Ottawa County, KS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 141 mortgage applications in Ottawa County, KS totaling $22.3 million, up 1% from 2024. The average application was for $157,000, and applicants reported an average income of $90,000. 59% of applications resulted in an originated loan and 12% were denied. The most active lender was The Bennington State Bank, with 31 applications, followed by Planet Home Lending, LLC and PennyMac Loan Services LLC.
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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 | 141 |
| Total Mortgage Loan Application Amount | $22,265,000 |
| Average Mortgage Loan Application Amount | $157,000 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $315,000 |
| 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 |
* | $ n/a | 31 | $ 5,475,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 9 | $ 1,945,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 7 | $ 1,295,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 6 | $ 1,050,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ n/a | 6 | $ 970,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ n/a | 5 | $ 185,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 725,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 5 | $ 755,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 420,000 |
| Red Diamond Home Loans, LLC 165 S KIMBALL AVE SUITE 100 SOUTHLAKE, TX 76092 |
* | $ n/a | 3 | $ 815,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 675,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ n/a | 2 | $ 120,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 2 | $ 130,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ n/a | 2 | $ 410,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 420,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 150,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 2 | $ 190,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 180,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 125,000 |
| Premier Members Credit Union 5505 ARAPAHOE AVE BOULDER, CO 80303 |
* | $ n/a | 1 | $ 215,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ n/a | 1 | $ 85,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ n/a | 1 | $ 305,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 195,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 45,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 195,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 1 | $ 335,000 |
| The Citizens State Bank 201 S CHRISTIAN, PO BOX 110 MOUNDRIDGE, KS 67107 |
* | $ n/a | 1 | $ 125,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 65,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ n/a | 1 | $ 505,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 75,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 95,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 45,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 65,000 |
| M Squared Financial LLC 7501 MISSION RD STE 200 PRAIRIE VILLAGE, KS 66208 |
* | $ n/a | 1 | $ 275,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 25,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 55,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 225,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ n/a | 1 | $ 135,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ n/a | 1 | $ 75,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 625,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 55,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 35,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 55,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 55,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 315,000 |
| Great Plains Federal Credit Union 2306 S RANGE LINE RD JOPLIN, MO 64804 |
* | $ n/a | 1 | $ 55,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 85,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 175,000 |
| Freedom Northwest Credit Union 303 MAIN ST KAMIAH, ID 83536 |
* | $ n/a | 1 | $ 25,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 65,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Ottawa 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 Ottawa County, KS in 2025
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 | 86 | $15,190,000 | $176,000 | $625,000 | $91,000 | $315,000 |
| Cash-out Refinancing | 20 | $3,050,000 | $152,000 | $645,000 | $99,000 | $246,000 |
| Refinancing | 16 | $2,770,000 | $173,000 | $335,000 | $97,000 | $149,000 |
| Other Purpose | 10 | $950,000 | $95,000 | $505,000 | $58,000 | $144,000 |
| Home Improvement | 8 | $250,000 | $31,000 | $55,000 | $90,000 | $144,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $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 | 98 | $14,740,000 | $150,000 | $625,000 | $87,000 | $315,000 |
| Not applicable | 27 | $4,105,000 | $152,000 | $625,000 | $123,000 | $123,000 |
| Not Provided | 13 | $2,785,000 | $214,000 | $645,000 | $115,000 | $215,000 |
| Hispanic | 2 | $450,000 | $225,000 | $305,000 | $61,000 | $71,000 |
| Black or African American | 1 | $185,000 | $185,000 | $185,000 | $0 | $0 |
| 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 |
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) | 85 | $12,315,000 | $144,000 | $625,000 | $91,000 | $315,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,910,000 | $139,000 | $265,000 | $82,000 | $173,000 |
| VA-guaranteed (Veterans Administration) | 18 | $4,490,000 | $249,000 | $645,000 | $98,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,550,000 | $155,000 | $215,000 | $79,000 | $126,000 |
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 | 83 | $13,945,000 | $168,000 | $625,000 | $93,000 | $315,000 |
| Loan Purchased By The Institution | 22 | $3,640,000 | $165,000 | $625,000 | $123,000 | $123,000 |
| Application Denied By Financial Institution | 17 | $2,505,000 | $147,000 | $645,000 | $76,000 | $215,000 |
| Application Withdrawn By Applicant | 10 | $1,120,000 | $112,000 | $305,000 | $102,000 | $172,000 |
| Application Approved But Not Accepted | 5 | $485,000 | $97,000 | $185,000 | $72,000 | $116,000 |
| File Closed For Incompleteness | 4 | $570,000 | $142,000 | $215,000 | $40,000 | $40,000 |
| 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 | 90 | $14,000,000 | $155,000 | $625,000 | $89,000 | $208,000 |
| Debt-To-Income Ratio | 36 | $5,850,000 | $162,000 | $625,000 | $94,000 | $315,000 |
| Collateral | 4 | $910,000 | $227,000 | $505,000 | $105,000 | $160,000 |
| Credit Application Incomplete | 4 | $890,000 | $222,000 | $645,000 | $104,000 | $215,000 |
| Credit History | 3 | $125,000 | $41,000 | $65,000 | $45,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $360,000 | $180,000 | $295,000 | $93,000 | $146,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $80,000 | $80,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 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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