Osage County, KS Mortgage Lenders & HMDA Data, 2010

In 2010, lenders reported 742 mortgage applications in Osage County, KS totaling $76.0 million, down 24% from 2009. The average application was for $102,000, and applicants reported an average income of $58,000. 50% of applications resulted in an originated loan and 21% were denied. The most active lender was Bank of America, N.A., with 93 applications, followed by The Lyndon State Bank and Wells Fargo Bank, NA.

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Total Number of Mortgage Applications 742
Total Mortgage Loan Application Amount $75,956,000
Average Mortgage Loan Application Amount $102,000
Highest Mortgage Loan Application Amount $414,000
Average Applicant Income $58,000
Highest Applicant Income $1,477,000

Mortgage Company List for Lending in Osage County, KS for 2010

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,465,221,449,000 93 $ 10,030,000
The Lyndon State Bank
817 TOPEKA AVE
LYNDON, KS 66451
* $ 88,782,000 66 $ 5,987,000
Wells Fargo Bank, NA
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,778,000,000 52 $ 5,071,000
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ 582,323,000 37 $ 3,482,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 32 $ 3,122,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 276,376,130,000 31 $ 3,604,000
Envista Federal Credit Union
3626 SW WANAMAKER RD
TOPEKA, KS 66614
* $ 211,302,000 24 $ 2,465,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 21 $ 2,948,000
The Citizens State Bank
410 E MAIN ST, PO BOX 102
GRIDLEY, KS 66852
* $ 86,922,000 21 $ 854,000
Capitol Federal Savings
700 S. KANSAS AVE
TOPEKA, KS 66601
* $ 8,392,268,000 18 $ 1,695,000
Corefirst Bank & Trust
3035 S TOPEKA BLVD
TOPEKA, KS 66611
* $ 1,273,822,000 14 $ 1,383,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,627,684,000,000 13 $ 1,494,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 12 $ 1,129,000
Flint Hills Bank
103 1/2 N MAIN
ESKRIDGE, KS 66423
* $ 84,789,000 12 $ 885,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 11 $ 1,433,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 11 $ 1,256,000
BNC National Bank

