Lincoln County, KS Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 70 mortgage applications in Lincoln County, KS totaling $5.3 million, up 40% from 2012. The average application was for $75,000, and applicants reported an average income of $76,000. 66% of applications resulted in an originated loan and 9% were denied. The most active lender was The Bennington State Bank, with 32 applications, followed by Sunflower Bank, N.A. and Citibank, NA.
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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 | 70 |
| Total Mortgage Loan Application Amount | $5,281,000 |
| Average Mortgage Loan Application Amount | $75,000 |
| Highest Mortgage Loan Application Amount | $274,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $1,035,000 |
| 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 |
* | $ 465,391,000 | 32 | $ 2,105,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,754,705,000 | 6 | $ 636,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 3 | $ 181,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 2 | $ 158,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 196,979,000 | 2 | $ 37,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 2 | $ 239,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 2 | $ 228,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 86,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 889,173,000 | 1 | $ 5,000 |
| Simmons First National Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 2,081,828,000 | 1 | $ 54,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 24,000 |
| Central Bank and Trust Co. 700 EAST 30TH HUTCHINSON, KS 67502 |
* | $ 255,352,000 | 1 | $ 4,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 1 | $ 78,000 |
| Bank of Kansas 524 N MAIN ST SOUTH HUTCHINSON, KS 67501 |
* | $ 315,256,000 | 1 | $ 6,000 |
| The Citizens State Bank 201 S CHRISTIAN, PO BOX 110 MOUNDRIDGE, KS 67107 |
* | $ 275,769,000 | 1 | $ 120,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 164,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 1 | $ 143,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 14,689,863,000 | 1 | $ 94,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 7,984,323,000 | 1 | $ 73,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 396,461,000 | 1 | $ 65,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 1 | $ 54,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 1 | $ 136,000 |
The tables below break down 2013 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 2013
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 | 30 | $2,672,000 | $89,000 | $238,000 | $51,000 | $183,000 |
| Home Purchase | 27 | $2,242,000 | $83,000 | $274,000 | $118,000 | $1,035,000 |
| Home Improvement | 13 | $367,000 | $28,000 | $164,000 | $46,000 | $167,000 |
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 | 61 | $4,757,000 | $77,000 | $274,000 | $82,000 | $1,035,000 |
| Not applicable | 4 | $365,000 | $91,000 | $143,000 | $17,000 | $45,000 |
| Not Provided | 2 | $79,000 | $39,000 | $73,000 | $47,000 | $70,000 |
| American Indian or Alaskan Native | 2 | $60,000 | $30,000 | $30,000 | $63,000 | $66,000 |
| Hispanic | 1 | $20,000 | $20,000 | $20,000 | $24,000 | $24,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 55 | $3,963,000 | $72,000 | $274,000 | $78,000 | $1,035,000 |
| FHA-insured (Federal Housing Administration) | 7 | $532,000 | $76,000 | $159,000 | $107,000 | $273,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $532,000 | $88,000 | $139,000 | $41,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 2 | $254,000 | $127,000 | $136,000 | $37,000 | $74,000 |
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 | 46 | $3,528,000 | $76,000 | $274,000 | $85,000 | $1,035,000 |
| Loan Purchased By The Institution | 7 | $699,000 | $99,000 | $159,000 | $59,000 | $273,000 |
| Application Denied By Financial Institution | 6 | $484,000 | $80,000 | $164,000 | $64,000 | $115,000 |
| Application Withdrawn By Applicant | 5 | $224,000 | $44,000 | $88,000 | $52,000 | $65,000 |
| Application Approved But Not Accepted | 5 | $251,000 | $50,000 | $78,000 | $56,000 | $83,000 |
| File Closed For Incompleteness | 1 | $95,000 | $95,000 | $95,000 | $70,000 | $70,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 3 | $382,000 | $127,000 | $164,000 | $89,000 | $115,000 |
| Collateral | 1 | $72,000 | $72,000 | $72,000 | $45,000 | $45,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| 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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