Rose Hill Bank Mortgage Lending & HMDA Data, 2014
In 2014, Rose Hill Bank of Rose Hill, KS reported 166 mortgage applications totaling $19.3 million, up 4% from 2013. The average application was for $115,993, and applicants reported an average income of $86,578. 55% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Wichita, KS (146), Houston-The Woodlands-Sugar Land, TX (2) and Austin-Round Rock, TX (1) (applications in parentheses).
| Mortgage Company & Address | Rose Hill Bank 107 N Rose Hill Rd Rose Hill, KS 67133 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 166 |
| Total Mortgage Loan Application Amount | $19,255,000 |
| Average Mortgage Loan Application Amount | $115,993 |
| Highest Mortgage Loan Application Amount | $1,190,000 |
| Average Applicant Income | $86,578 |
| Highest Applicant Income | $1,701,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rose Hill Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sedgwick, Kansas | 98 | $ 12,146,000 | $ 123,938 | $ 65,000 |
| Butler, Kansas | 41 | $ 4,406,000 | $ 107,463 | $ 136,000 |
| Sumner, Kansas | 3 | $ 251,000 | $ 83,666 | $ 85,000 |
| Cowley, Kansas | 2 | $ 340,000 | $ 170,000 | $ 77,000 |
| Harvey, Kansas | 2 | $ 460,000 | $ 230,000 | $ 51,000 |
| Kingman, Kansas | 2 | $ 560,000 | $ 280,000 | $ 98,000 |
| Stone, Arkansas | 1 | $ 71,000 | $ 71,000 | $ 49,000 |
| Union, Arkansas | 1 | $ 90,000 | $ 90,000 | $ 85,000 |
| Miami-Dade, Florida | 1 | $ 93,000 | $ 93,000 | $ 165,000 |
| Polk, Florida | 1 | $ 93,000 | $ 93,000 | $ 345,000 |
| Pearl River, Mississippi | 1 | $ 47,000 | $ 47,000 | $ 44,000 |
| Cherokee, Oklahoma | 1 | $ 39,000 | $ 39,000 | $ 26,000 |
| Lincoln, Oklahoma | 1 | $ 64,000 | $ 64,000 | $ 38,000 |
| Okfuskee, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 61,000 |
| Rogers, Oklahoma | 1 | $ 48,000 | $ 48,000 | $ 201,000 |
| Bastrop, Texas | 1 | $ 51,000 | $ 51,000 | $ 42,000 |
| Bexar, Texas | 1 | $ 57,000 | $ 57,000 | $ 42,000 |
| Brazoria, Texas | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Chambers, Texas | 1 | $ 39,000 | $ 39,000 | $ 56,000 |
| Goliad, Texas | 1 | $ 53,000 | $ 53,000 | $ 84,000 |
| Hill, Texas | 1 | $ 136,000 | $ 136,000 | $ 58,000 |
| Leon, Texas | 1 | $ 53,000 | $ 53,000 | $ 41,000 |
| Llano, Texas | 1 | $ 30,000 | $ 30,000 | $ 122,000 |
| Red River, Texas | 1 | $ 58,000 | $ 58,000 | $ 218,000 |
Mortgage Loan Application Detail Totals for Rose Hill Bank 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 | 80 | $8,389,000 | $104,000 | $818,000 | $90,000 | $345,000 |
| Refinancing | 62 | $8,645,000 | $139,000 | $1,190,000 | $94,000 | $1,701,000 |
| Home Improvement | 24 | $2,221,000 | $92,000 | $335,000 | $56,000 | $206,000 |
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 | 107 | $12,836,000 | $119,000 | $818,000 | $112,000 | $1,701,000 |
| Not applicable | 32 | $4,108,000 | $128,000 | $1,190,000 | $0 | $0 |
| Asian | 12 | $820,000 | $68,000 | $93,000 | $115,000 | $345,000 |
| Hispanic | 5 | $261,000 | $52,000 | $88,000 | $41,000 | $57,000 |
| American Indian or Alaskan Native | 4 | $193,000 | $48,000 | $71,000 | $92,000 | $201,000 |
| Not Provided | 3 | $74,000 | $24,000 | $39,000 | $49,000 | $56,000 |
| Black or African American | 3 | $963,000 | $321,000 | $809,000 | $123,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 166 | $19,255,000 | $115,000 | $1,190,000 | $87,000 | $1,701,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 92 | $12,275,000 | $133,000 | $1,190,000 | $103,000 | $1,701,000 |
| Application Approved But Not Accepted | 28 | $2,959,000 | $105,000 | $265,000 | $66,000 | $206,000 |
| Application Denied By Financial Institution | 25 | $2,653,000 | $106,000 | $809,000 | $60,000 | $240,000 |
| Loan Purchased By The Institution | 16 | $906,000 | $56,000 | $136,000 | $75,000 | $218,000 |
| Application Withdrawn By Applicant | 5 | $462,000 | $92,000 | $225,000 | $72,000 | $96,000 |
| File Closed For Incompleteness | 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 | 10 | $756,000 | $75,000 | $160,000 | $52,000 | $77,000 |
| Debt-To-Income Ratio | 9 | $579,000 | $64,000 | $160,000 | $43,000 | $112,000 |
| Collateral | 3 | $886,000 | $295,000 | $809,000 | $107,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $330,000 | $165,000 | $200,000 | $113,000 | $130,000 |
| Employment History | 1 | $102,000 | $102,000 | $102,000 | $41,000 | $41,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rose Hill Bank'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 Rose Hill Bank'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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