Phillips County, KS Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 67 mortgage applications in Phillips County, KS totaling $6.9 million, up 49% from 2018. The average application was for $102,000, and applicants reported an average income of $64,000. 48% of applications resulted in an originated loan and 22% were denied. The most active lender was Golden Plains Credit Union, with 15 applications, followed by US Bank, N.A. and PennyMac Loan Services LLC.
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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 | 67 |
| Total Mortgage Loan Application Amount | $6,895,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $235,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $212,000 |
| 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 |
* | $ 657,261,000 | 15 | $ 1,345,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 4 | $ 290,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 315,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 585,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 345,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 699,960,000 | 2 | $ 210,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 2 | $ 190,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 2 | $ 320,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 2 | $ 140,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 2 | $ 110,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 1 | $ 135,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 611,001,000 | 1 | $ 95,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 55,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 165,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 25,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 684,352,000 | 1 | $ 125,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 85,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 1 | $ 85,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 205,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 125,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 35,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ -1,000 | 1 | $ 185,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 1 | $ 95,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 75,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 95,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 65,000 |
| Mid America Bank 802 AMES STREET BALDWIN CITY, KS 66006 |
* | $ 191,874,000 | 1 | $ 145,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 195,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 87,268,647,000 | 1 | $ 55,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 3,855,606,000 | 1 | $ 135,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 890,895,000 | 1 | $ 115,000 |
The tables below break down 2019 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 2019
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 | 40 | $4,080,000 | $102,000 | $195,000 | $55,000 | $127,000 |
| Cash-out Refinancing | 15 | $1,995,000 | $133,000 | $235,000 | $84,000 | $212,000 |
| Refinancing | 9 | $645,000 | $71,000 | $165,000 | $63,000 | $144,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $106,000 | $106,000 |
| Not Applicable | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Other Purpose | 1 | $65,000 | $65,000 | $65,000 | $42,000 | $42,000 |
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 | 45 | $4,615,000 | $102,000 | $235,000 | $63,000 | $212,000 |
| Not Provided | 11 | $1,025,000 | $93,000 | $165,000 | $58,000 | $105,000 |
| Not applicable | 6 | $730,000 | $121,000 | $195,000 | $47,000 | $47,000 |
| Hispanic | 2 | $160,000 | $80,000 | $95,000 | $71,000 | $88,000 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $127,000 | $127,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $91,000 | $91,000 |
| Black or African American | 1 | $125,000 | $125,000 | $125,000 | $58,000 | $58,000 |
| 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) | 33 | $3,055,000 | $92,000 | $215,000 | $71,000 | $212,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,060,000 | $147,000 | $235,000 | $61,000 | $117,000 |
| FHA-insured (Federal Housing Administration) | 10 | $980,000 | $98,000 | $165,000 | $60,000 | $105,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $800,000 | $80,000 | $125,000 | $44,000 | $87,000 |
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 | 32 | $3,300,000 | $103,000 | $235,000 | $59,000 | $117,000 |
| Application Denied By Financial Institution | 15 | $1,405,000 | $93,000 | $205,000 | $72,000 | $212,000 |
| Application Withdrawn By Applicant | 11 | $1,185,000 | $107,000 | $215,000 | $56,000 | $105,000 |
| Loan Purchased By The Institution | 6 | $730,000 | $121,000 | $195,000 | $47,000 | $47,000 |
| File Closed For Incompleteness | 2 | $230,000 | $115,000 | $135,000 | $135,000 | $144,000 |
| Application Approved But Not Accepted | 1 | $45,000 | $45,000 | $45,000 | $49,000 | $49,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 49 | $5,135,000 | $104,000 | $235,000 | $61,000 | $144,000 |
| Collateral | 6 | $670,000 | $111,000 | $205,000 | $93,000 | $212,000 |
| Credit History | 5 | $275,000 | $55,000 | $115,000 | $54,000 | $106,000 |
| Debt-To-Income Ratio | 3 | $355,000 | $118,000 | $145,000 | $65,000 | $93,000 |
| Credit Application Incomplete | 2 | $280,000 | $140,000 | $165,000 | $52,000 | $64,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $98,000 | $98,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $29,000 | $29,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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