In 2023, lenders reported 117 mortgage applications in Marshall County, KS totaling $16.2 million, down 21% from 2022. The average application was for $138,000, and applicants reported an average income of $99,000. 56% of applications resulted in an originated loan and 19% were denied. The most active lender was Flagstar Bank NA, with 10 applications, followed by United Bank & Trust and Discover 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 | 117 |
| Total Mortgage Loan Application Amount | $16,245,000 |
| Average Mortgage Loan Application Amount | $138,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $700,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 10 | $ 1,950,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 847,636,000 | 9 | $ 935,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 7 | $ 465,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 5 | $ 605,000 |
| First Heritage Bank PO BOX 188 620 4TH STREET CENTRALIA, KS 66415 |
* | $ 229,275,000 | 5 | $ 915,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 715,000 |
| Kansas State University Federal Credit Union 601 MCCALL ROAD MANHATTAN, KS 66502 |
* | $ 124,551,000 | 4 | $ 770,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 415,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 455,000 |
| The Citizens National Bank 417 COMMERCIAL STREET GREENLEAF, KS 66943 |
* | $ 213,535,000 | 3 | $ 635,000 |
| The Farmers State Bank of Westmoreland 307 MAIN ST, PO BOX 330 WESTMORELAND, KS 66549 |
* | $ 224,724,000 | 3 | $ 535,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 340,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 450,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 7,415,263,000 | 2 | $ 220,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 2 | $ 190,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 942,923,000 | 2 | $ 250,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 2 | $ 190,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 180,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 340,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,208,483,000 | 2 | $ 180,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 180,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 260,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 180,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 450,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 95,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 205,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 7,724,198,000 | 1 | $ 245,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,382,388,000 | 1 | $ 165,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 65,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 205,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 145,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 1 | $ 245,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 85,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 205,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 85,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 185,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 1,498,800,000 | 1 | $ 35,000 |
| Gnbank, N.A. 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 938,981,000 | 1 | $ 165,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 875,403,000 | 1 | $ 105,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 205,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 967,774,000 | 1 | $ 125,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 95,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 230,242,000 | 1 | $ 35,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 25,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,950,802,000 | 1 | $ 65,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 265,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ -1,000 | 1 | $ 45,000 |
The tables below break down 2023 mortgage applications in Marshall County, KS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 75 | $11,195,000 | $149,000 | $585,000 | $85,000 | $324,000 |
| Cash-out Refinancing | 14 | $1,790,000 | $127,000 | $235,000 | $80,000 | $370,000 |
| Other Purpose | 12 | $1,070,000 | $89,000 | $225,000 | $201,000 | $700,000 |
| Refinancing | 11 | $1,965,000 | $178,000 | $585,000 | $91,000 | $158,000 |
| Home Improvement | 5 | $225,000 | $45,000 | $65,000 | $105,000 | $190,000 |
| 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 | 93 | $13,105,000 | $140,000 | $585,000 | $104,000 | $700,000 |
| Not applicable | 8 | $1,210,000 | $151,000 | $265,000 | $0 | $0 |
| Not Provided | 6 | $740,000 | $123,000 | $205,000 | $70,000 | $97,000 |
| Hispanic | 5 | $455,000 | $91,000 | $145,000 | $62,000 | $91,000 |
| American Indian or Alaskan Native | 4 | $480,000 | $120,000 | $205,000 | $77,000 | $100,000 |
| Black or African American | 1 | $255,000 | $255,000 | $255,000 | $102,000 | $102,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 71 | $10,515,000 | $148,000 | $585,000 | $121,000 | $700,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,570,000 | $98,000 | $225,000 | $57,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,325,000 | $120,000 | $255,000 | $57,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,835,000 | $203,000 | $265,000 | $70,000 | $97,000 |
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 | 65 | $8,835,000 | $135,000 | $385,000 | $92,000 | $426,000 |
| Application Denied By Financial Institution | 22 | $2,830,000 | $128,000 | $585,000 | $128,000 | $700,000 |
| Application Withdrawn By Applicant | 11 | $1,925,000 | $175,000 | $585,000 | $119,000 | $370,000 |
| Loan Purchased By The Institution | 9 | $1,455,000 | $161,000 | $265,000 | $76,000 | $76,000 |
| File Closed For Incompleteness | 6 | $920,000 | $153,000 | $235,000 | $71,000 | $95,000 |
| Application Approved But Not Accepted | 4 | $280,000 | $70,000 | $85,000 | $35,000 | $46,000 |
| 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 | 79 | $11,405,000 | $144,000 | $385,000 | $86,000 | $370,000 |
| Debt-To-Income Ratio | 19 | $2,445,000 | $128,000 | $585,000 | $102,000 | $426,000 |
| Collateral | 11 | $1,405,000 | $127,000 | $585,000 | $148,000 | $700,000 |
| Credit Application Incomplete | 3 | $425,000 | $141,000 | $145,000 | $119,000 | $125,000 |
| Credit History | 3 | $365,000 | $121,000 | $165,000 | $188,000 | $324,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $108,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $45,000 | $45,000 |
| 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 |
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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