Pratt County, KS Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 184 mortgage applications in Pratt County, KS totaling $17.2 million, down 22% from 2013. The average application was for $93,000, and applicants reported an average income of $60,000. 50% of applications resulted in an originated loan and 18% were denied. The most active lender was Wells Fargo Bank NA, with 13 applications, followed by CMG Mortgage Inc and BNC National Bank.
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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 | 184 |
| Total Mortgage Loan Application Amount | $17,208,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $332,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $279,000 |
Top Mortgage Lenders in Pratt County, KS (2014)
Ranked by the number of mortgage applications each lender reported in Pratt County, KS in 2014.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank NA Minneapolis, MN |
13 | $1,070,000 | $82,000 | $54,000 |
| 2 | CMG Mortgage Inc San Ramon, IL |
9 | $1,192,000 | $132,000 | $72,000 |
| 3 | BNC National Bank Bismarck, ND |
7 | $745,000 | $106,000 | $66,000 |
| 4 | The First St B&Tc of Larned Larned, KS |
7 | $350,000 | $50,000 | $74,000 |
| 5 | JPMorgan Chase Bank, NA Columbus, OH |
7 | $797,000 | $113,000 | $35,000 |
| 6 | State Farm Bank, F.S.B. Bloomington, IL |
7 | $472,000 | $67,000 | $55,000 |
| 7 | Primary Residential Mortgage, Inc. Salt Lake City, UT |
5 | $343,000 | $68,000 | $36,000 |
| 8 | loanDepot.com LLC Irvine, CA |
5 | $760,000 | $152,000 | $49,000 |
| 9 | American Southwest Mortgage Corp. Oklahoma City, OK |
5 | $699,000 | $139,000 | $44,000 |
| 10 | Equitable Mortgage Springfield, MO |
4 | $317,000 | $79,000 | $76,000 |
The tables below break down 2014 mortgage applications in Pratt 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 Pratt County, KS in 2014
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 | 109 | $11,406,000 | $104,000 | $244,000 | $58,000 | $279,000 |
| Refinancing | 62 | $5,305,000 | $85,000 | $332,000 | $61,000 | $153,000 |
| Home Improvement | 13 | $497,000 | $38,000 | $133,000 | $79,000 | $182,000 |
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 | 145 | $13,637,000 | $94,000 | $332,000 | $66,000 | $279,000 |
| Not Provided | 20 | $1,835,000 | $91,000 | $195,000 | $71,000 | $171,000 |
| Not applicable | 17 | $1,486,000 | $87,000 | $191,000 | $0 | $0 |
| Hispanic | 2 | $250,000 | $125,000 | $150,000 | $49,000 | $52,000 |
| 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 |
| Black or African American | 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) | 118 | $10,479,000 | $88,000 | $332,000 | $65,000 | $279,000 |
| FHA-insured (Federal Housing Administration) | 41 | $4,120,000 | $100,000 | $244,000 | $60,000 | $163,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,643,000 | $96,000 | $208,000 | $33,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 8 | $966,000 | $120,000 | $215,000 | $59,000 | $107,000 |
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 | 92 | $8,879,000 | $96,000 | $332,000 | $73,000 | $279,000 |
| Application Denied By Financial Institution | 34 | $2,896,000 | $85,000 | $313,000 | $63,000 | $153,000 |
| Loan Purchased By The Institution | 27 | $2,397,000 | $88,000 | $191,000 | $21,000 | $82,000 |
| Application Withdrawn By Applicant | 15 | $1,297,000 | $86,000 | $238,000 | $56,000 | $107,000 |
| File Closed For Incompleteness | 8 | $709,000 | $88,000 | $150,000 | $46,000 | $171,000 |
| Application Approved But Not Accepted | 8 | $1,030,000 | $128,000 | $244,000 | $66,000 | $129,000 |
| 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 | 5 | $335,000 | $67,000 | $94,000 | $45,000 | $62,000 |
| Other | 4 | $249,000 | $62,000 | $144,000 | $77,000 | $115,000 |
| Debt-To-Income Ratio | 4 | $343,000 | $85,000 | $121,000 | $84,000 | $102,000 |
| Collateral | 4 | $485,000 | $121,000 | $313,000 | $119,000 | $153,000 |
| Credit History | 3 | $336,000 | $112,000 | $167,000 | $69,000 | $96,000 |
| Unverifiable Information | 1 | $13,000 | $13,000 | $13,000 | $25,000 | $25,000 |
| Employment History | 1 | $107,000 | $107,000 | $107,000 | $43,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $32,000 | $32,000 | $32,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 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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