Phillips County, KS Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 49 mortgage applications in Phillips County, KS totaling $4.2 million, up 4% from 2014. The average application was for $85,000, and applicants reported an average income of $74,000. 55% of applications resulted in an originated loan and 18% were denied. The most active lender was Golden Plains Credit Union, with 24 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 | 49 |
| Total Mortgage Loan Application Amount | $4,165,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $209,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $251,000 |
| 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 |
* | $ 520,458,000 | 24 | $ 1,767,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 4 | $ 617,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 2 | $ 49,000 |
| Halstead Bank 314 MAIN ST HALSTEAD, KS 67056 |
* | $ 94,079,000 | 1 | $ 55,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 38,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 98,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 115,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 861,430,000 | 1 | $ 144,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 36,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 108,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 95,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 133,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 190,000 |
The tables below break down 2015 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 2015
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 | 28 | $2,324,000 | $83,000 | $190,000 | $75,000 | $251,000 |
| Refinancing | 19 | $1,607,000 | $84,000 | $190,000 | $65,000 | $190,000 |
| Home Improvement | 2 | $234,000 | $117,000 | $209,000 | $131,000 | $154,000 |
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 | 39 | $3,350,000 | $85,000 | $209,000 | $71,000 | $251,000 |
| Not Provided | 9 | $779,000 | $86,000 | $190,000 | $93,000 | $198,000 |
| Not applicable | 1 | $36,000 | $36,000 | $36,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 30 | $2,271,000 | $75,000 | $190,000 | $78,000 | $251,000 |
| VA-guaranteed (Veterans Administration) | 7 | $884,000 | $126,000 | $209,000 | $78,000 | $154,000 |
| FHA-insured (Federal Housing Administration) | 6 | $439,000 | $73,000 | $115,000 | $58,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $571,000 | $95,000 | $138,000 | $60,000 | $106,000 |
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 | 27 | $1,995,000 | $73,000 | $190,000 | $65,000 | $198,000 |
| Application Denied By Financial Institution | 9 | $1,033,000 | $114,000 | $190,000 | $77,000 | $138,000 |
| Application Withdrawn By Applicant | 8 | $619,000 | $77,000 | $209,000 | $100,000 | $251,000 |
| Loan Purchased By The Institution | 3 | $241,000 | $80,000 | $136,000 | $23,000 | $71,000 |
| File Closed For Incompleteness | 1 | $133,000 | $133,000 | $133,000 | $190,000 | $190,000 |
| Application Approved But Not Accepted | 1 | $144,000 | $144,000 | $144,000 | $112,000 | $112,000 |
| 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 | 3 | $388,000 | $129,000 | $138,000 | $81,000 | $106,000 |
| Debt-To-Income Ratio | 2 | $153,000 | $76,000 | $115,000 | $95,000 | $138,000 |
| Employment History | 1 | $190,000 | $190,000 | $190,000 | $45,000 | $45,000 |
| Collateral | 1 | $115,000 | $115,000 | $115,000 | $122,000 | $122,000 |
| Credit Application Incomplete | 1 | $72,000 | $72,000 | $72,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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