Mitchell County, KS Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 104 mortgage applications in Mitchell County, KS totaling $6.6 million, down 45% from 2007. The average application was for $63,000, and applicants reported an average income of $48,000. 46% of applications resulted in an originated loan and 39% were denied. The most active lender was Central National Bank, with 28 applications, followed by Beneficial Company LLC and Sunflower Bank, N.A..
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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 | 104 |
| Total Mortgage Loan Application Amount | $6,635,000 |
| Average Mortgage Loan Application Amount | $63,000 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $228,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 863,991,000 | 28 | $ 1,850,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 10 | $ 521,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,578,734,000 | 7 | $ 236,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 7 | $ 476,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 322,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 5 | $ 384,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 5 | $ 595,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 4 | $ 204,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 4 | $ 217,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 4 | $ 376,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 141,000 |
| State Bank of Downs 7887 E. BELLEVIEW AVE #100 ENGLEWOOD, CO 80111 |
* | $ 48,809,000 | 3 | $ 188,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 88,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 2 | $ 183,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 1 | $ 8,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 1 | $ 78,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 1 | $ 51,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 1 | $ 23,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 183,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 66,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 66,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 1 | $ 9,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 77,748,330,000 | 1 | $ 50,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 47,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 3,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 73,000 |
| Wells Fargo Fin'l Kansas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 15,000 |
The tables below break down 2008 mortgage applications in Mitchell 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 Mitchell County, KS in 2008
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 | 56 | $3,667,000 | $65,000 | $175,000 | $41,000 | $225,000 |
| Refinancing | 32 | $2,278,000 | $71,000 | $205,000 | $57,000 | $129,000 |
| Home Improvement | 16 | $690,000 | $43,000 | $250,000 | $56,000 | $228,000 |
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 | 91 | $5,937,000 | $65,000 | $250,000 | $50,000 | $228,000 |
| Not Provided | 8 | $423,000 | $52,000 | $78,000 | $44,000 | $124,000 |
| Not applicable | 3 | $179,000 | $59,000 | $66,000 | $20,000 | $60,000 |
| Hispanic | 2 | $96,000 | $48,000 | $68,000 | $41,000 | $55,000 |
| 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) | 75 | $4,661,000 | $62,000 | $250,000 | $50,000 | $228,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,279,000 | $67,000 | $135,000 | $46,000 | $124,000 |
| VA-guaranteed (Veterans Administration) | 6 | $481,000 | $80,000 | $117,000 | $39,000 | $76,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $214,000 | $53,000 | $78,000 | $41,000 | $48,000 |
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 | 48 | $3,198,000 | $66,000 | $205,000 | $55,000 | $228,000 |
| Application Denied By Financial Institution | 41 | $2,528,000 | $61,000 | $250,000 | $43,000 | $189,000 |
| Application Approved But Not Accepted | 5 | $186,000 | $37,000 | $78,000 | $40,000 | $82,000 |
| Loan Purchased By The Institution | 5 | $339,000 | $67,000 | $117,000 | $23,000 | $60,000 |
| Application Withdrawn By Applicant | 4 | $299,000 | $74,000 | $107,000 | $55,000 | $75,000 |
| File Closed For Incompleteness | 1 | $85,000 | $85,000 | $85,000 | $78,000 | $78,000 |
| 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 History | 17 | $862,000 | $50,000 | $111,000 | $34,000 | $69,000 |
| Debt-To-Income Ratio | 3 | $134,000 | $44,000 | $56,000 | $18,000 | $20,000 |
| Collateral | 3 | $234,000 | $78,000 | $86,000 | $71,000 | $90,000 |
| Credit Application Incomplete | 3 | $93,000 | $31,000 | $50,000 | $37,000 | $65,000 |
| Unverifiable Information | 1 | $250,000 | $250,000 | $250,000 | $189,000 | $189,000 |
| 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 |
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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