Mitchell County, KS Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 66 mortgage applications in Mitchell County, KS totaling $7.2 million, down 47% from 2021. The average application was for $109,000, and applicants reported an average income of $68,000. 44% of applications resulted in an originated loan and 14% were denied. The most active lender was Central National Bank, with 11 applications, followed by Mortgage Investment Services Corporation and Newrez 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 | 66 |
| Total Mortgage Loan Application Amount | $7,240,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $195,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $220,000 |
Top Mortgage Lenders in Mitchell County, KS (2022)
Ranked by the number of mortgage applications each lender reported in Mitchell County, KS in 2022.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Central National Bank Junction City, KS |
11 | $1,175,000 | $106,000 | $69,000 |
| 2 | Mortgage Investment Services Corporation Shawnee, KS |
5 | $555,000 | $111,000 | $74,000 |
| 3 | Newrez LLC Fort Washington, PA |
3 | $335,000 | $111,000 | $50,000 |
| 4 | Members Mortgage Services, LLC Hutchinson, KS |
3 | $405,000 | $135,000 | $220,000 |
| 5 | Wells Fargo Bank NA Minneapolis, MN |
2 | $170,000 | $85,000 | $20,000 |
| 6 | Golden Plains Credit Union Garden City, KS |
2 | $240,000 | $120,000 | $83,000 |
| 7 | Mortgage Research Center Columbia, MO |
2 | $360,000 | $180,000 | $106,000 |
| 8 | Planet Home Lending, LLC Meriden, CT |
2 | $160,000 | $80,000 | $33,000 |
| 9 | PennyMac Loan Services LLC Westlake Village, CA |
2 | $280,000 | $140,000 | $0 |
| 10 | The Bennington State Bank Salina, KS |
2 | $190,000 | $95,000 | $73,000 |
The tables below break down 2022 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 2022
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 | 41 | $4,495,000 | $109,000 | $195,000 | $70,000 | $220,000 |
| Cash-out Refinancing | 13 | $1,455,000 | $111,000 | $175,000 | $63,000 | $116,000 |
| Refinancing | 10 | $1,140,000 | $114,000 | $195,000 | $69,000 | $122,000 |
| Not Applicable | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Other Purpose | 1 | $35,000 | $35,000 | $35,000 | $44,000 | $44,000 |
| Home Improvement | 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 | 48 | $5,250,000 | $109,000 | $195,000 | $69,000 | $220,000 |
| Not applicable | 9 | $1,135,000 | $126,000 | $195,000 | $33,000 | $33,000 |
| Not Provided | 8 | $770,000 | $96,000 | $175,000 | $70,000 | $116,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $37,000 | $37,000 |
| 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) | 39 | $4,285,000 | $109,000 | $195,000 | $69,000 | $155,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,535,000 | $102,000 | $195,000 | $71,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 7 | $955,000 | $136,000 | $195,000 | $72,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $465,000 | $93,000 | $115,000 | $52,000 | $76,000 |
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 | 29 | $3,335,000 | $115,000 | $195,000 | $69,000 | $220,000 |
| Loan Purchased By The Institution | 9 | $1,135,000 | $126,000 | $195,000 | $33,000 | $33,000 |
| Application Denied By Financial Institution | 9 | $695,000 | $77,000 | $155,000 | $64,000 | $116,000 |
| Application Withdrawn By Applicant | 9 | $985,000 | $109,000 | $165,000 | $74,000 | $110,000 |
| File Closed For Incompleteness | 6 | $590,000 | $98,000 | $165,000 | $54,000 | $72,000 |
| Application Approved But Not Accepted | 4 | $500,000 | $125,000 | $165,000 | $81,000 | $113,000 |
| 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 | 55 | $6,355,000 | $115,000 | $195,000 | $69,000 | $220,000 |
| Collateral | 4 | $300,000 | $75,000 | $155,000 | $82,000 | $116,000 |
| Debt-To-Income Ratio | 4 | $370,000 | $92,000 | $115,000 | $54,000 | $95,000 |
| Credit History | 2 | $170,000 | $85,000 | $135,000 | $67,000 | $89,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $42,000 | $42,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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