Osborne County, KS Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 96 mortgage applications in Osborne County, KS totaling $4.9 million, up 13% from 2003. The average application was for $51,000, and applicants reported an average income of $39,000. 36% of applications resulted in an originated loan and 29% were denied. The most active lender was Sunflower Bank, N.A., with 22 applications, followed by Beneficial and Ameriquest Mortgage Company.
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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 | 96 |
| Total Mortgage Loan Application Amount | $4,900,000 |
| Average Mortgage Loan Application Amount | $51,000 |
| Highest Mortgage Loan Application Amount | $226,000 |
| Average Applicant Income | $39,000 |
| Highest Applicant Income | $134,000 |
| 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 |
* | $ 985,161,000 | 22 | $ 952,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 16 | $ 814,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 6 | $ 422,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 225,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 4 | $ 178,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 4 | $ 321,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 4 | $ 206,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 4 | $ 221,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 3 | $ 75,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 3 | $ 153,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 3 | $ 159,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 2 | $ 30,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 172,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 2 | $ 154,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 23,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 301,779,000 | 1 | $ 33,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 45,000 |
| Summit Mortgage 510 INDEPENDENCE PARKWAY, SUITE 200 CHESAPEAKE, VA 23320 |
* | $ 220,267,000 | 1 | $ 25,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 33,000 |
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 6,597,639,000 | 1 | $ 45,000 |
| UMB Nba 1008 OAK ST KANSAS CITY, MO 64106 |
* | $ 637,455,000 | 1 | $ 8,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Intervale Mortgage 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 203,824,000 | 1 | $ 55,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 1 | $ 25,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 1 | $ 126,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 75,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 602,249,000 | 1 | $ 27,000 |
The tables below break down 2004 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 2004
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 | 59 | $3,576,000 | $60,000 | $226,000 | $40,000 | $134,000 |
| Home Improvement | 19 | $457,000 | $24,000 | $123,000 | $36,000 | $65,000 |
| Home Purchase | 18 | $867,000 | $48,000 | $126,000 | $39,000 | $89,000 |
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 | 79 | $4,054,000 | $51,000 | $226,000 | $41,000 | $134,000 |
| Not Provided | 12 | $608,000 | $50,000 | $123,000 | $44,000 | $95,000 |
| Not applicable | 3 | $164,000 | $54,000 | $55,000 | $0 | $0 |
| Hispanic | 2 | $74,000 | $37,000 | $39,000 | $31,000 | $33,000 |
| 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 |
| Black or African American | 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) | 89 | $4,615,000 | $51,000 | $226,000 | $42,000 | $134,000 |
| FHA-insured (Federal Housing Administration) | 4 | $131,000 | $32,000 | $37,000 | $17,000 | $51,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $105,000 | $52,000 | $54,000 | $17,000 | $35,000 |
| VA-guaranteed (Veterans Administration) | 1 | $49,000 | $49,000 | $49,000 | $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 | 35 | $1,667,000 | $47,000 | $226,000 | $39,000 | $134,000 |
| Application Denied By Financial Institution | 28 | $1,460,000 | $52,000 | $123,000 | $37,000 | $102,000 |
| Application Withdrawn By Applicant | 12 | $616,000 | $51,000 | $88,000 | $48,000 | $95,000 |
| Application Approved But Not Accepted | 12 | $650,000 | $54,000 | $126,000 | $48,000 | $113,000 |
| Loan Purchased By The Institution | 5 | $242,000 | $48,000 | $55,000 | $7,000 | $36,000 |
| File Closed For Incompleteness | 4 | $265,000 | $66,000 | $94,000 | $54,000 | $95,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $346,000 | $43,000 | $120,000 | $30,000 | $69,000 |
| Other | 7 | $388,000 | $55,000 | $80,000 | $49,000 | $82,000 |
| Collateral | 2 | $144,000 | $72,000 | $99,000 | $71,000 | $102,000 |
| Credit Application Incomplete | 2 | $110,000 | $55,000 | $62,000 | $24,000 | $26,000 |
| Debt-To-Income Ratio | 2 | $125,000 | $62,000 | $100,000 | $27,000 | $36,000 |
| Unverifiable Information | 1 | $50,000 | $50,000 | $50,000 | $60,000 | $60,000 |
| 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 |
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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