Lincoln County, KS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 27 mortgage applications in Lincoln County, KS totaling $2.9 million, down 23% from 2024. The average application was for $105,000, and applicants reported an average income of $106,000. 59% of applications resulted in an originated loan and 11% were denied. The most active lender was The Bennington State Bank, with 8 applications, followed by Mortgage Research Center and Heartland Credit Union.
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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 | 27 |
| Total Mortgage Loan Application Amount | $2,855,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $315,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $748,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ n/a | 8 | $ 630,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 410,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ n/a | 2 | $ 160,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 30,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 85,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 145,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 95,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 85,000 |
| First National Bank of Hutchinson 1 N MAIN ST HUTCHINSON, KS 67501 |
* | $ n/a | 1 | $ 95,000 |
| Credit Union of Colorado, A Federal Credit Union 1390 LOGAN STREET DENVER, CO 80217 |
* | $ n/a | 1 | $ 205,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 95,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ n/a | 1 | $ 255,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 55,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 145,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 145,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 1 | $ 135,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 1 | $ 85,000 |
The tables below break down 2025 mortgage applications in Lincoln 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 Lincoln County, KS in 2025
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 | 15 | $1,575,000 | $105,000 | $255,000 | $132,000 | $748,000 |
| Other Purpose | 5 | $395,000 | $79,000 | $205,000 | $81,000 | $92,000 |
| Refinancing | 4 | $500,000 | $125,000 | $315,000 | $53,000 | $100,000 |
| Cash-out Refinancing | 3 | $385,000 | $128,000 | $145,000 | $95,000 | $119,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 20 | $1,990,000 | $99,000 | $315,000 | $79,000 | $139,000 |
| Not applicable | 3 | $325,000 | $108,000 | $145,000 | $0 | $0 |
| Not Provided | 3 | $285,000 | $95,000 | $135,000 | $58,000 | $81,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $255,000 | $255,000 | $255,000 | $748,000 | $748,000 |
| 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 |
| Hispanic | 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) | 17 | $1,575,000 | $92,000 | $255,000 | $117,000 | $748,000 |
| FHA-insured (Federal Housing Administration) | 6 | $640,000 | $106,000 | $145,000 | $73,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 4 | $640,000 | $160,000 | $315,000 | $84,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 16 | $1,900,000 | $118,000 | $315,000 | $124,000 | $748,000 |
| Loan Purchased By The Institution | 3 | $325,000 | $108,000 | $145,000 | $0 | $0 |
| Application Denied By Financial Institution | 3 | $215,000 | $71,000 | $105,000 | $60,000 | $88,000 |
| Application Withdrawn By Applicant | 2 | $170,000 | $85,000 | $135,000 | $139,000 | $139,000 |
| File Closed For Incompleteness | 2 | $230,000 | $115,000 | $145,000 | $45,000 | $60,000 |
| Application Approved But Not Accepted | 1 | $15,000 | $15,000 | $15,000 | $75,000 | $75,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 16 | $2,010,000 | $125,000 | $315,000 | $136,000 | $748,000 |
| Debt-To-Income Ratio | 8 | $630,000 | $78,000 | $145,000 | $75,000 | $100,000 |
| Credit History | 2 | $160,000 | $80,000 | $105,000 | $58,000 | $88,000 |
| Collateral | 1 | $55,000 | $55,000 | $55,000 | $66,000 | $66,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
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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