Osage County, KS Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 727 mortgage applications in Osage County, KS totaling $73.4 million, down 2% from 2010. The average application was for $100,000, and applicants reported an average income of $55,000. 48% of applications resulted in an originated loan and 23% were denied. The most active lender was The Lyndon State Bank, with 62 applications, followed by Wells Fargo Bank NA and Bank of America NA.

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Total Number of Mortgage Applications 727
Total Mortgage Loan Application Amount $73,394,000
Average Mortgage Loan Application Amount $100,000
Highest Mortgage Loan Application Amount $806,000
Average Applicant Income $55,000
Highest Applicant Income $281,000

Mortgage Company List for Lending in Osage County, KS for 2011

* 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
The Lyndon State Bank
817 TOPEKA AVE
LYNDON, KS 66451
* $ 84,655,000 62 $ 3,983,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 61 $ 6,611,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 52 $ 5,249,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 52 $ 4,985,000
Envista Federal Credit Union
3626 SW WANAMAKER RD
TOPEKA, KS 66614
* $ 201,076,000 35 $ 2,630,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,813,409,000 29 $ 3,348,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 27 $ 2,907,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 23 $ 2,104,000
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ 559,650,000 23 $ 2,447,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 18 $ 2,261,000
Educational Credit Union
2808 SW ARROWHEAD RD
TOPEKA, KS 66614
* $ 135,325,000 18 $ 911,000
Corefirst Bank & Trust
3035 S TOPEKA BLVD
TOPEKA, KS 66611
* $ 1,193,040,000 15 $ 1,498,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 15 $ 2,136,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 13 $ 1,362,000
The Citizens State Bank
410 E MAIN ST, PO BOX 102
GRIDLEY, KS 66852
* $ 122,003,000 12 $ 569,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 10 $ 1,313,000
Flint Hills Bank
103 1/2 N MAIN
ESKRIDGE, KS 66423
* $ 89,871,000 9 $ 444,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 3,409,826,000 9 $ 887,000
Kansas State Bank
BOX 325
OVERBROOK, KS 66524
* $ 46,698,000 8 $ 324,000
First National Bank of Kansas
600 N 4TH STREET
BURLINGTON, KS 66839
* $ 68,230,000 8 $ 1,080,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 7 $ 717,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 7 $ 832,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 7 $ 816,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 7 $ 498,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 7 $ 1,336,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 6 $ 933,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 59,517,025,000 6 $ 580,000
BNC National Bank

BISMARCK, ND 58501
* $ 745,184,000 6 $ 918,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 6 $ 891,000
Azura Credit Union
610 SW 10TH AVENUE
TOPEKA, KS 66612
* $ 232,488,000 6 $ 544,000
Garnett State Saving Bank - Ga
106 E 5TH
GARNETT, KS 66032
* $ 107,656,000 5 $ 97,000
Kaw Valley Bank
1110 N KANSAS AVENUE, PO BOX 8009
TOPEKA, KS 66608
* $ 492,764,000 5 $ 372,000
Firstrust Mortgage, Inc
6710 W. 121ST STREET
OVERLAND PARK, KS 66209
* $ 6,198,000 5 $ 821,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 565,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 5 $ 343,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 4 $ 468,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 4 $ 873,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 4 $ 513,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 399,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 3 $ 355,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 373,638,000 3 $ 173,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 3 $ 522,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 3 $ 452,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 837,325,000 3 $ 276,000
The Kansas State Bank
236 N MAIN
OTTAWA, KS 66067
* $ 104,584,000 3 $ 439,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,001,416,000 3 $ 127,000
Denison State Bank
421 NEW YORK AVENUE
HOLTON, KS 66436
* $ 266,385,000 3 $ 394,000
Mid America Bank
802 AMES STREET
BALDWIN CITY, KS 66006
* $ 57,824,000 3 $ 150,000
Visionbank
3031 SW WANAMAKER RD
TOPEKA, KS 66614
* $ 83,326,000 3 $ 552,000
Fidelity State Bank and Trust Company
P, O. BOX 1737
TOPEKA, KS 66601
* $ 96,663,000 3 $ 204,000
Credit Union Mortgage Services
1080 SW WANAMAKER ROAD
TOPEKA, KS 66604
* $ 75,000,000 3 $ 278,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 3 $ 254,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 2 $ 465,000
Quantum Credit Union
6300 W 21ST ST N
WICHITA, KS 67205
* $ 62,393,000 2 $ 155,000
Citizens Bank of Kansas, N.A.
300 N MAIN
KINGMAN, KS 67068
* $ 216,166,000 2 $ 139,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 219,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 94,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 242,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 139,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 287,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 220,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 2 $ 240,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 2 $ 288,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 2 $ 222,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 2 $ 270,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 2 $ 214,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 1 $ 168,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 10,684,654,000 1 $ 190,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 1 $ 65,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 1 $ 72,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 1 $ 110,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 1 $ 109,000
Gnb Mortgage Company Inc
112 E 8TH STREET, PO BOX 149
HORTON, KS 66439
* $ 278,812,000 1 $ 116,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,311,970,000 1 $ 140,000
Nbh Bank, N.A.
1111 MAIN, SUITE 2700
KANSAS CITY, MO 64105
* $ 3,374,340,000 1 $ 10,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 1 $ 150,000
Bank of Blue Valley
6740 ANTIOCH
MERRIAM, KS 66204
* $ 598,671,000 1 $ 38,000
First Bank of Newton
128 E BROADWAY
NEWTON, KS 67114
* $ 141,444,000 1 $ 169,000
Emprise Bank
257 N BROADWAY
WICHITA, KS 67202
* $ 1,442,236,000 1 $ 30,000
Lead Bank
200 N 3RD ST
GARDEN CITY, MO 64747
* $ 84,860,000 1 $ 137,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 81,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 42,000
Intrust Bank, NA
105 N MAIN ST
WICHITA, KS 67202
* $ 3,705,025,000 1 $ 28,000
Catalyst Lending, Inc.
6530 S YOSEMITE STREET, SUITE 310
GREENWOOD VILLAGE, CO 80111
* $ 410,214,000 1 $ 122,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 112,000
Mason McDuffie Mortgage Corp
2010 CROW CANYON PLACE, SUITE 400
SAN RAMON, CA 94583
* $ 1,300,000 1 $ 187,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 148,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 131,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 133,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 1 $ 140,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 24,055,290,000 1 $ 46,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 149,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 67,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 108,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 85,000
Simmons First National Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 1,938,992,000 1 $ 187,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 121,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 94,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 97,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 733,124,000 1 $ 188,000
Silver Lake Bank
201 NW US HWY 24 P O BOX 8330
TOPEKA, KS 66608
* $ 215,825,000 1 $ 40,000
Esb Financial
801 MERCHANT
EMPORIA, KS 66801
* $ 154,230,000 1 $ 135,000
Capital City Bank
3710 SW TOPEKA BLVD
TOPEKA, KS 66609
* $ 389,109,000 1 $ 188,000
First State Bank & Trust
PO BOX 219
TONGANOXIE, KS 66086
* $ 287,512,000 1 $ 94,000