BISMARCK, ND 58501
* $ 866,920,000 10 $ 1,062,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 833,054,000 10 $ 847,000
Capital City Bank
3710 SW TOPEKA BLVD
TOPEKA, KS 66609
* $ 418,034,000 9 $ 1,469,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 8 $ 1,014,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 7 $ 564,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 7 $ 604,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 37,922,355,000 6 $ 659,000
Educational Credit Union
2808 SW ARROWHEAD RD
TOPEKA, KS 66614
* $ 129,413,000 6 $ 323,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 6 $ 876,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 55,302,902,000 6 $ 876,000
Fidelity State Bank and Trust Company
P, O. BOX 1737
TOPEKA, KS 66601
* $ 105,420,000 6 $ 288,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 14,106,965,000 6 $ 742,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 5,122,657,000 5 $ 608,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 159,675,538,000 5 $ 682,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 658,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 5 $ 257,000
Azura Credit Union
610 SW 10TH AVENUE
TOPEKA, KS 66612
* $ 96,966,000 5 $ 372,000
Credit Union Mortgage Services
1080 SW WANAMAKER ROAD
TOPEKA, KS 66604
* $ 75,000,000 4 $ 595,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 4 $ 388,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 4 $ 543,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 384,000
Kaw Valley Bank
1110 N KANSAS AVENUE, PO BOX 8009
TOPEKA, KS 66608
* $ 451,878,000 4 $ 196,000
Denison State Bank
421 NEW YORK AVENUE
HOLTON, KS 66436
* $ 243,090,000 4 $ 469,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 17,832,340,000 4 $ 435,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 343,272,000 4 $ 402,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 1,987,814,000 4 $ 419,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 164,340,844,000 3 $ 260,000
Bank of Kansas City
P.O. BOX 2300
TULSA, OK 74192
* $ 140,357,000 3 $ 199,000
First Federal Bank, FSB
6900 N. EXECUTIVE DR.
KANSAS CITY, MO 64120
* $ 386,869,000 3 $ 242,000
Pulaski Bank
12300 OLIVE BLVD
ST LOUIS, MO 63141
* $ 1,432,510,000 3 $ 510,000
Bank of the West
1977 SATURN STREET MS SC-MPK-03-N
MONTEREY PARK, CA 91755
* $ 60,000,590,000 3 $ 385,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 3 $ 425,000
Qr Lending Inc
555 ZOR SHRINE PLACE
MADISON, WI 53719
* $ 1,093,327,000 3 $ 314,000
Firstrust Mortgage, Inc
6710 W. 121ST STREET
OVERLAND PARK, KS 66209
* $ 6,198,000 3 $ 380,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,483,100,000 3 $ 404,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 3 $ 628,000
Alliance Bank
3001 SW WANAMAKER RD
TOPEKA, KS 66614
* $ 79,216,000 3 $ 680,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 2 $ 293,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 2 $ 193,000
Quantum Credit Union
6300 W 21ST ST N
WICHITA, KS 67205
* $ 62,244,000 2 $ 221,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ 1,773,294,000 2 $ 53,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 209,000
Admirals Bank Former Domestic
815 RESERVOIR AVE
CRANSTON, RI 02910
* $ 234,124,000 2 $ 24,000
The Kansas State Bank
236 N MAIN
OTTAWA, KS 66067
* $ 119,474,000 2 $ 38,000
Baldwin State Bank
PO BOX 46
BALDWIN CITY, KS 66006
* $ 62,658,000 2 $ 65,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 2 $ 114,000
Heritage Bank
3024 SW WANAMAKER RD
TOPEKA, KS 66614
* $ 48,748,000 2 $ 402,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 499,993,000 2 $ 231,000
Garnett State Saving Bank - Ga
106 E 5TH
GARNETT, KS 66032
* $ 107,297,000 2 $ 113,000
The Farmers State Bank
209 MONTANA AVENUE, PO BOX 465
HOLTON, KS 66436
* $ 52,584,000 2 $ 127,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 708,191,000 2 $ 250,000
UMB Bank, NA
1008 OAK ST.
KANSAS CITY, MO 64106
* $ 10,219,530,000 2 $ 239,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 16,157,711,000 2 $ 221,000
Arvest Bank Group
4500 SOUTH GARNETT SUIT 440
TULSA, OK 74146
* $ 11,319,023,000 2 $ 13,000
St. Marys State Bank, the
905 E BERTRAND AVE
ST. MARYS, KS 66536
* $ 77,464,000 2 $ 108,000
Kaw Valley State Bank & Trust
1015 KAW VALLEY PARK CIRCLE
WAMEGO, KS 66547
* $ 130,354,000 1 $ 50,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 11,319,023,000 1 $ 69,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 112,736,105,000 1 $ 59,000
Union State Bank of Everest
PO BOX 105
EVEREST, KS 66424
* $ 157,753,000 1 $ 60,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 1,809,955,000 1 $ 197,000
Capwest Mortgage Corporation
14231 METCALF AVE. STE. 200
OVERLAND PARK, KS 66223
* $ 629,176,000 1 $ 100,000
Gnb Mortgage Company Inc
112 E 8TH STREET, PO BOX 149
HORTON, KS 66439
* $ 278,812,000 1 $ 80,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 260,309,849,000 1 $ 162,000
Citizens Bank of Kansas, N.A.
300 N MAIN
KINGMAN, KS 67068
* $ 207,378,000 1 $ 114,000
Nationwide Bank
ONE NATIONWIDE PLAZA, 2-14-05
COLUMBUS, OH 43215
* $ 3,206,002,000 1 $ 50,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 8,059,724,000 1 $ 100,000
Liberty Bank F.S.B.
6400 WESTOWN PARKWAY
WEST DES MOINES, IA 50266
* $ 1,079,890,000 1 $ 53,000
Onewest Bank, FSB
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 23,286,247,000 1 $ 190,000
Liberty Mortgage Corporation
223 W NASH STREET
WILSON, NC 27893
* $ 2,406,088,000 1 $ 189,000
Everhome Mortgage Company
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 3,027,261,000 1 $ 100,000
First Community Bank
301 SE MAIN STREET
LEES SUMMIT, MO 64063
* $ 599,643,000 1 $ 15,000
Patriots Bank
131 E 4TH AVE PO BOX 327
GARNETT, KS 66032
* $ 95,022,000 1 $ 187,000
Silver Lake Bank
201 NW US HWY 24 P O BOX 8330
TOPEKA, KS 66608
* $ 206,841,000 1 $ 145,000
New York Community Bank
1 JERICHO PLAZA
JERICHO, NY 11753
* $ 40,150,052,000 1 $ 70,000
Colonial Savings, F. A.
P. O. BOX 2988
FORT WORTH, TX 76113
* $ 964,882,000 1 $ 116,000
Visionbank
3031 SW WANAMAKER RD
TOPEKA, KS 66614
* $ 71,256,000 1 $ 93,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 157,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ 679,656,000 1 $ 155,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 39,610,194,000 1 $ 20,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 4,542,636,000 1 $ 82,000
Kansas State Bank
BOX 325
OVERBROOK, KS 66524
* $ 47,043,000 1 $ 25,000
Bank of Labor
756 MINNESOTA AVENUE
KANSAS CITY, KS 66101
* $ 555,848,000 1 $ 13,000
Commerce Bank, N.A.
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 17,958,713,000 1 $ 68,000
Bancorpsouth Bank
P O BOX 789
TUPELO, MS 38802
* $ 13,163,459,000 1 $ 163,000
Happy State Bank
701 S TAYLOR, LB 120
AMARILLO, TX 79101
* $ 1,320,666,000 1 $ 94,000
Citizens Bank and Trust Company
7553 NW BARRY ROAD
KANSAS CITY, MO 64153
* $ 1,087,507,000 1 $ 123,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 251,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 82,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 1 $ 23,000
Cherry Creek Mortgage Co., Inc
7600 EAST ORCHARD RD., STE 250-N
GREENWOOD VILLAGE, CO 80111
* $ 10,000,000 1 $ 165,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 112,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 208,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 181,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 100,000
Mortgage Solutions of Co, LLC
5455 N UNION BLVD # 105
COLORADO SPRINGS, CO 80918
* $ 10,000,000 1 $ 92,000
Plaza Home Mortgage, Inc
5090 SHOREHAM PLACE, SUITE #206
SAN DIEGO, CA 92122
* $ 10,000,000 1 $ 82,000
Primary Residential Mortgage
4750 W WILEY POST WAY SUITE 200
SALT LAKE CITY, UT 84116
* $ 10,000,000 1 $ 209,000

