Norton County, KS Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 61 mortgage applications in Norton County, KS totaling $5.2 million, down 6% from 2009. The average application was for $84,000, and applicants reported an average income of $68,000. 41% of applications resulted in an originated loan and 31% were denied. The most active lender was Wells Fargo Bank, NA, with 9 applications, followed by Embrace Home Loans, Inc. and Mid America 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 | 61 |
| Total Mortgage Loan Application Amount | $5,157,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $280,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $468,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 9 | $ 670,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 556,000 |
| Mid America Bank 802 AMES STREET BALDWIN CITY, KS 66006 |
* | $ 59,073,000 | 7 | $ 805,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 5 | $ 466,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 5 | $ 461,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 4 | $ 232,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 2 | $ 140,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 368,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 333,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 78,000 |
| Capwest Mortgage Corporation 14231 METCALF AVE. STE. 200 OVERLAND PARK, KS 66223 |
* | $ 629,176,000 | 1 | $ 88,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 24,000 |
| Cgb Agri Financial Services 2209 RIVER ROAD LOUISVILLE, KY 40206 |
* | $ 433,538,000 | 1 | $ 80,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 63,000 |
| UMB Nba 1008 OAK ST KANSAS CITY, MO 64106 |
* | $ 862,885,000 | 1 | $ 100,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 66,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,127,943,000 | 1 | $ 90,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 7,000 |
| Mwabank 1701 1ST AVENUE ROCK ISLAND, IL 61201 |
* | $ 221,832,000 | 1 | $ 50,000 |
| Commerce Bank, N.A. 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 17,958,713,000 | 1 | $ 30,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 5,332,471,000 | 1 | $ 95,000 |
The tables below break down 2010 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 2010
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 | 45 | $3,828,000 | $85,000 | $280,000 | $72,000 | $468,000 |
| Home Purchase | 16 | $1,329,000 | $83,000 | $168,000 | $57,000 | $174,000 |
| 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 | 49 | $4,278,000 | $87,000 | $280,000 | $72,000 | $468,000 |
| Not Provided | 7 | $521,000 | $74,000 | $115,000 | $55,000 | $102,000 |
| Hispanic | 3 | $264,000 | $88,000 | $108,000 | $69,000 | $88,000 |
| Black or African American | 1 | $24,000 | $24,000 | $24,000 | $24,000 | $24,000 |
| Not applicable | 1 | $70,000 | $70,000 | $70,000 | $0 | $0 |
| 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 |
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) | 32 | $2,914,000 | $91,000 | $280,000 | $90,000 | $468,000 |
| FHA-insured (Federal Housing Administration) | 20 | $1,410,000 | $70,000 | $146,000 | $50,000 | $174,000 |
| VA-guaranteed (Veterans Administration) | 6 | $526,000 | $87,000 | $110,000 | $23,000 | $66,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $307,000 | $102,000 | $168,000 | $54,000 | $83,000 |
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 | 25 | $2,418,000 | $96,000 | $201,000 | $79,000 | $229,000 |
| Application Denied By Financial Institution | 19 | $1,362,000 | $71,000 | $280,000 | $63,000 | $468,000 |
| Application Withdrawn By Applicant | 9 | $780,000 | $86,000 | $225,000 | $70,000 | $275,000 |
| Loan Purchased By The Institution | 4 | $312,000 | $78,000 | $88,000 | $53,000 | $102,000 |
| Application Approved But Not Accepted | 3 | $195,000 | $65,000 | $108,000 | $14,000 | $24,000 |
| File Closed For Incompleteness | 1 | $90,000 | $90,000 | $90,000 | $116,000 | $116,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 5 | $506,000 | $101,000 | $280,000 | $127,000 | $468,000 |
| Other | 2 | $128,000 | $64,000 | $70,000 | $71,000 | $94,000 |
| Debt-To-Income Ratio | 2 | $143,000 | $71,000 | $80,000 | $22,000 | $44,000 |
| Employment History | 1 | $56,000 | $56,000 | $56,000 | $28,000 | $28,000 |
| Credit Application Incomplete | 1 | $66,000 | $66,000 | $66,000 | $92,000 | $92,000 |
| Credit History | 1 | $7,000 | $7,000 | $7,000 | $89,000 | $89,000 |
| Unverifiable Information | 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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