Norton County, KS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 76 mortgage applications in Norton County, KS totaling $7.8 million, up 27% from 2024. The average application was for $102,000, and applicants reported an average income of $89,000. 51% of applications resulted in an originated loan and 22% were denied. The most active lender was Equity Bank, with 11 applications, followed by Mid America Bank and Golden Plains Credit Union.
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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 | 76 |
| Total Mortgage Loan Application Amount | $7,790,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $554,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ n/a | 11 | $ 525,000 |
| Mid America Bank 802 AMES STREET BALDWIN CITY, KS 66006 |
* | $ n/a | 5 | $ 865,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ n/a | 5 | $ 605,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ n/a | 4 | $ 320,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 330,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 185,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 2 | $ 80,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 270,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 250,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 70,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 730,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 140,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 2 | $ 200,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 55,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 35,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 55,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 55,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ n/a | 1 | $ 85,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 195,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 75,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ n/a | 1 | $ 25,000 |
| The Kansas State Bank 236 N MAIN OTTAWA, KS 66067 |
* | $ n/a | 1 | $ 195,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 125,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 155,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 135,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 55,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 95,000 |
| Citizens Bank of Kansas 300 N MAIN ST KINGMAN, KS 67068 |
* | $ n/a | 1 | $ 55,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 245,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ n/a | 1 | $ 135,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 205,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 55,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 1 | $ 155,000 |
The tables below break down 2025 mortgage applications in Norton 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 Norton County, KS in 2025
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 | 40 | $3,620,000 | $90,000 | $245,000 | $76,000 | $181,000 |
| Cash-out Refinancing | 14 | $1,500,000 | $107,000 | $195,000 | $66,000 | $152,000 |
| Refinancing | 10 | $2,050,000 | $205,000 | $705,000 | $168,000 | $554,000 |
| Home Improvement | 7 | $455,000 | $65,000 | $205,000 | $103,000 | $135,000 |
| Other Purpose | 5 | $165,000 | $33,000 | $55,000 | $91,000 | $140,000 |
| 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 | 65 | $6,665,000 | $102,000 | $705,000 | $91,000 | $554,000 |
| Not Provided | 6 | $690,000 | $115,000 | $195,000 | $75,000 | $124,000 |
| Not applicable | 4 | $350,000 | $87,000 | $155,000 | $0 | $0 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $59,000 | $59,000 |
| 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) | 47 | $4,165,000 | $88,000 | $375,000 | $111,000 | $554,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,145,000 | $102,000 | $195,000 | $55,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,325,000 | $265,000 | $705,000 | $59,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $155,000 | $51,000 | $55,000 | $41,000 | $52,000 |
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 | 39 | $4,735,000 | $121,000 | $705,000 | $115,000 | $554,000 |
| Application Denied By Financial Institution | 17 | $1,365,000 | $80,000 | $165,000 | $51,000 | $154,000 |
| Application Withdrawn By Applicant | 11 | $885,000 | $80,000 | $185,000 | $82,000 | $140,000 |
| File Closed For Incompleteness | 3 | $165,000 | $55,000 | $65,000 | $39,000 | $46,000 |
| Loan Purchased By The Institution | 3 | $345,000 | $115,000 | $155,000 | $36,000 | $36,000 |
| Application Approved But Not Accepted | 2 | $180,000 | $90,000 | $135,000 | $103,000 | $108,000 |
| Preapproval Approved but not Accepted | 1 | $115,000 | $115,000 | $115,000 | $91,000 | $91,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 54 | $5,990,000 | $110,000 | $705,000 | $99,000 | $554,000 |
| Collateral | 9 | $675,000 | $75,000 | $165,000 | $42,000 | $76,000 |
| Debt-To-Income Ratio | 9 | $845,000 | $93,000 | $195,000 | $100,000 | $181,000 |
| Other | 2 | $90,000 | $45,000 | $55,000 | $53,000 | $89,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $70,000 | $70,000 |
| Credit History | 1 | $105,000 | $105,000 | $105,000 | $70,000 | $70,000 |
| 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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