The tables below break down 2010 mortgage applications in Osage 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 Osage 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 479 $54,177,000 $113,000 $414,000 $60,000 $281,000
Home Purchase 217 $19,705,000 $90,000 $260,000 $52,000 $1,477,000
Home Improvement 46 $2,074,000 $45,000 $252,000 $65,000 $132,000

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 623 $63,014,000 $101,000 $414,000 $60,000 $1,477,000
Not Provided 70 $7,177,000 $102,000 $340,000 $68,000 $281,000
Not applicable 41 $5,115,000 $124,000 $304,000 $8,000 $140,000
Hispanic 6 $386,000 $64,000 $116,000 $37,000 $63,000
American Indian or Alaskan Native 2 $264,000 $132,000 $189,000 $47,000 $58,000
Asian 0 $0 $0 $0 $0 $0
Black or African American 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) 480 $46,355,000 $96,000 $414,000 $65,000 $1,477,000
FHA-insured (Federal Housing Administration) 197 $22,383,000 $113,000 $251,000 $48,000 $127,000
VA-guaranteed (Veterans Administration) 46 $5,483,000 $119,000 $250,000 $37,000 $99,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 19 $1,735,000 $91,000 $136,000 $36,000 $66,000

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 371 $36,436,000 $98,000 $414,000 $65,000 $1,477,000
Application Denied By Financial Institution 159 $15,855,000 $99,000 $312,000 $54,000 $154,000
Loan Purchased By The Institution 97 $11,525,000 $118,000 $251,000 $32,000 $119,000
Application Withdrawn By Applicant 67 $6,765,000 $100,000 $308,000 $58,000 $281,000
Application Approved But Not Accepted 37 $4,083,000 $110,000 $282,000 $69,000 $200,000
File Closed For Incompleteness 11 $1,292,000 $117,000 $244,000 $70,000 $120,000
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 36 $4,304,000 $119,000 $312,000 $69,000 $118,000
Credit History 28 $2,371,000 $84,000 $193,000 $48,000 $127,000
Debt-To-Income Ratio 20 $2,248,000 $112,000 $215,000 $47,000 $93,000
Credit Application Incomplete 11 $1,430,000 $130,000 $192,000 $66,000 $154,000
Other 9 $647,000 $71,000 $120,000 $52,000 $118,000
Insufficient Cash (Downpayment, Closing Cost) 3 $275,000 $91,000 $105,000 $46,000 $61,000
Unverifiable Information 2 $192,000 $96,000 $116,000 $107,000 $118,000
Employment History 2 $239,000 $119,000 $147,000 $52,000 $63,000
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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