Norton County, KS Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 39 mortgage applications in Norton County, KS totaling $4.2 million, up 15% from 2017. The average application was for $107,000, and applicants reported an average income of $65,000. 56% of applications resulted in an originated loan and 31% were denied. The most active lender was Mid America Bank, with 4 applications, followed by Wells Fargo Bank NA and Sunflower Bank, N.A..
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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 | 39 |
| Total Mortgage Loan Application Amount | $4,195,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $192,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Mid America Bank 802 AMES STREET BALDWIN CITY, KS 66006 |
* | $ 163,531,000 | 4 | $ 640,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 2 | $ 340,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 3,678,712,000 | 2 | $ 150,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 2 | $ 140,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 190,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 700,293,000 | 2 | $ 130,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 115,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 215,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 65,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 95,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 20,351,074,000 | 1 | $ 185,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 45,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 95,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 365,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 85,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 115,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 125,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 605,841,000 | 1 | $ 105,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 105,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 15,000 |
The tables below break down 2018 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 2018
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 | 24 | $2,360,000 | $98,000 | $225,000 | $59,000 | $126,000 |
| Cash-out Refinancing | 7 | $745,000 | $106,000 | $205,000 | $68,000 | $192,000 |
| Refinancing | 6 | $950,000 | $158,000 | $365,000 | $93,000 | $153,000 |
| Other Purpose | 1 | $15,000 | $15,000 | $15,000 | $45,000 | $45,000 |
| Home Improvement | 1 | $125,000 | $125,000 | $125,000 | $74,000 | $74,000 |
| 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 | 34 | $3,680,000 | $108,000 | $365,000 | $67,000 | $192,000 |
| Not Provided | 4 | $420,000 | $105,000 | $125,000 | $54,000 | $74,000 |
| Not applicable | 1 | $95,000 | $95,000 | $95,000 | $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 |
| 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) | 23 | $2,815,000 | $122,000 | $365,000 | $77,000 | $192,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $610,000 | $76,000 | $105,000 | $41,000 | $63,000 |
| FHA-insured (Federal Housing Administration) | 6 | $640,000 | $106,000 | $215,000 | $50,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 2 | $130,000 | $65,000 | $65,000 | $57,000 | $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 | 22 | $2,740,000 | $124,000 | $365,000 | $77,000 | $192,000 |
| Application Denied By Financial Institution | 12 | $930,000 | $77,000 | $125,000 | $50,000 | $85,000 |
| Application Withdrawn By Applicant | 2 | $280,000 | $140,000 | $215,000 | $38,000 | $47,000 |
| File Closed For Incompleteness | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $75,000 | $75,000 | $75,000 | $49,000 | $49,000 |
| Loan Purchased By The Institution | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 25 | $3,135,000 | $125,000 | $365,000 | $76,000 | $192,000 |
| Collateral | 4 | $400,000 | $100,000 | $125,000 | $41,000 | $73,000 |
| Credit Application Incomplete | 3 | $195,000 | $65,000 | $75,000 | $53,000 | $76,000 |
| Debt-To-Income Ratio | 3 | $255,000 | $85,000 | $125,000 | $53,000 | $74,000 |
| Other | 2 | $100,000 | $50,000 | $85,000 | $47,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $24,000 | $24,000 |
| Credit History | 1 | $65,000 | $65,000 | $65,000 | $85,000 | $85,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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