Osborne County, KS Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 85 mortgage applications in Osborne County, KS totaling $4.5 million. The average application was for $53,000, and applicants reported an average income of $48,000. 31% of applications resulted in an originated loan and 27% were denied. The most active lender was Sunflower Bank, N.A., with 13 applications, followed by Beneficial and Chase Manhattan Mortgage Corp.
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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 | 85 |
| Total Mortgage Loan Application Amount | $4,536,000 |
| Average Mortgage Loan Application Amount | $53,000 |
| Highest Mortgage Loan Application Amount | $245,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $261,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 987,173,000 | 13 | $ 630,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 7 | $ 316,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 6 | $ 274,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 4 | $ 420,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 219,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 205,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 3 | $ 158,000 |
| Citifinancial Mortgage Company 1111 NORTHPOINT DRIVE COPPELL, TX 75019 |
* | $ 1,097,190,000,000 | 3 | $ 64,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 595,937,000 | 3 | $ 176,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 3 | $ 200,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 2 | $ 58,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 2 | $ 110,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 2 | $ 121,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 2 | $ 76,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 11,370,323,000 | 2 | $ 139,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 2 | $ 70,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 66,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 121,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 2 | $ 211,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 18,000 |
| Provident Bank 1900 E 9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 17,521,326,000 | 1 | $ 63,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 1 | $ 24,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 1 | $ 57,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 183,712,000,000 | 1 | $ 30,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 1 | $ 42,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 57,441,766,000 | 1 | $ 5,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 1 | $ 52,000 |
| National City Mortgage Corpora 1900 E9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,000,000,000 | 1 | $ 102,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Oakwood Acceptance Corporation 7800 MCCLOUD ROAD GREENSBORO, NC 27409 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 62,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 1 | $ 30,000 |
| BNC Mortgage 1901 MAIN ST IRVINE, CA 92614 |
* | $ 10,000,000 | 1 | $ 25,000 |
| First Franklin Financial Corp. 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 592,000,000 | 1 | $ 65,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 1 | $ 73,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,448,525,000 | 1 | $ 65,000 |
The tables below break down 2003 mortgage applications in Osborne 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 Osborne County, KS in 2003
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 (home purchase or home improvement, one-to-four family) | 52 | $2,985,000 | $57,000 | $245,000 | $52,000 | $261,000 |
| Home Purchase (one-to-four family) | 22 | $1,330,000 | $60,000 | $180,000 | $36,000 | $80,000 |
| Home Improvement (one-to-four family) | 11 | $221,000 | $20,000 | $63,000 | $51,000 | $102,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 51 | $2,766,000 | $54,000 | $245,000 | $56,000 | $261,000 |
| Information not provided by applicant in mail or telephone application | 27 | $1,391,000 | $51,000 | $180,000 | $36,000 | $85,000 |
| Not applicable | 6 | $309,000 | $51,000 | $65,000 | $0 | $0 |
| Other | 1 | $70,000 | $70,000 | $70,000 | $54,000 | $54,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 78 | $4,187,000 | $53,000 | $245,000 | $50,000 | $261,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $188,000 | $47,000 | $57,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 2 | $121,000 | $60,000 | $75,000 | $21,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 1 | $40,000 | $40,000 | $40,000 | $0 | $0 |
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 | 26 | $1,132,000 | $43,000 | $102,000 | $54,000 | $225,000 |
| Application Denied By Financial Institution | 23 | $1,300,000 | $56,000 | $125,000 | $50,000 | $261,000 |
| Application Withdrawn By Applicant | 17 | $1,017,000 | $59,000 | $180,000 | $45,000 | $102,000 |
| Loan Purchased By The Institution | 11 | $626,000 | $56,000 | $75,000 | $26,000 | $69,000 |
| Application Approved But Not Accepted | 7 | $432,000 | $61,000 | $245,000 | $51,000 | $75,000 |
| File Closed For Incompleteness | 1 | $29,000 | $29,000 | $29,000 | $39,000 | $39,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 5 | $195,000 | $39,000 | $52,000 | $70,000 | $261,000 |
| Collateral | 4 | $236,000 | $59,000 | $125,000 | $45,000 | $67,000 |
| Other | 3 | $210,000 | $70,000 | $100,000 | $51,000 | $80,000 |
| Credit Application Incomplete | 2 | $170,000 | $85,000 | $90,000 | $50,000 | $50,000 |
| Debt-To-Income Ratio | 2 | $79,000 | $39,000 | $65,000 | $40,000 | $53,000 |
| 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 |
| 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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