Ness County, KS Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 57 mortgage applications in Ness County, KS totaling $3.7 million, down 23% from 2005. The average application was for $64,000, and applicants reported an average income of $58,000. 42% of applications resulted in an originated loan and 32% were denied. The most active lender was Farmers Bank and Trust NA, with 8 applications, followed by Wells Fargo Bank, NA and Beneficial Company 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 | 57 |
| Total Mortgage Loan Application Amount | $3,675,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $220,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $187,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 497,326,000 | 8 | $ 268,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 5 | $ 376,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 4 | $ 231,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 55,157,645,000 | 3 | $ 243,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,082,250,290,000 | 3 | $ 285,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 19,653,232,000 | 2 | $ 113,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 132,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,302,568,000 | 2 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,013,985,000,000 | 2 | $ 96,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 60,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 84,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 130,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 220,000 |
| Prime Financial Credit Union 5656 S PACKARD AVE CUDAHY, WI 53110 |
* | $ 159,822,000 | 1 | $ 81,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 40,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 36,499,554,000 | 1 | $ 31,000 |
| Snb Bank of Wichita 8415 E 21ST STREET N., SUITE 150 WICHITA, KS 67206 |
* | $ 50,020,000 | 1 | $ 209,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 84,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 6,576,998,000 | 1 | $ 56,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 466,189,000 | 1 | $ 32,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 75,051,579,000 | 1 | $ 52,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 5,455,865,000 | 1 | $ 82,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000 | 1 | $ 42,000 |
| Wells Fargo Fin'l Kansas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 31,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 16,981,282,000 | 1 | $ 100,000 |
| Nexstar Financial Corporation 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 11,800,000,000 | 1 | $ 82,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,218,381,000 | 1 | $ 8,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 11,315,543,000 | 1 | $ 51,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 288,905,000 | 1 | $ 45,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 71,060,868,000 | 1 | $ 40,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000,000 | 1 | $ 75,000 |
The tables below break down 2006 mortgage applications in Ness 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 Ness County, KS in 2006
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 | 25 | $1,793,000 | $71,000 | $220,000 | $61,000 | $126,000 |
| Home Purchase | 24 | $1,597,000 | $66,000 | $209,000 | $59,000 | $187,000 |
| Home Improvement | 8 | $285,000 | $35,000 | $84,000 | $48,000 | $135,000 |
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 | 41 | $2,478,000 | $60,000 | $220,000 | $59,000 | $180,000 |
| Not Provided | 11 | $728,000 | $66,000 | $205,000 | $75,000 | $187,000 |
| Not applicable | 3 | $176,000 | $58,000 | $82,000 | $13,000 | $40,000 |
| Hispanic | 2 | $293,000 | $146,000 | $209,000 | $16,000 | $32,000 |
| 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) | 56 | $3,631,000 | $64,000 | $220,000 | $59,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $44,000 | $44,000 | $44,000 | $43,000 | $43,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 24 | $1,187,000 | $49,000 | $112,000 | $56,000 | $123,000 |
| Application Denied By Financial Institution | 18 | $1,362,000 | $75,000 | $209,000 | $62,000 | $187,000 |
| Application Approved But Not Accepted | 8 | $416,000 | $52,000 | $105,000 | $46,000 | $119,000 |
| Application Withdrawn By Applicant | 3 | $314,000 | $104,000 | $139,000 | $115,000 | $135,000 |
| Loan Purchased By The Institution | 3 | $176,000 | $58,000 | $82,000 | $13,000 | $40,000 |
| File Closed For Incompleteness | 1 | $220,000 | $220,000 | $220,000 | $125,000 | $125,000 |
| 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 | $300,000 | $50,000 | $71,000 | $74,000 | $180,000 |
| Debt-To-Income Ratio | 1 | $205,000 | $205,000 | $205,000 | $187,000 | $187,000 |
| Collateral | 1 | $40,000 | $40,000 | $40,000 | $32,000 | $32,000 |
| Credit Application Incomplete | 1 | $84,000 | $84,000 | $84,000 | $32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $209,000 | $209,000 | $209,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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