Osborne County, KS Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 50 mortgage applications in Osborne County, KS totaling $2.8 million, down 7% from 2010. The average application was for $55,000, and applicants reported an average income of $59,000. 54% of applications resulted in an originated loan and 26% were denied. The most active lender was State Bank of Downs, with 11 applications, followed by Sunflower Bank, N.A. and Central National Bank.
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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 | 50 |
| Total Mortgage Loan Application Amount | $2,775,000 |
| Average Mortgage Loan Application Amount | $55,000 |
| Highest Mortgage Loan Application Amount | $185,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $253,000 |
| 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 |
* | $ 58,919,000 | 11 | $ 449,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,694,138,000 | 10 | $ 605,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 837,325,000 | 5 | $ 158,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 5 | $ 57,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 402,609,000 | 3 | $ 235,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 2 | $ 182,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 223,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 2 | $ 97,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 185,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 161,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 60,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 1 | $ 26,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 1 | $ 93,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 1 | $ 114,000 |
| UMB National Bank of America 100 S SANTA FE AVE SALINA, KS 67401 |
* | $ 640,302,000 | 1 | $ 20,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 497,695,000 | 1 | $ 6,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 61,000 |
The tables below break down 2011 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 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 | 28 | $1,715,000 | $61,000 | $185,000 | $63,000 | $143,000 |
| Home Improvement | 15 | $584,000 | $38,000 | $150,000 | $57,000 | $253,000 |
| Home Purchase | 7 | $476,000 | $68,000 | $161,000 | $52,000 | $73,000 |
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 | 47 | $2,635,000 | $56,000 | $185,000 | $58,000 | $253,000 |
| Not Provided | 3 | $140,000 | $46,000 | $52,000 | $83,000 | $128,000 |
| 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 |
| Not applicable | 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) | 40 | $2,176,000 | $54,000 | $185,000 | $57,000 | $143,000 |
| FHA-insured (Federal Housing Administration) | 8 | $342,000 | $42,000 | $133,000 | $72,000 | $253,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $257,000 | $128,000 | $161,000 | $66,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $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 | 27 | $1,106,000 | $40,000 | $135,000 | $51,000 | $143,000 |
| Application Denied By Financial Institution | 13 | $1,061,000 | $81,000 | $161,000 | $79,000 | $253,000 |
| Application Withdrawn By Applicant | 6 | $401,000 | $66,000 | $185,000 | $67,000 | $127,000 |
| Application Approved But Not Accepted | 3 | $114,000 | $38,000 | $48,000 | $35,000 | $66,000 |
| Loan Purchased By The Institution | 1 | $93,000 | $93,000 | $93,000 | $77,000 | $77,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $346,000 | $86,000 | $150,000 | $62,000 | $111,000 |
| Credit History | 3 | $77,000 | $25,000 | $52,000 | $126,000 | $253,000 |
| Collateral | 2 | $195,000 | $97,000 | $150,000 | $116,000 | $128,000 |
| Credit Application Incomplete | 1 | $161,000 | $161,000 | $161,000 | $73,000 | $73,000 |
| Other | 1 | $130,000 | $130,000 | $130,000 | $31,000 | $31,000 |
| Unverifiable Information | 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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