Ottawa County, KS Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 185 mortgage applications in Ottawa County, KS totaling $16.5 million, down 14% from 2012. The average application was for $89,000, and applicants reported an average income of $60,000. 62% of applications resulted in an originated loan and 17% were denied. The most active lender was The Bennington State Bank, with 80 applications, followed by Mortgage Investment Services Corporation and Stonegate Mortgage Corporation.
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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 | 185 |
| Total Mortgage Loan Application Amount | $16,506,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $246,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $618,000 |
| 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 |
* | $ 465,391,000 | 80 | $ 5,472,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 11 | $ 1,371,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 8 | $ 1,113,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 8 | $ 876,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 7 | $ 610,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,754,705,000 | 7 | $ 934,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 6 | $ 567,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 379,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 4 | $ 380,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 3 | $ 215,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 3 | $ 364,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 289,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 2 | $ 148,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 183,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 137,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 165,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 467,666,000 | 2 | $ 178,000 |
| Great Plains 2306 S RANGE LINE RD JOPLIN, MO 64804 |
* | $ 295,139,000 | 2 | $ 125,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 889,173,000 | 2 | $ 174,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 99,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 116,000 |
| Simmons First National Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 2,081,828,000 | 1 | $ 58,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 1 | $ 69,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 14,689,863,000 | 1 | $ 30,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 1 | $ 128,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 142,588,000 | 1 | $ 67,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 212,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 51,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 1 | $ 60,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 92,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 246,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 50,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 146,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 560,406,000 | 1 | $ 49,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,667,944,000 | 1 | $ 196,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 502,064,000 | 1 | $ 28,000 |
The tables below break down 2013 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 2013
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 | 110 | $10,607,000 | $96,000 | $246,000 | $64,000 | $618,000 |
| Home Purchase | 60 | $5,323,000 | $88,000 | $238,000 | $51,000 | $124,000 |
| Home Improvement | 15 | $576,000 | $38,000 | $125,000 | $64,000 | $162,000 |
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 | 163 | $14,569,000 | $89,000 | $246,000 | $62,000 | $618,000 |
| Not applicable | 14 | $1,111,000 | $79,000 | $186,000 | $37,000 | $106,000 |
| Not Provided | 7 | $796,000 | $113,000 | $166,000 | $62,000 | $109,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $58,000 | $58,000 |
| 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) | 147 | $12,833,000 | $87,000 | $246,000 | $65,000 | $618,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,331,000 | $105,000 | $216,000 | $44,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $599,000 | $74,000 | $146,000 | $34,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 8 | $743,000 | $92,000 | $134,000 | $27,000 | $60,000 |
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 | 115 | $9,755,000 | $84,000 | $239,000 | $65,000 | $618,000 |
| Application Denied By Financial Institution | 32 | $2,808,000 | $87,000 | $212,000 | $50,000 | $124,000 |
| Loan Purchased By The Institution | 17 | $1,769,000 | $104,000 | $216,000 | $47,000 | $106,000 |
| Application Approved But Not Accepted | 11 | $1,210,000 | $110,000 | $246,000 | $72,000 | $116,000 |
| Application Withdrawn By Applicant | 8 | $815,000 | $101,000 | $204,000 | $47,000 | $90,000 |
| File Closed For Incompleteness | 2 | $149,000 | $74,000 | $84,000 | $11,000 | $22,000 |
| 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 | $489,000 | $69,000 | $115,000 | $52,000 | $65,000 |
| Collateral | 3 | $280,000 | $93,000 | $212,000 | $62,000 | $81,000 |
| Credit Application Incomplete | 3 | $290,000 | $96,000 | $115,000 | $63,000 | $86,000 |
| Other | 3 | $238,000 | $79,000 | $92,000 | $50,000 | $70,000 |
| Debt-To-Income Ratio | 2 | $279,000 | $139,000 | $202,000 | $29,000 | $36,000 |
| 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 |
| Unverifiable Information | 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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