Central Star Financial Sol LLC Mortgage Lending & HMDA Data, 2014
In 2014, Central Star Financial Sol LLC of Wichita, KS reported 162 mortgage applications totaling $13.1 million. The average application was for $80,882, and applicants reported an average income of $66,302. 52% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Wichita, KS (89), Topeka, KS (52) and Kansas City, MO-KS (3) (applications in parentheses).
| Mortgage Company & Address | Central Star Financial Sol LLC 9555 Corporate Hills Drive Wichita, KS 67207 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 |
| Total Number of Mortgage Applications | 162 |
| Total Mortgage Loan Application Amount | $13,103,000 |
| Average Mortgage Loan Application Amount | $80,882 |
| Highest Mortgage Loan Application Amount | $416,000 |
| Average Applicant Income | $66,302 |
| Highest Applicant Income | $333,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Central Star Financial Sol LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wichita, KS | 89 | $ 7,503,000 | $ 84,303 | $ 68,000 |
| Topeka, KS | 52 | $ 4,185,000 | $ 80,480 | $ 67,000 |
| Kansas City, MO-KS | 3 | $ 381,000 | $ 127,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Central Star Financial Sol LLC 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 |
|---|---|---|---|---|---|---|
| Refinancing | 88 | $6,583,000 | $74,000 | $190,000 | $59,000 | $143,000 |
| Home Purchase | 69 | $6,340,000 | $91,000 | $416,000 | $71,000 | $268,000 |
| Home Improvement | 5 | $180,000 | $36,000 | $40,000 | $130,000 | $333,000 |
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 | 100 | $8,947,000 | $89,000 | $416,000 | $69,000 | $268,000 |
| Hispanic | 28 | $1,858,000 | $66,000 | $176,000 | $52,000 | $194,000 |
| Not Provided | 17 | $1,009,000 | $59,000 | $160,000 | $75,000 | $333,000 |
| Black or African American | 13 | $881,000 | $67,000 | $119,000 | $61,000 | $94,000 |
| Asian | 2 | $129,000 | $64,000 | $68,000 | $68,000 | $69,000 |
| American Indian or Alaskan Native | 1 | $154,000 | $154,000 | $154,000 | $70,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $47,000 | $47,000 |
| Not applicable | 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) | 154 | $12,252,000 | $79,000 | $416,000 | $67,000 | $333,000 |
| VA-guaranteed (Veterans Administration) | 5 | $505,000 | $101,000 | $213,000 | $49,000 | $82,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $272,000 | $136,000 | $175,000 | $73,000 | $91,000 |
| FHA-insured (Federal Housing Administration) | 1 | $74,000 | $74,000 | $74,000 | $29,000 | $29,000 |
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 | 85 | $7,315,000 | $86,000 | $416,000 | $70,000 | $268,000 |
| Application Withdrawn By Applicant | 34 | $2,450,000 | $72,000 | $204,000 | $58,000 | $130,000 |
| Application Denied By Financial Institution | 27 | $1,736,000 | $64,000 | $127,000 | $63,000 | $333,000 |
| File Closed For Incompleteness | 12 | $1,257,000 | $104,000 | $190,000 | $59,000 | $115,000 |
| Application Approved But Not Accepted | 4 | $345,000 | $86,000 | $122,000 | $87,000 | $125,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 | $497,000 | $71,000 | $127,000 | $47,000 | $106,000 |
| Debt-To-Income Ratio | 3 | $170,000 | $56,000 | $70,000 | $26,000 | $29,000 |
| Collateral | 3 | $90,000 | $30,000 | $30,000 | $122,000 | $333,000 |
| Other | 1 | $123,000 | $123,000 | $123,000 | $143,000 | $143,000 |
| Employment History | 1 | $71,000 | $71,000 | $71,000 | $38,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Star Financial Sol LLC's 2014 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Central Star Financial Sol LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kansas, download the full spreadsheet
with aggregated HMDA statistics today.
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