiowa County, CO (2014)
Ranked by the number of mortgage applications each lender reported in Kiowa County, CO in 2014.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Gnbank, National Association Girard, KS |
19 | $1,673,000 | $88,000 | $61,000 |
| 2 | The Eastern Colorado Bank Cheyenne Wells, CO |
3 | $151,000 | $50,000 | $51,000 |
| 3 | Frontier Bank Lamar, CO |
3 | $274,000 | $91,000 | $29,000 |
| 4 | Caliber Home Loans, Inc. Wilmington, DE |
1 | $101,000 | $101,000 | $50,000 |
| 5 | Mountain America Federal Credit Union Sandy, UT |
1 | $15,000 | $15,000 | $15,000 |
| 6 | Pinnacle Mortgage Group, Inc. Lakewood, CO |
1 | $108,000 | $108,000 | $74,000 |
| 7 | Mortgage Solutions of Colorado Colorado Springs, CO |
1 | $77,000 | $77,000 | $37,000 |
| 8 | Columbia Bank Lake Oswego, OR |
1 | $336,000 | $336,000 | $231,000 |
| 9 | Ditech Mortgage Corp Ft. Washington, PA |
1 | $20,000 | $20,000 | $17,000 |
| 10 | Lennar Mortgage, LLC Miami, FL |
1 | $108,000 | $108,000 | $59,000 |
The tables below break down 2014 mortgage applications in Kiowa County, CO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Kiowa County, CO in 2014
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 | 28 | $2,576,000 | $92,000 | $336,000 | $64,000 | $245,000 |
| Refinancing | 7 | $643,000 | $91,000 | $180,000 | $71,000 | $195,000 |
| Home Improvement | 4 | $345,000 | $86,000 | $214,000 | $370,000 | $1,443,000 |
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 | 32 | $2,708,000 | $84,000 | $180,000 | $105,000 | $1,443,000 |
| Not Provided | 3 | $447,000 | $149,000 | $336,000 | $117,000 | $231,000 |
| Not applicable | 2 | $322,000 | $161,000 | $214,000 | $0 | $0 |
| Hispanic | 2 | $87,000 | $43,000 | $67,000 | $34,000 | $37,000 |
| 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 |
| 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) | 23 | $2,284,000 | $99,000 | $336,000 | $132,000 | $1,443,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $591,000 | $65,000 | $105,000 | $46,000 | $101,000 |
| FHA-insured (Federal Housing Administration) | 7 | $689,000 | $98,000 | $108,000 | $46,000 | $74,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 17 | $1,545,000 | $90,000 | $336,000 | $64,000 | $231,000 |
| Loan Originated | 7 | $665,000 | $95,000 | $214,000 | $270,000 | $1,443,000 |
| File Closed For Incompleteness | 6 | $613,000 | $102,000 | $144,000 | $60,000 | $92,000 |
| Application Withdrawn By Applicant | 5 | $467,000 | $93,000 | $175,000 | $57,000 | $195,000 |
| Application Approved But Not Accepted | 3 | $166,000 | $55,000 | $110,000 | $54,000 | $107,000 |
| Loan Purchased By The Institution | 1 | $108,000 | $108,000 | $108,000 | $0 | $0 |
| 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 | 7 | $396,000 | $56,000 | $105,000 | $58,000 | $101,000 |
| Debt-To-Income Ratio | 5 | $449,000 | $89,000 | $180,000 | $40,000 | $59,000 |
| Employment History | 1 | $46,000 | $46,000 | $46,000 | $43,000 | $43,000 |
| Collateral | 1 | $108,000 | $108,000 | $108,000 | $74,000 | $74,000 |
| Credit Application Incomplete | 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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