Phillips County, KS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 55 mortgage applications in Phillips County, KS totaling $4.0 million, up 139% from 2011. The average application was for $73,000, and applicants reported an average income of $69,000. 44% of applications resulted in an originated loan and 24% were denied. The most active lender was Golden Plains Credit Union, with 21 applications, followed by USAA Federal Savings Bank and Wells Fargo Bank NA.
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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 | 55 |
| Total Mortgage Loan Application Amount | $4,030,000 |
| Average Mortgage Loan Application Amount | $73,000 |
| Highest Mortgage Loan Application Amount | $278,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $361,000 |
| 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 |
* | $ 373,948,000 | 21 | $ 1,347,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 6 | $ 797,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 3 | $ 304,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 3 | $ 26,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 154,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 2 | $ 132,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 2 | $ 126,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 164,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 2 | $ 132,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 3,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 107,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 1 | $ 5,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,733,783,000 | 1 | $ 162,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 122,000 |
| State Bank of Downs 7887 E. BELLEVIEW AVE #100 ENGLEWOOD, CO 80111 |
* | $ 58,251,000 | 1 | $ 87,000 |
| Labette Bank PO BOX 497 319 4TH ALTAMONT, KS 67330 |
* | $ 328,725,000 | 1 | $ 42,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 1 | $ 9,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 70,000 |
The tables below break down 2012 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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 30 | $2,364,000 | $78,000 | $220,000 | $53,000 | $90,000 |
| Refinancing | 19 | $1,573,000 | $82,000 | $278,000 | $95,000 | $361,000 |
| Home Improvement | 6 | $93,000 | $15,000 | $53,000 | $66,000 | $100,000 |
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 | 46 | $3,435,000 | $74,000 | $278,000 | $73,000 | $361,000 |
| Not Provided | 6 | $454,000 | $75,000 | $117,000 | $59,000 | $78,000 |
| Not applicable | 2 | $132,000 | $66,000 | $68,000 | $0 | $0 |
| Black or African American | 1 | $9,000 | $9,000 | $9,000 | $81,000 | $81,000 |
| Hispanic | 0 | $0 | $0 | $0 | $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) | 37 | $2,748,000 | $74,000 | $278,000 | $74,000 | $361,000 |
| FHA-insured (Federal Housing Administration) | 9 | $471,000 | $52,000 | $117,000 | $67,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $539,000 | $77,000 | $107,000 | $45,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 2 | $272,000 | $136,000 | $172,000 | $77,000 | $85,000 |
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 | 24 | $1,869,000 | $77,000 | $172,000 | $75,000 | $206,000 |
| Application Denied By Financial Institution | 13 | $1,034,000 | $79,000 | $278,000 | $86,000 | $361,000 |
| Application Withdrawn By Applicant | 9 | $424,000 | $47,000 | $102,000 | $63,000 | $100,000 |
| Loan Purchased By The Institution | 5 | $403,000 | $80,000 | $107,000 | $28,000 | $59,000 |
| Application Approved But Not Accepted | 3 | $207,000 | $69,000 | $117,000 | $42,000 | $78,000 |
| File Closed For Incompleteness | 1 | $93,000 | $93,000 | $93,000 | $56,000 | $56,000 |
| 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 Application Incomplete | 3 | $424,000 | $141,000 | $278,000 | $192,000 | $361,000 |
| Credit History | 3 | $57,000 | $19,000 | $45,000 | $81,000 | $92,000 |
| Debt-To-Income Ratio | 2 | $184,000 | $92,000 | $114,000 | $38,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $14,000 | $14,000 | $14,000 | $24,000 | $24,000 |
| Other | 1 | $220,000 | $220,000 | $220,000 | $53,000 | $53,000 |
| Collateral | 1 | $57,000 | $57,000 | $57,000 | $85,000 | $85,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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