Mitchell County, KS Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 103 mortgage applications in Mitchell County, KS totaling $9.5 million, up 24% from 2014. The average application was for $91,000, and applicants reported an average income of $62,000. 56% of applications resulted in an originated loan and 26% were denied. The most active lender was Central National Bank, with 33 applications, followed by Wells Fargo Bank NA and State Bank of Downs.
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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 | 103 |
| Total Mortgage Loan Application Amount | $9,455,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $224,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $270,000 |
| 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 |
* | $ 890,389,000 | 33 | $ 2,874,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 9 | $ 695,000 |
| State Bank of Downs 7887 E. BELLEVIEW AVE #100 ENGLEWOOD, CO 80111 |
* | $ 98,193,000 | 6 | $ 454,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 2 | $ 113,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 562,548,000 | 2 | $ 152,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 280,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 2 | $ 347,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 2 | $ 334,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 199,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 259,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 308,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 118,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 206,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 151,000 |
| Envista Federal Credit Union 3626 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 265,171,000 | 1 | $ 95,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 5,244,310,000 | 1 | $ 190,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 583,337,000 | 1 | $ 108,000 |
| Denver Community Credit Union 1075 ACOMA STREET DENVER, CO 80204 |
* | $ 269,455,000 | 1 | $ 61,000 |
| St. Marys State Bank, the 905 E BERTRAND AVE ST. MARYS, KS 66536 |
* | $ 95,493,000 | 1 | $ 49,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 154,292,000 | 1 | $ 29,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 130,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 589,881,000 | 1 | $ 146,000 |
| Citizens Bank of Kansas 300 N MAIN ST KINGMAN, KS 67068 |
* | $ 236,364,000 | 1 | $ 16,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 1 | $ 52,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 71,682,343,000 | 1 | $ 40,000 |
| Community National Bank 210 MAIN ST SENECA, KS 66538 |
* | $ 379,454,000 | 1 | $ 148,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 131,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 90,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 1 | $ 224,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 1 | $ 26,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 95,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 1 | $ 75,000 |
| American Lending Solutions LLC N4365 STATE HWY 73 COLUMBUS, WI 53925 |
* | $ 10,861,469,000 | 1 | $ 118,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 8,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,371,000 | 1 | $ 4,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 43,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 62,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 59,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 47,000 |
The tables below break down 2015 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 2015
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 | 53 | $4,879,000 | $92,000 | $224,000 | $63,000 | $270,000 |
| Home Purchase | 42 | $4,232,000 | $100,000 | $191,000 | $61,000 | $229,000 |
| Home Improvement | 8 | $344,000 | $43,000 | $165,000 | $61,000 | $168,000 |
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 | 83 | $7,624,000 | $91,000 | $224,000 | $65,000 | $270,000 |
| Not applicable | 8 | $553,000 | $69,000 | $131,000 | $15,000 | $120,000 |
| Not Provided | 6 | $605,000 | $100,000 | $184,000 | $56,000 | $76,000 |
| Hispanic | 5 | $601,000 | $120,000 | $191,000 | $76,000 | $129,000 |
| American Indian or Alaskan Native | 1 | $72,000 | $72,000 | $72,000 | $153,000 | $153,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 64 | $5,545,000 | $86,000 | $224,000 | $76,000 | $270,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,460,000 | $81,000 | $197,000 | $36,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,207,000 | $122,000 | $198,000 | $47,000 | $82,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $243,000 | $81,000 | $130,000 | $18,000 | $56,000 |
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 | 58 | $5,421,000 | $93,000 | $224,000 | $70,000 | $270,000 |
| Application Denied By Financial Institution | 27 | $2,449,000 | $90,000 | $216,000 | $60,000 | $177,000 |
| Application Withdrawn By Applicant | 8 | $805,000 | $100,000 | $180,000 | $62,000 | $90,000 |
| Loan Purchased By The Institution | 7 | $577,000 | $82,000 | $131,000 | $6,000 | $43,000 |
| File Closed For Incompleteness | 2 | $73,000 | $36,000 | $47,000 | $60,000 | $78,000 |
| Application Approved But Not Accepted | 1 | $130,000 | $130,000 | $130,000 | $56,000 | $56,000 |
| 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 | 6 | $497,000 | $82,000 | $191,000 | $64,000 | $172,000 |
| Debt-To-Income Ratio | 6 | $538,000 | $89,000 | $150,000 | $36,000 | $70,000 |
| Collateral | 4 | $375,000 | $93,000 | $133,000 | $47,000 | $62,000 |
| Credit Application Incomplete | 3 | $219,000 | $73,000 | $118,000 | $88,000 | $153,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $216,000 | $216,000 | $216,000 | $177,000 | $177,000 |
| Other | 1 | $165,000 | $165,000 | $165,000 | $168,000 | $168,000 |
| Unverifiable Information | 1 | $107,000 | $107,000 | $107,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 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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