Norton County, KS Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 56 mortgage applications in Norton County, KS totaling $6.2 million, down 40% from 2021. The average application was for $110,000, and applicants reported an average income of $68,000. 41% of applications resulted in an originated loan and 30% were denied. The most active lender was Equity Bank, with 9 applications, followed by Mortgage Investment Services Corporation 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 | 56 |
| Total Mortgage Loan Application Amount | $6,160,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $200,000 |
| 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 |
* | $ 5,141,072,000 | 9 | $ 1,275,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 5 | $ 645,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 831,399,000 | 3 | $ 315,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 2 | $ 110,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 250,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 170,000 |
| Mid America Bank 802 AMES STREET BALDWIN CITY, KS 66006 |
* | $ 306,026,000 | 2 | $ 270,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 130,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 190,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 135,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 75,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 339,245,000 | 1 | $ 15,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 25,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 305,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 1,284,662,000 | 1 | $ 55,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 55,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 1 | $ 125,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 125,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 1 | $ 305,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 285,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 36,515,611,000 | 1 | $ 15,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 105,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 1 | $ 25,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 115,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2022 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 2022
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 | 23 | $2,745,000 | $119,000 | $285,000 | $49,000 | $71,000 |
| Cash-out Refinancing | 13 | $1,515,000 | $116,000 | $305,000 | $67,000 | $200,000 |
| Refinancing | 10 | $1,480,000 | $148,000 | $485,000 | $84,000 | $180,000 |
| Home Improvement | 8 | $340,000 | $42,000 | $145,000 | $104,000 | $161,000 |
| Other Purpose | 2 | $80,000 | $40,000 | $55,000 | $58,000 | $95,000 |
| 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 | 46 | $5,110,000 | $111,000 | $485,000 | $70,000 | $200,000 |
| Not Provided | 5 | $395,000 | $79,000 | $125,000 | $46,000 | $77,000 |
| Not applicable | 3 | $485,000 | $161,000 | $305,000 | $0 | $0 |
| Black or African American | 2 | $170,000 | $85,000 | $115,000 | $72,000 | $95,000 |
| Hispanic | 0 | $0 | $0 | $0 | $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) | 36 | $4,360,000 | $121,000 | $485,000 | $81,000 | $200,000 |
| FHA-insured (Federal Housing Administration) | 11 | $875,000 | $79,000 | $135,000 | $44,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 6 | $680,000 | $113,000 | $165,000 | $52,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $245,000 | $81,000 | $85,000 | $47,000 | $70,000 |
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 | 23 | $2,835,000 | $123,000 | $485,000 | $79,000 | $200,000 |
| Application Denied By Financial Institution | 17 | $1,185,000 | $69,000 | $255,000 | $53,000 | $137,000 |
| Application Withdrawn By Applicant | 5 | $605,000 | $121,000 | $285,000 | $70,000 | $100,000 |
| Application Approved But Not Accepted | 5 | $695,000 | $139,000 | $275,000 | $88,000 | $180,000 |
| Loan Purchased By The Institution | 3 | $485,000 | $161,000 | $305,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $190,000 | $95,000 | $125,000 | $35,000 | $41,000 |
| Preapproval Approved but not Accepted | 1 | $165,000 | $165,000 | $165,000 | $39,000 | $39,000 |
| 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 | 39 | $4,975,000 | $127,000 | $485,000 | $75,000 | $200,000 |
| Debt-To-Income Ratio | 6 | $550,000 | $91,000 | $255,000 | $58,000 | $95,000 |
| Collateral | 4 | $270,000 | $67,000 | $85,000 | $37,000 | $70,000 |
| Credit History | 4 | $100,000 | $25,000 | $25,000 | $70,000 | $137,000 |
| Other | 2 | $150,000 | $75,000 | $85,000 | $38,000 | $42,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $50,000 | $50,000 |
| 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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