Phillips County, KS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 95 mortgage applications in Phillips County, KS totaling $12.9 million, up 25% from 2024. The average application was for $136,000, and applicants reported an average income of $88,000. 42% of applications resulted in an originated loan and 20% were denied. The most active lender was Golden Plains Credit Union, with 36 applications, followed by Mortgage Research Center and Farm Credit Mid-America, Aca.
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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 | 95 |
| Total Mortgage Loan Application Amount | $12,935,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $264,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ n/a | 36 | $ 4,090,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 5 | $ 1,265,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 3 | $ 1,545,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 365,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 325,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ n/a | 2 | $ 70,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 2 | $ 280,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 190,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 240,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 100,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ n/a | 2 | $ 60,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 380,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 55,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 85,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 265,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 205,000 |
| Union State Bank 127 S SUMMIT STREET ARKANSAS CITY, KS 67005 |
* | $ n/a | 1 | $ 155,000 |
| Bank of Colorado 1609 EAST HARMONY RD FORT COLLINS, CO 80525 |
* | $ n/a | 1 | $ 85,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 1 | $ 235,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 85,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 205,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 155,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 85,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 35,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 145,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 115,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 145,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 65,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 235,000 |
| Mnb Bank 220 NORRIS AVE MCCOOK, NE 69001 |
* | $ n/a | 1 | $ 115,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 65,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 75,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 1 | $ 205,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Phillips 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 Phillips 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 | 66 | $9,460,000 | $143,000 | $655,000 | $86,000 | $264,000 |
| Cash-out Refinancing | 10 | $1,720,000 | $172,000 | $515,000 | $96,000 | $152,000 |
| Refinancing | 10 | $1,330,000 | $133,000 | $205,000 | $111,000 | $214,000 |
| Other Purpose | 6 | $270,000 | $45,000 | $85,000 | $81,000 | $143,000 |
| Home Improvement | 2 | $50,000 | $25,000 | $25,000 | $71,000 | $79,000 |
| Not Applicable | 1 | $105,000 | $105,000 | $105,000 | $50,000 | $50,000 |
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 | 60 | $7,930,000 | $132,000 | $655,000 | $91,000 | $264,000 |
| Not Provided | 21 | $3,435,000 | $163,000 | $515,000 | $92,000 | $235,000 |
| Not applicable | 7 | $785,000 | $112,000 | $205,000 | $120,000 | $133,000 |
| Hispanic | 5 | $645,000 | $129,000 | $205,000 | $51,000 | $90,000 |
| American Indian or Alaskan Native | 2 | $140,000 | $70,000 | $75,000 | $43,000 | $45,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 65 | $8,675,000 | $133,000 | $655,000 | $97,000 | $264,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,200,000 | $100,000 | $215,000 | $49,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,500,000 | $150,000 | $235,000 | $83,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,560,000 | $195,000 | $515,000 | $79,000 | $128,000 |
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 | 40 | $5,260,000 | $131,000 | $595,000 | $103,000 | $260,000 |
| Application Denied By Financial Institution | 19 | $1,805,000 | $95,000 | $205,000 | $54,000 | $120,000 |
| Application Withdrawn By Applicant | 12 | $2,130,000 | $177,000 | $655,000 | $98,000 | $264,000 |
| Loan Purchased By The Institution | 6 | $670,000 | $111,000 | $205,000 | $120,000 | $133,000 |
| Preapproval Approved but not Accepted | 6 | $650,000 | $108,000 | $245,000 | $60,000 | $120,000 |
| Preapproval Denied by Financial Institution | 5 | $825,000 | $165,000 | $215,000 | $81,000 | $133,000 |
| File Closed For Incompleteness | 5 | $1,365,000 | $273,000 | $515,000 | $107,000 | $143,000 |
| Application Approved But Not Accepted | 2 | $230,000 | $115,000 | $125,000 | $107,000 | $168,000 |
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 | 69 | $10,035,000 | $145,000 | $655,000 | $97,000 | $264,000 |
| Credit History | 11 | $905,000 | $82,000 | $185,000 | $64,000 | $133,000 |
| Debt-To-Income Ratio | 8 | $1,280,000 | $160,000 | $215,000 | $79,000 | $235,000 |
| Collateral | 2 | $170,000 | $85,000 | $115,000 | $82,000 | $86,000 |
| Credit Application Incomplete | 2 | $250,000 | $125,000 | $185,000 | $71,000 | $120,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $29,000 | $29,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $54,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $19,000 | $19,000 |
| 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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