Ottawa County, KS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 215 mortgage applications in Ottawa County, KS totaling $21.0 million, down 5% from 2011. The average application was for $97,000, and applicants reported an average income of $56,000. 62% of applications resulted in an originated loan and 14% were denied. The most active lender was The Bennington State Bank, with 65 applications, followed by Wells Fargo Bank NA 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 | 215 |
| Total Mortgage Loan Application Amount | $20,965,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $326,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $166,000 |
| 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 |
* | $ 444,250,000 | 65 | $ 4,620,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 27 | $ 3,045,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,733,783,000 | 18 | $ 1,691,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 12 | $ 1,171,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 11 | $ 1,102,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 8 | $ 1,018,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 637,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 6 | $ 605,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 5 | $ 807,000 |
| Great Plains 2306 S RANGE LINE RD JOPLIN, MO 64804 |
* | $ 286,660,000 | 4 | $ 318,000 |
| Simmons First National Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 1,849,762,000 | 3 | $ 361,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 3 | $ 196,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 188,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 2 | $ 112,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 187,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 889,265,000 | 2 | $ 148,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 2 | $ 239,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 2 | $ 242,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 2 | $ 195,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 319,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 2 | $ 171,000 |
| First National Bank & Trust Co 702 N. WASHINGTON JUNCTION CITY, KS 66441 |
* | $ 108,702,000 | 1 | $ 296,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 66,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 72,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 11,205,930,000 | 1 | $ 118,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ 178,139,000 | 1 | $ 149,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 3,171,239,000 | 1 | $ 169,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 71,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,167,422,000 | 1 | $ 43,000 |
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 1 | $ 75,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 236,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 236,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 1 | $ 194,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 240,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 90,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 65,000 |
| UMB National Bank of America 100 S SANTA FE AVE SALINA, KS 67401 |
* | $ 825,618,000 | 1 | $ 150,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 24,563,405,000 | 1 | $ 70,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 20,493,569,000 | 1 | $ 45,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 82,000 |
The tables below break down 2012 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 2012
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 | 133 | $14,355,000 | $107,000 | $250,000 | $59,000 | $143,000 |
| Home Purchase | 63 | $5,732,000 | $90,000 | $326,000 | $48,000 | $124,000 |
| Home Improvement | 19 | $878,000 | $46,000 | $154,000 | $64,000 | $166,000 |
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 | 181 | $18,012,000 | $99,000 | $326,000 | $61,000 | $166,000 |
| Not applicable | 17 | $1,528,000 | $89,000 | $184,000 | $10,000 | $75,000 |
| Not Provided | 9 | $801,000 | $89,000 | $214,000 | $47,000 | $75,000 |
| Hispanic | 4 | $323,000 | $80,000 | $117,000 | $66,000 | $75,000 |
| Black or African American | 3 | $226,000 | $75,000 | $171,000 | $48,000 | $73,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $100,000 | $100,000 |
| American Indian or Alaskan Native | 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) | 162 | $14,609,000 | $90,000 | $250,000 | $59,000 | $166,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,829,000 | $117,000 | $244,000 | $49,000 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,892,000 | $105,000 | $296,000 | $53,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,635,000 | $148,000 | $326,000 | $36,000 | $124,000 |
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 | 133 | $12,304,000 | $92,000 | $296,000 | $58,000 | $143,000 |
| Application Denied By Financial Institution | 30 | $2,444,000 | $81,000 | $214,000 | $50,000 | $100,000 |
| Loan Purchased By The Institution | 25 | $3,214,000 | $128,000 | $326,000 | $41,000 | $141,000 |
| Application Withdrawn By Applicant | 14 | $1,805,000 | $128,000 | $240,000 | $65,000 | $140,000 |
| Application Approved But Not Accepted | 9 | $829,000 | $92,000 | $195,000 | $75,000 | $166,000 |
| File Closed For Incompleteness | 4 | $369,000 | $92,000 | $141,000 | $56,000 | $115,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 7 | $499,000 | $71,000 | $171,000 | $38,000 | $71,000 |
| Collateral | 4 | $305,000 | $76,000 | $112,000 | $56,000 | $100,000 |
| Other | 3 | $361,000 | $120,000 | $214,000 | $65,000 | $80,000 |
| Debt-To-Income Ratio | 3 | $233,000 | $77,000 | $104,000 | $58,000 | $100,000 |
| Credit Application Incomplete | 1 | $141,000 | $141,000 | $141,000 | $30,000 | $30,000 |
| 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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