Phillips County, KS Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 82 mortgage applications in Phillips County, KS totaling $8.2 million, up 22% from 2019. The average application was for $100,000, and applicants reported an average income of $70,000. 59% of applications resulted in an originated loan and 12% were denied. The most active lender was Golden Plains Credit Union, with 37 applications, followed by Mortgage Investment Services Corporation and loanDepot.com 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 | 82 |
| Total Mortgage Loan Application Amount | $8,220,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $235,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $193,000 |
Top Mortgage Lenders in Phillips County, KS (2020)
Ranked by the number of mortgage applications each lender reported in Phillips County, KS in 2020.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Golden Plains Credit Union Garden City, KS |
37 | $3,325,000 | $89,000 | $70,000 |
| 2 | Mortgage Investment Services Corporation Shawnee, KS |
3 | $285,000 | $95,000 | $49,000 |
| 3 | loanDepot.com LLC Irvine, CA |
3 | $345,000 | $115,000 | $47,000 |
| 4 | Amerisave Mortgage Company Sandy Springs, GA |
2 | $300,000 | $150,000 | $47,000 |
| 5 | Mortgage Research Center Columbia, MO |
2 | $180,000 | $90,000 | $68,000 |
| 6 | US Bank, N.A. Cincinnati, OH |
2 | $30,000 | $15,000 | $25,000 |
| 7 | Low VA Rates, LLC Lindon, UT |
2 | $390,000 | $195,000 | $0 |
| 8 | Magnolia Bank Hodgenville, KY |
1 | $195,000 | $195,000 | $0 |
| 9 | Nations Lending Corporation Independence, OH |
1 | $155,000 | $155,000 | $0 |
| 10 | Outdoor Bank Manhattan, KS |
1 | $15,000 | $15,000 | $0 |
The tables below break down 2020 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 2020
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 | 35 | $3,515,000 | $100,000 | $225,000 | $69,000 | $127,000 |
| Refinancing | 29 | $3,025,000 | $104,000 | $195,000 | $67,000 | $154,000 |
| Cash-out Refinancing | 9 | $985,000 | $109,000 | $165,000 | $64,000 | $101,000 |
| Other Purpose | 4 | $460,000 | $115,000 | $235,000 | $107,000 | $170,000 |
| Home Improvement | 3 | $45,000 | $15,000 | $25,000 | $80,000 | $193,000 |
| Not Applicable | 2 | $190,000 | $95,000 | $165,000 | $0 | $0 |
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 | 69 | $6,935,000 | $100,000 | $235,000 | $72,000 | $193,000 |
| Not Provided | 6 | $490,000 | $81,000 | $125,000 | $39,000 | $56,000 |
| Not applicable | 5 | $605,000 | $121,000 | $195,000 | $126,000 | $126,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $47,000 | $47,000 |
| Black or African American | 1 | $135,000 | $135,000 | $135,000 | $71,000 | $71,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 54 | $4,940,000 | $91,000 | $235,000 | $76,000 | $193,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,060,000 | $147,000 | $195,000 | $61,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $605,000 | $67,000 | $115,000 | $44,000 | $65,000 |
| FHA-insured (Federal Housing Administration) | 5 | $615,000 | $123,000 | $165,000 | $68,000 | $98,000 |
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 | 48 | $4,750,000 | $98,000 | $225,000 | $70,000 | $154,000 |
| Application Denied By Financial Institution | 10 | $880,000 | $88,000 | $235,000 | $84,000 | $170,000 |
| File Closed For Incompleteness | 6 | $590,000 | $98,000 | $195,000 | $57,000 | $193,000 |
| Loan Purchased By The Institution | 6 | $720,000 | $120,000 | $195,000 | $87,000 | $126,000 |
| Application Withdrawn By Applicant | 5 | $725,000 | $145,000 | $195,000 | $67,000 | $107,000 |
| Application Approved But Not Accepted | 4 | $350,000 | $87,000 | $155,000 | $80,000 | $110,000 |
| Preapproval Denied by Financial Institution | 2 | $150,000 | $75,000 | $95,000 | $49,000 | $52,000 |
| Preapproval Approved but not Accepted | 1 | $55,000 | $55,000 | $55,000 | $41,000 | $41,000 |
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 | 70 | $7,190,000 | $102,000 | $225,000 | $69,000 | $193,000 |
| Collateral | 3 | $245,000 | $81,000 | $195,000 | $82,000 | $111,000 |
| Credit History | 2 | $110,000 | $55,000 | $95,000 | $38,000 | $52,000 |
| Debt-To-Income Ratio | 2 | $290,000 | $145,000 | $235,000 | $108,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $210,000 | $105,000 | $115,000 | $97,000 | $127,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $98,000 | $98,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $105,000 | $105,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $4,000 | $4,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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