Lawrence, KS Metro Area Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 10,321 mortgage applications in Lawrence, KS metro area totaling $1.4 billion, up 7% from 2004. The average application was for $131,835, and applicants reported an average income of $70,000. 48% of applications resulted in an originated loan and 14% were denied. The most active lender was Countrywide Home Loans, with 1,065 applications, followed by Ameriquest Mortgage Company and Washington Mutual 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 | 10,321 |
| Total Mortgage Loan Application Amount | $1,360,678,000 |
| Average Mortgage Loan Application Amount | $131,835 |
| Highest Mortgage Loan Application Amount | $12,000,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $9,256,000 |
Top Mortgage Lenders in Lawrence, KS Metro Area (2005)
Ranked by the number of mortgage applications each lender reported in Lawrence, KS metro area in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Countrywide Home Loans Westlake Village, CA |
1,065 | $153,992,000 | $144,000 | $65,000 |
| 2 | Ameriquest Mortgage Company Orange, CA |
555 | $80,265,000 | $144,000 | $70,000 |
| 3 | Washington Mutual Bank Albion, NY |
465 | $62,151,000 | $133,000 | $19,000 |
| 4 | University National Bank of Lawrence, the Lawrence, KS |
443 | $62,073,000 | $140,000 | $62,000 |
| 5 | Capitol Federal Savings Topeka, KS |
415 | $57,260,000 | $137,000 | $64,000 |
| 6 | Citimortgage, Inc New York, NY |
353 | $44,611,000 | $126,000 | $89,000 |
| 7 | Beneficial Company LLC Mettawa, IL |
279 | $28,385,000 | $101,000 | $55,000 |
| 8 | Abn Amro Mtg Group Inc New York, NY |
228 | $29,684,000 | $130,000 | $65,000 |
| 9 | US Bank, N.A. Milwaukee, WI |
215 | $32,251,000 | $150,000 | $49,000 |
| 10 | Douglas County Bank Lawrence, KS |
209 | $21,856,000 | $104,000 | $60,000 |
See every lender active in Lawrence, KS metro area in 2005 »
The tables below break down 2005 mortgage applications in Lawrence, KS metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Lawrence, KS in 2005
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 | 5,472 | $750,915,000 | $137,000 | $12,000,000 | $65,000 | $3,000,000 |
| Home Purchase | 4,352 | $575,751,000 | $132,000 | $4,560,000 | $77,000 | $9,256,000 |
| Home Improvement | 497 | $34,012,000 | $68,000 | $701,000 | $62,000 | $795,000 |
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 | 7,395 | $962,060,000 | $130,000 | $1,967,000 | $73,000 | $3,000,000 |
| Not Provided | 1,125 | $139,442,000 | $123,000 | $1,950,000 | $63,000 | $1,450,000 |
| Not applicable | 1,035 | $163,061,000 | $157,000 | $12,000,000 | $65,000 | $9,256,000 |
| Black or African American | 248 | $30,056,000 | $121,000 | $435,000 | $76,000 | $1,440,000 |
| Hispanic | 230 | $27,235,000 | $118,000 | $383,000 | $67,000 | $660,000 |
| Asian | 172 | $23,382,000 | $135,000 | $535,000 | $62,000 | $208,000 |
| American Indian or Alaskan Native | 90 | $10,326,000 | $114,000 | $320,000 | $62,000 | $364,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $5,116,000 | $196,000 | $420,000 | $63,000 | $242,000 |
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) | 10,021 | $1,319,809,000 | $131,000 | $12,000,000 | $71,000 | $9,256,000 |
| FHA-insured (Federal Housing Administration) | 214 | $26,878,000 | $125,000 | $175,000 | $42,000 | $217,000 |
| VA-guaranteed (Veterans Administration) | 82 | $13,396,000 | $163,000 | $294,000 | $43,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $595,000 | $148,000 | $201,000 | $35,000 | $55,000 |
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 | 4,965 | $673,289,000 | $135,000 | $12,000,000 | $84,000 | $9,256,000 |
| Loan Purchased By The Institution | 1,941 | $259,569,000 | $133,000 | $1,042,000 | $42,000 | $1,058,000 |
| Application Denied By Financial Institution | 1,414 | $163,687,000 | $115,000 | $942,000 | $63,000 | $3,000,000 |
| Application Withdrawn By Applicant | 1,200 | $164,397,000 | $136,000 | $1,950,000 | $69,000 | $954,000 |
| Application Approved But Not Accepted | 501 | $58,740,000 | $117,000 | $458,000 | $63,000 | $998,000 |
| File Closed For Incompleteness | 297 | $40,686,000 | $136,000 | $528,000 | $67,000 | $791,000 |
| Preapproval Denied by Financial Institution | 3 | $310,000 | $103,000 | $144,000 | $24,000 | $49,000 |
| Preapproval 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 |
|---|---|---|---|---|---|---|
| Other | 357 | $47,363,000 | $132,000 | $942,000 | $77,000 | $1,450,000 |
| Credit History | 253 | $26,418,000 | $104,000 | $455,000 | $55,000 | $795,000 |
| Debt-To-Income Ratio | 146 | $17,735,000 | $121,000 | $754,000 | $53,000 | $461,000 |
| Collateral | 124 | $17,411,000 | $140,000 | $465,000 | $74,000 | $450,000 |
| Credit Application Incomplete | 68 | $8,048,000 | $118,000 | $333,000 | $87,000 | $3,000,000 |
| Unverifiable Information | 42 | $5,277,000 | $125,000 | $232,000 | $63,000 | $176,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,780,000 | $161,000 | $287,000 | $61,000 | $126,000 |
| Employment History | 10 | $1,040,000 | $104,000 | $190,000 | $64,000 | $138,000 |
| 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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