Mitchell County, KS Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 82 mortgage applications in Mitchell County, KS totaling $6.9 million, up 19% from 2017. The average application was for $83,000, and applicants reported an average income of $50,000. 55% of applications resulted in an originated loan and 20% were denied. The most active lender was Central National Bank, with 31 applications, followed by The Bennington State Bank and loanDepot.com LLC.
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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 | 82 |
| Total Mortgage Loan Application Amount | $6,850,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $235,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $158,000 |
| 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 |
* | $ 933,081,000 | 31 | $ 2,585,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 700,293,000 | 6 | $ 320,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 455,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 355,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 2 | $ 170,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 3,678,712,000 | 2 | $ 200,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 2 | $ 290,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 240,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 320,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 969,487,000 | 2 | $ 70,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 135,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 35,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 1 | $ 85,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 115,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 165,277,000 | 1 | $ 35,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 35,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 95,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 105,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 95,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 65,000 |
| Rose Hill Bank 107 N ROSE HILL RD ROSE HILL, KS 67133 |
* | $ 318,745,000 | 1 | $ 35,000 |
| Kansas State University Federal Credit Union 601 MCCALL ROAD MANHATTAN, KS 66502 |
* | $ 83,743,000 | 1 | $ 145,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 3,836,505,000 | 1 | $ 45,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 75,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 587,365,000 | 1 | $ 75,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 65,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 85,000 |
| State Bank of Downs 7887 E. BELLEVIEW AVE #100 ENGLEWOOD, CO 80111 |
* | $ 93,739,000 | 1 | $ 15,000 |
The tables below break down 2018 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 2018
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 | 39 | $3,395,000 | $87,000 | $225,000 | $44,000 | $158,000 |
| Cash-out Refinancing | 32 | $2,690,000 | $84,000 | $235,000 | $56,000 | $127,000 |
| Refinancing | 7 | $475,000 | $67,000 | $95,000 | $51,000 | $74,000 |
| Other Purpose | 2 | $70,000 | $35,000 | $35,000 | $67,000 | $87,000 |
| Home Improvement | 2 | $220,000 | $110,000 | $125,000 | $46,000 | $46,000 |
| 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 | 70 | $5,890,000 | $84,000 | $235,000 | $52,000 | $158,000 |
| Not Provided | 7 | $505,000 | $72,000 | $125,000 | $41,000 | $72,000 |
| Hispanic | 3 | $275,000 | $91,000 | $135,000 | $40,000 | $61,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $31,000 | $31,000 |
| Not applicable | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| 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) | 57 | $4,565,000 | $80,000 | $235,000 | $51,000 | $127,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,385,000 | $92,000 | $225,000 | $50,000 | $158,000 |
| VA-guaranteed (Veterans Administration) | 7 | $755,000 | $107,000 | $175,000 | $56,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $145,000 | $48,000 | $55,000 | $30,000 | $34,000 |
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 | 45 | $3,855,000 | $85,000 | $235,000 | $51,000 | $127,000 |
| Application Denied By Financial Institution | 16 | $1,240,000 | $77,000 | $135,000 | $51,000 | $105,000 |
| Application Withdrawn By Applicant | 14 | $1,010,000 | $72,000 | $135,000 | $38,000 | $66,000 |
| Loan Purchased By The Institution | 4 | $350,000 | $87,000 | $105,000 | $43,000 | $48,000 |
| File Closed For Incompleteness | 3 | $395,000 | $131,000 | $225,000 | $94,000 | $158,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 57 | $5,205,000 | $91,000 | $235,000 | $53,000 | $158,000 |
| Debt-To-Income Ratio | 14 | $800,000 | $57,000 | $135,000 | $36,000 | $59,000 |
| Credit History | 5 | $355,000 | $71,000 | $105,000 | $39,000 | $69,000 |
| Credit Application Incomplete | 4 | $370,000 | $92,000 | $125,000 | $70,000 | $105,000 |
| Collateral | 1 | $35,000 | $35,000 | $35,000 | $87,000 | $87,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Other | 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 |
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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