Nemaha County, KS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 169 mortgage applications in Nemaha County, KS totaling $24.1 million, down 27% from 2022. The average application was for $142,000, and applicants reported an average income of $91,000. 72% of applications resulted in an originated loan and 8% were denied. The most active lender was United Bank & Trust, with 35 applications, followed by Community National Bank and First Heritage 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 | 169 |
| Total Mortgage Loan Application Amount | $24,055,000 |
| Average Mortgage Loan Application Amount | $142,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $564,000 |
| 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 |
* | $ 847,636,000 | 35 | $ 4,985,000 |
| Community National Bank 210 MAIN ST SENECA, KS 66538 |
* | $ 863,439,000 | 24 | $ 3,770,000 |
| First Heritage Bank PO BOX 188 620 4TH STREET CENTRALIA, KS 66415 |
* | $ 229,275,000 | 23 | $ 3,055,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 1,185,000 |
| Htlf Bank 1800 LARIMER ST #1800 DENVER, CO 80202 |
* | $ 9,178,296,000 | 4 | $ 180,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 4 | $ 60,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 4 | $ 540,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 555,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 785,000 |
| Gnbank, N.A. 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 938,981,000 | 3 | $ 425,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 1,035,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 2 | $ 350,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 350,000 |
| Azura Credit Union 610 SW 10TH AVENUE TOPEKA, KS 66612 |
* | $ 740,353,000 | 2 | $ 150,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 200,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 320,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 320,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 1,196,346,000 | 2 | $ 130,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 379,838,000 | 2 | $ 50,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 2 | $ 80,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 1 | $ 195,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 215,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 155,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 55,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 230,242,000 | 1 | $ 85,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 265,000 |
| Bendena State Bank 933 FRIENDSHIP RD. PO BOX 147 BENDENA, KS 66008 |
* | $ 103,460,000 | 1 | $ 25,000 |
| Union State Bank of Everest PO BOX 105 EVEREST, KS 66424 |
* | $ 422,409,000 | 1 | $ 225,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 47,596,192,000 | 1 | $ 175,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 185,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 4,700,520,000 | 1 | $ 45,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 12,493,973,000 | 1 | $ 125,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 85,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 444,412,000 | 1 | $ 245,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,956,034,000 | 1 | $ 35,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 95,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 75,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 55,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 1 | $ 5,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 185,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 55,000 |
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ 439,956,000 | 1 | $ 215,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 315,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 1,405,806,000 | 1 | $ 15,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 205,000 |
| American Southwest Credit Union PO BOX 370 SIERRA VISTA, AZ 85635 |
* | $ 363,496,000 | 1 | $ 195,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 1 | $ 215,000 |
The tables below break down 2023 mortgage applications in Nemaha 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 Nemaha County, KS in 2023
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 | 96 | $16,900,000 | $176,000 | $505,000 | $95,000 | $564,000 |
| Refinancing | 26 | $2,670,000 | $102,000 | $225,000 | $89,000 | $502,000 |
| Cash-out Refinancing | 19 | $2,595,000 | $136,000 | $375,000 | $64,000 | $138,000 |
| Other Purpose | 16 | $1,050,000 | $65,000 | $335,000 | $88,000 | $169,000 |
| Home Improvement | 11 | $785,000 | $71,000 | $355,000 | $112,000 | $268,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $33,000 | $33,000 |
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 | 126 | $19,290,000 | $153,000 | $505,000 | $94,000 | $564,000 |
| Not Provided | 21 | $2,075,000 | $98,000 | $295,000 | $89,000 | $502,000 |
| Not applicable | 14 | $1,870,000 | $133,000 | $265,000 | $37,000 | $42,000 |
| American Indian or Alaskan Native | 5 | $515,000 | $103,000 | $275,000 | $53,000 | $84,000 |
| Black or African American | 2 | $200,000 | $100,000 | $125,000 | $48,000 | $56,000 |
| Hispanic | 1 | $105,000 | $105,000 | $105,000 | $66,000 | $66,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 134 | $18,160,000 | $135,000 | $505,000 | $94,000 | $564,000 |
| FHA-insured (Federal Housing Administration) | 22 | $3,200,000 | $145,000 | $295,000 | $72,000 | $138,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,415,000 | $219,000 | $415,000 | $89,000 | $173,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $280,000 | $140,000 | $205,000 | $53,000 | $66,000 |
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 | 122 | $18,710,000 | $153,000 | $505,000 | $100,000 | $564,000 |
| Application Denied By Financial Institution | 14 | $900,000 | $64,000 | $145,000 | $60,000 | $200,000 |
| Application Withdrawn By Applicant | 12 | $1,470,000 | $122,000 | $485,000 | $59,000 | $82,000 |
| Loan Purchased By The Institution | 10 | $1,690,000 | $169,000 | $265,000 | $37,000 | $42,000 |
| Application Approved But Not Accepted | 6 | $250,000 | $41,000 | $175,000 | $73,000 | $102,000 |
| File Closed For Incompleteness | 4 | $840,000 | $210,000 | $375,000 | $72,000 | $90,000 |
| Preapproval Approved but not Accepted | 1 | $195,000 | $195,000 | $195,000 | $42,000 | $42,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 85 | $12,125,000 | $142,000 | $505,000 | $103,000 | $564,000 |
| Not applicable | 73 | $11,185,000 | $153,000 | $485,000 | $79,000 | $225,000 |
| Credit History | 6 | $310,000 | $51,000 | $125,000 | $49,000 | $72,000 |
| Collateral | 3 | $225,000 | $75,000 | $145,000 | $54,000 | $80,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $61,000 | $61,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $200,000 | $200,000 |
| Unverifiable Information | 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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