Osborne County, KS Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 72 mortgage applications in Osborne County, KS totaling $3.4 million, down 24% from 2008. The average application was for $47,000, and applicants reported an average income of $59,000. 65% of applications resulted in an originated loan and 15% were denied. The most active lender was State Bank of Downs, with 19 applications, followed by Sunflower Bank, N.A. and Embrace Home Loans, Inc..
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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 | 72 |
| Total Mortgage Loan Application Amount | $3,426,000 |
| Average Mortgage Loan Application Amount | $47,000 |
| Highest Mortgage Loan Application Amount | $200,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $231,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| State Bank of Downs 7887 E. BELLEVIEW AVE #100 ENGLEWOOD, CO 80111 |
* | $ 59,920,000 | 19 | $ 538,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,647,527,000 | 16 | $ 907,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 410,000 |
| UMB Nba 1008 OAK ST KANSAS CITY, MO 64106 |
* | $ 835,953,000 | 5 | $ 268,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 4 | $ 48,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 219,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 2 | $ 112,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 901,102,000 | 2 | $ 120,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 2 | $ 90,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 51,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 45,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 1,476,384,000 | 1 | $ 45,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 1 | $ 62,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 317,499,000 | 1 | $ 72,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 1 | $ 133,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 1 | $ 40,000 |
| Fnb Bank 202 E 11TH GOODLAND, KS 67735 |
* | $ 345,429,000 | 1 | $ 64,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 79,000 |
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 9,262,734,000 | 1 | $ 5,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 6,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 25,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 87,000 |
The tables below break down 2009 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 2009
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 | 43 | $2,217,000 | $51,000 | $112,000 | $56,000 | $175,000 |
| Home Purchase | 16 | $884,000 | $55,000 | $200,000 | $63,000 | $231,000 |
| Home Improvement | 13 | $325,000 | $25,000 | $70,000 | $61,000 | $130,000 |
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 | 67 | $3,229,000 | $48,000 | $200,000 | $59,000 | $231,000 |
| Not Provided | 3 | $85,000 | $28,000 | $56,000 | $76,000 | $96,000 |
| Not applicable | 2 | $112,000 | $56,000 | $80,000 | $22,000 | $44,000 |
| 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 |
| Hispanic | 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) | 64 | $2,754,000 | $43,000 | $200,000 | $58,000 | $231,000 |
| FHA-insured (Federal Housing Administration) | 6 | $506,000 | $84,000 | $133,000 | $67,000 | $91,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $87,000 | $87,000 | $87,000 | $74,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 1 | $79,000 | $79,000 | $79,000 | $30,000 | $30,000 |
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 | 47 | $2,164,000 | $46,000 | $200,000 | $62,000 | $231,000 |
| Application Denied By Financial Institution | 11 | $533,000 | $48,000 | $76,000 | $55,000 | $85,000 |
| Application Withdrawn By Applicant | 6 | $356,000 | $59,000 | $112,000 | $59,000 | $89,000 |
| Application Approved But Not Accepted | 5 | $216,000 | $43,000 | $105,000 | $58,000 | $96,000 |
| Loan Purchased By The Institution | 3 | $157,000 | $52,000 | $80,000 | $19,000 | $44,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 2 | $55,000 | $27,000 | $45,000 | $50,000 | $72,000 |
| Debt-To-Income Ratio | 2 | $99,000 | $49,000 | $59,000 | $60,000 | $85,000 |
| Collateral | 2 | $113,000 | $56,000 | $62,000 | $57,000 | $69,000 |
| Other | 1 | $64,000 | $64,000 | $64,000 | $78,000 | $78,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $41,000 | $41,000 |
| Credit Application Incomplete | 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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