Osborne County, KS Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 36 mortgage applications in Osborne County, KS totaling $3.3 million, down 39% from 2021. The average application was for $92,000, and applicants reported an average income of $67,000. 42% of applications resulted in an originated loan and 25% were denied. The most active lender was Sunflower Bank, N.A., with 9 applications, followed by Discover Bank and The Bennington State 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 | 36 |
| Total Mortgage Loan Application Amount | $3,320,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $235,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $195,000 |
| 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 |
* | $ 5,652,968,000 | 9 | $ 745,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 3 | $ 105,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 938,490,000 | 3 | $ 205,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 2 | $ 90,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 831,399,000 | 2 | $ 210,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 45,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 235,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 7,187,889,000 | 1 | $ 35,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 105,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 1,284,662,000 | 1 | $ 125,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 235,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 135,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 85,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 1 | $ 45,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 155,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 85,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 135,000 |
The tables below break down 2022 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 2022
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 | 21 | $2,135,000 | $101,000 | $235,000 | $61,000 | $150,000 |
| Refinancing | 6 | $390,000 | $65,000 | $155,000 | $63,000 | $123,000 |
| Cash-out Refinancing | 5 | $495,000 | $99,000 | $135,000 | $86,000 | $195,000 |
| Home Improvement | 2 | $230,000 | $115,000 | $145,000 | $130,000 | $131,000 |
| Other Purpose | 2 | $70,000 | $35,000 | $35,000 | $41,000 | $58,000 |
| 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 | 28 | $2,420,000 | $86,000 | $235,000 | $65,000 | $195,000 |
| Not Provided | 5 | $485,000 | $97,000 | $145,000 | $86,000 | $123,000 |
| Not applicable | 3 | $415,000 | $138,000 | $235,000 | $29,000 | $29,000 |
| 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) | 24 | $2,040,000 | $85,000 | $155,000 | $72,000 | $150,000 |
| FHA-insured (Federal Housing Administration) | 7 | $605,000 | $86,000 | $135,000 | $59,000 | $195,000 |
| VA-guaranteed (Veterans Administration) | 3 | $565,000 | $188,000 | $235,000 | $69,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $110,000 | $55,000 | $65,000 | $30,000 | $31,000 |
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 | 15 | $1,525,000 | $101,000 | $235,000 | $80,000 | $195,000 |
| Application Denied By Financial Institution | 9 | $645,000 | $71,000 | $125,000 | $36,000 | $62,000 |
| Application Withdrawn By Applicant | 6 | $550,000 | $91,000 | $155,000 | $76,000 | $130,000 |
| Loan Purchased By The Institution | 3 | $415,000 | $138,000 | $235,000 | $29,000 | $29,000 |
| File Closed For Incompleteness | 2 | $100,000 | $50,000 | $65,000 | $77,000 | $130,000 |
| Application Approved But Not Accepted | 1 | $85,000 | $85,000 | $85,000 | $130,000 | $130,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 24 | $2,470,000 | $102,000 | $235,000 | $85,000 | $195,000 |
| Debt-To-Income Ratio | 4 | $310,000 | $77,000 | $155,000 | $35,000 | $58,000 |
| Collateral | 3 | $215,000 | $71,000 | $95,000 | $54,000 | $62,000 |
| Credit History | 2 | $80,000 | $40,000 | $45,000 | $21,000 | $29,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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