In 2013, lenders reported 369 mortgage applications in Nemaha County, KS totaling $36.4 million, down 15% from 2012. The average application was for $98,000, and applicants reported an average income of $68,000. 73% of applications resulted in an originated loan and 11% were denied. The most active lender was United Bank & Trust, with 107 applications, followed by Bank of Blue Valley and Community National 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 | 369 |
| Total Mortgage Loan Application Amount | $36,376,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $409,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 547,458,000 | 107 | $ 10,621,000 |
| Bank of Blue Valley 6740 ANTIOCH MERRIAM, KS 66204 |
* | $ 754,575,000 | 76 | $ 6,502,000 |
| Community National Bank 210 MAIN ST SENECA, KS 66538 |
* | $ 279,998,000 | 72 | $ 7,272,000 |
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 10 | $ 1,050,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 7 | $ 1,038,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 7 | $ 902,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 7 | $ 671,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 5 | $ 528,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 5 | $ 455,000 |
| Denison State Bank 421 NEW YORK AVENUE HOLTON, KS 66436 |
* | $ 281,973,000 | 4 | $ 414,000 |
| Envista Federal Credit Union 3626 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 233,568,000 | 4 | $ 384,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 3 | $ 505,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 196,979,000 | 3 | $ 33,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 3 | $ 304,000 |
| The Farmers State Bank 209 MONTANA AVENUE, PO BOX 465 HOLTON, KS 66436 |
* | $ 57,506,000 | 3 | $ 66,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 3 | $ 175,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 318,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 2 | $ 415,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 203,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 271,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 170,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 560,406,000 | 2 | $ 82,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 153,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 306,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 156,000 |
| Esb Financial 801 MERCHANT EMPORIA, KS 66801 |
* | $ 168,815,000 | 1 | $ 180,000 |
| Corefirst Bank & Trust 3035 S TOPEKA BLVD TOPEKA, KS 66611 |
* | $ 1,031,522,000 | 1 | $ 216,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ 12,988,000 | 1 | $ 61,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 190,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 98,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ 195,308,000 | 1 | $ 100,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 1 | $ 97,000 |
| Boulevard Bank 111 E.MAIN STREET NEOSHO, MO 64850 |
* | $ 164,959,000 | 1 | $ 24,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 2,029,920,000 | 1 | $ 15,000 |
| State Bank of Table Rock 402 HOUSTON TABLE ROCK, NE 68447 |
* | $ 53,794,000 | 1 | $ 23,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 342,000 |
| The Farmers State Bank of Westmoreland 307 MAIN ST, PO BOX 330 WESTMORELAND, KS 66549 |
* | $ 136,802,000 | 1 | $ 124,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 50,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 65,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 128,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 17,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 612,317,000 | 1 | $ 156,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 768,613,000 | 1 | $ 97,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,241,781,000 | 1 | $ 261,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 350,904,000 | 1 | $ 75,000 |
| Educational Credit Union 2808 SW ARROWHEAD RD TOPEKA, KS 66614 |
* | $ 175,017,000 | 1 | $ 17,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 213,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 1 | $ 79,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 1 | $ 20,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 25,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 1 | $ 125,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 160,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 1 | $ 63,000 |
The tables below break down 2013 mortgage applications in Nemaha 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 |
|---|---|---|---|---|---|---|
| Refinancing | 184 | $20,551,000 | $111,000 | $355,000 | $78,000 | $409,000 |
| Home Purchase | 149 | $13,704,000 | $91,000 | $350,000 | $57,000 | $255,000 |
| Home Improvement | 36 | $2,121,000 | $58,000 | $221,000 | $63,000 | $298,000 |
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 | 342 | $34,089,000 | $99,000 | $355,000 | $70,000 | $409,000 |
| Not applicable | 11 | $974,000 | $88,000 | $160,000 | $31,000 | $84,000 |
| Not Provided | 10 | $942,000 | $94,000 | $261,000 | $68,000 | $127,000 |
| Asian | 3 | $232,000 | $77,000 | $156,000 | $82,000 | $125,000 |
| Black or African American | 2 | $113,000 | $56,000 | $63,000 | $49,000 | $54,000 |
| American Indian or Alaskan Native | 1 | $26,000 | $26,000 | $26,000 | $29,000 | $29,000 |
| Hispanic | 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) | 319 | $31,370,000 | $98,000 | $355,000 | $72,000 | $409,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,192,000 | $99,000 | $190,000 | $44,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,471,000 | $86,000 | $143,000 | $40,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,343,000 | $122,000 | $160,000 | $60,000 | $85,000 |
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 | 269 | $26,632,000 | $99,000 | $350,000 | $70,000 | $409,000 |
| Application Denied By Financial Institution | 40 | $3,564,000 | $89,000 | $342,000 | $60,000 | $180,000 |
| Application Withdrawn By Applicant | 21 | $2,339,000 | $111,000 | $261,000 | $76,000 | $359,000 |
| Application Approved But Not Accepted | 15 | $1,484,000 | $98,000 | $355,000 | $63,000 | $136,000 |
| Loan Purchased By The Institution | 14 | $1,389,000 | $99,000 | $160,000 | $53,000 | $84,000 |
| File Closed For Incompleteness | 10 | $968,000 | $96,000 | $158,000 | $55,000 | $102,000 |
| 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 | 9 | $612,000 | $68,000 | $87,000 | $37,000 | $75,000 |
| Debt-To-Income Ratio | 5 | $378,000 | $75,000 | $124,000 | $60,000 | $138,000 |
| Collateral | 5 | $430,000 | $86,000 | $178,000 | $84,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $156,000 | $78,000 | $81,000 | $44,000 | $51,000 |
| Other | 1 | $261,000 | $261,000 | $261,000 | $127,000 | $127,000 |
| Unverifiable Information | 1 | $143,000 | $143,000 | $143,000 | $51,000 | $51,000 |
| Credit Application Incomplete | 1 | $102,000 | $102,000 | $102,000 | $72,000 | $72,000 |
| Employment History | 1 | $20,000 | $20,000 | $20,000 | $26,000 | $26,000 |
| 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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