Osborne County, KS Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 46 mortgage applications in Osborne County, KS totaling $4.6 million, down 30% from 2018. The average application was for $99,000, and applicants reported an average income of $79,000. 72% of applications resulted in an originated loan and 11% were denied. The most active lender was The Bennington State Bank, with 7 applications, followed by Central National Bank and Sunflower Bank, N.A..
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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 | 46 |
| Total Mortgage Loan Application Amount | $4,590,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $235,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $163,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 699,960,000 | 7 | $ 615,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 966,018,000 | 5 | $ 375,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 3,855,606,000 | 5 | $ 405,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 4 | $ 730,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 4,058,211,000 | 2 | $ 190,000 |
| State Bank of Downs 7887 E. BELLEVIEW AVE #100 ENGLEWOOD, CO 80111 |
* | $ 88,233,000 | 2 | $ 80,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 23,137,750,000 | 1 | $ 175,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 235,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 35,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,686,673,000 | 1 | $ 75,000 |
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ 225,924,000 | 1 | $ 25,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 85,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 85,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 145,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 1 | $ 165,000 |
| Great Plains 2306 S RANGE LINE RD JOPLIN, MO 64804 |
* | $ 280,414,000 | 1 | $ 125,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 45,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 85,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 1 | $ 25,000 |
The tables below break down 2019 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 2019
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 33 | $3,295,000 | $99,000 | $235,000 | $81,000 | $163,000 |
| Cash-out Refinancing | 5 | $415,000 | $83,000 | $165,000 | $59,000 | $94,000 |
| Refinancing | 5 | $645,000 | $129,000 | $235,000 | $82,000 | $126,000 |
| Home Improvement | 2 | $210,000 | $105,000 | $175,000 | $57,000 | $80,000 |
| Other Purpose | 1 | $25,000 | $25,000 | $25,000 | $96,000 | $96,000 |
| Not Applicable | 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 | 35 | $3,535,000 | $101,000 | $235,000 | $75,000 | $163,000 |
| Not applicable | 6 | $670,000 | $111,000 | $235,000 | $95,000 | $125,000 |
| Not Provided | 4 | $320,000 | $80,000 | $85,000 | $107,000 | $157,000 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $62,000 | $62,000 |
| 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) | 28 | $2,640,000 | $94,000 | $205,000 | $76,000 | $156,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,405,000 | $127,000 | $235,000 | $85,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $375,000 | $75,000 | $85,000 | $48,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 2 | $170,000 | $85,000 | $85,000 | $160,000 | $163,000 |
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 | 33 | $3,265,000 | $98,000 | $235,000 | $74,000 | $157,000 |
| Loan Purchased By The Institution | 5 | $625,000 | $125,000 | $235,000 | $95,000 | $125,000 |
| Application Denied By Financial Institution | 5 | $325,000 | $65,000 | $95,000 | $69,000 | $163,000 |
| Application Withdrawn By Applicant | 3 | $375,000 | $125,000 | $205,000 | $120,000 | $156,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 31 | $3,425,000 | $110,000 | $235,000 | $80,000 | $157,000 |
| Debt-To-Income Ratio | 11 | $885,000 | $80,000 | $205,000 | $79,000 | $125,000 |
| Credit History | 4 | $280,000 | $70,000 | $95,000 | $69,000 | $163,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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