The tables below break down 2011 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 2011

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 458 $49,400,000 $107,000 $806,000 $58,000 $251,000
Home Purchase 239 $22,811,000 $95,000 $375,000 $50,000 $281,000
Home Improvement 30 $1,183,000 $39,000 $208,000 $53,000 $149,000

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 589 $56,485,000 $95,000 $527,000 $57,000 $281,000
Not Provided 68 $8,305,000 $122,000 $324,000 $77,000 $217,000
Not applicable 52 $6,765,000 $130,000 $806,000 $6,000 $105,000
Hispanic 12 $1,209,000 $100,000 $201,000 $65,000 $122,000
Native Hawaiian or Other Pacific Islander 2 $226,000 $113,000 $113,000 $42,000 $42,000
American Indian or Alaskan Native 2 $210,000 $105,000 $125,000 $67,000 $92,000
Asian 1 $125,000 $125,000 $125,000 $96,000 $96,000
Black or African American 1 $69,000 $69,000 $69,000 $39,000 $39,000

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) 486 $46,655,000 $95,000 $806,000 $60,000 $281,000
FHA-insured (Federal Housing Administration) 162 $17,722,000 $109,000 $274,000 $48,000 $216,000
VA-guaranteed (Veterans Administration) 42 $5,220,000 $124,000 $280,000 $46,000 $135,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 37 $3,797,000 $102,000 $183,000 $34,000 $68,000

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 352 $32,927,000 $93,000 $806,000 $64,000 $281,000
Application Denied By Financial Institution 165 $17,225,000 $104,000 $527,000 $49,000 $168,000
Loan Purchased By The Institution 91 $10,782,000 $118,000 $280,000 $28,000 $168,000
Application Withdrawn By Applicant 69 $7,557,000 $109,000 $272,000 $58,000 $216,000
Application Approved But Not Accepted 31 $2,774,000 $89,000 $227,000 $54,000 $126,000
File Closed For Incompleteness 19 $2,129,000 $112,000 $215,000 $61,000 $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 31 $3,439,000 $110,000 $274,000 $61,000 $135,000
Credit History 31 $2,364,000 $76,000 $181,000 $47,000 $128,000
Debt-To-Income Ratio 22 $2,854,000 $129,000 $527,000 $45,000 $168,000
Other 7 $904,000 $129,000 $301,000 $28,000 $107,000
Credit Application Incomplete 6 $728,000 $121,000 $154,000 $61,000 $101,000
Insufficient Cash (Downpayment, Closing Cost) 5 $438,000 $87,000 $100,000 $43,000 $70,000
Unverifiable Information 2 $103,000 $51,000 $81,000 $29,000 $42,000
Mortgage Insurance Denied 1 $116,000 $116,000 $116,000 $63,000 $63,000
Employment History 1 $260,000 $260,000 $260,000 $72,000 $72,000

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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