Lincoln County, KS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 35 mortgage applications in Lincoln County, KS totaling $4.2 million, up 25% from 2023. The average application was for $121,000, and applicants reported an average income of $117,000. 51% of applications resulted in an originated loan and 14% were denied. The most active lender was The Bennington State Bank, with 8 applications, followed by PennyMac Loan Services LLC and USAA Federal Savings 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 | 35 |
| Total Mortgage Loan Application Amount | $4,245,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $117,000 |
| Highest Applicant Income | $673,000 |
| 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 | $ 940,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 310,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 175,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 40,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 170,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 2 | $ 300,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 370,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 210,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 85,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 75,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 395,000 |
| Brighton Bank 7663 HIGHWAY 51 S BRIGHTON, TN 38011 |
* | $ n/a | 1 | $ 255,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 175,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ n/a | 1 | $ 205,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 1 | $ 185,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 85,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2024 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 2024
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 | 19 | $3,135,000 | $165,000 | $485,000 | $123,000 | $673,000 |
| Cash-out Refinancing | 8 | $660,000 | $82,000 | $115,000 | $94,000 | $125,000 |
| Home Improvement | 3 | $115,000 | $38,000 | $75,000 | $89,000 | $165,000 |
| Refinancing | 3 | $305,000 | $101,000 | $145,000 | $194,000 | $334,000 |
| Other Purpose | 2 | $30,000 | $15,000 | $25,000 | $114,000 | $114,000 |
| 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 | 26 | $3,010,000 | $115,000 | $485,000 | $104,000 | $334,000 |
| Not applicable | 4 | $440,000 | $110,000 | $175,000 | $0 | $0 |
| Not Provided | 3 | $505,000 | $168,000 | $395,000 | $249,000 | $673,000 |
| Hispanic | 2 | $290,000 | $145,000 | $205,000 | $79,000 | $109,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 18 | $2,040,000 | $113,000 | $485,000 | $146,000 | $673,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,145,000 | $127,000 | $315,000 | $67,000 | $141,000 |
| FHA-insured (Federal Housing Administration) | 6 | $790,000 | $131,000 | $175,000 | $96,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $270,000 | $135,000 | $185,000 | $79,000 | $109,000 |
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 | 18 | $2,650,000 | $147,000 | $485,000 | $148,000 | $673,000 |
| Application Denied By Financial Institution | 5 | $285,000 | $57,000 | $85,000 | $78,000 | $114,000 |
| Loan Purchased By The Institution | 4 | $440,000 | $110,000 | $175,000 | $0 | $0 |
| Application Withdrawn By Applicant | 3 | $215,000 | $71,000 | $85,000 | $58,000 | $125,000 |
| Application Approved But Not Accepted | 3 | $475,000 | $158,000 | $255,000 | $95,000 | $109,000 |
| File Closed For Incompleteness | 2 | $180,000 | $90,000 | $105,000 | $29,000 | $29,000 |
| 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 | 23 | $2,845,000 | $123,000 | $395,000 | $118,000 | $673,000 |
| Debt-To-Income Ratio | 9 | $1,195,000 | $132,000 | $485,000 | $130,000 | $334,000 |
| Other | 2 | $150,000 | $75,000 | $85,000 | $83,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $74,000 | $74,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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