Rawlins County, KS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 35 mortgage applications in Rawlins County, KS totaling $5.1 million, about the same as 2024. The average application was for $145,000, and applicants reported an average income of $87,000. 40% of applications resulted in an originated loan and 23% were denied. The most active lender was Outdoor Bank, with 3 applications, followed by New American Funding, Llc. and Farm Credit Mid-America, Aca.
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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 | 35 |
| Total Mortgage Loan Application Amount | $5,075,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $945,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $300,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ n/a | 3 | $ 455,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 320,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 1,100,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 70,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 240,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 2 | $ 260,000 |
| Mnb Bank 220 NORRIS AVE MCCOOK, NE 69001 |
* | $ n/a | 1 | $ 115,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ n/a | 1 | $ 165,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 155,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 165,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 175,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 295,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 25,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 65,000 |
| Mid American Credit Union 8404 W. KELLOGG DR. WICHITA, KS 67209 |
* | $ n/a | 1 | $ 215,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 55,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 95,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 295,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 115,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 55,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 65,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 1 | $ 65,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 45,000 |
The tables below break down 2025 mortgage applications in Rawlins 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 Rawlins County, KS in 2025
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 | 20 | $2,660,000 | $133,000 | $295,000 | $57,000 | $95,000 |
| Cash-out Refinancing | 6 | $770,000 | $128,000 | $225,000 | $115,000 | $144,000 |
| Other Purpose | 4 | $300,000 | $75,000 | $175,000 | $158,000 | $300,000 |
| Refinancing | 3 | $1,115,000 | $371,000 | $945,000 | $94,000 | $140,000 |
| Home Improvement | 2 | $230,000 | $115,000 | $205,000 | $101,000 | $167,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 25 | $4,035,000 | $161,000 | $945,000 | $88,000 | $300,000 |
| Not applicable | 5 | $705,000 | $141,000 | $295,000 | $109,000 | $109,000 |
| American Indian or Alaskan Native | 2 | $140,000 | $70,000 | $95,000 | $64,000 | $101,000 |
| Hispanic | 2 | $150,000 | $75,000 | $95,000 | $52,000 | $76,000 |
| Not Provided | 1 | $45,000 | $45,000 | $45,000 | $154,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 26 | $4,160,000 | $160,000 | $945,000 | $95,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 7 | $585,000 | $83,000 | $175,000 | $57,000 | $78,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $330,000 | $165,000 | $165,000 | $72,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 14 | $1,880,000 | $134,000 | $295,000 | $74,000 | $167,000 |
| Application Denied By Financial Institution | 8 | $1,680,000 | $210,000 | $945,000 | $113,000 | $300,000 |
| Application Withdrawn By Applicant | 5 | $515,000 | $103,000 | $155,000 | $103,000 | $154,000 |
| Loan Purchased By The Institution | 4 | $560,000 | $140,000 | $295,000 | $109,000 | $109,000 |
| File Closed For Incompleteness | 2 | $250,000 | $125,000 | $205,000 | $47,000 | $76,000 |
| Application Approved But Not Accepted | 2 | $190,000 | $95,000 | $95,000 | $52,000 | $76,000 |
| 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 | 26 | $3,280,000 | $126,000 | $295,000 | $79,000 | $167,000 |
| Credit History | 3 | $295,000 | $98,000 | $215,000 | $154,000 | $300,000 |
| Debt-To-Income Ratio | 3 | $1,085,000 | $361,000 | $945,000 | $99,000 | $140,000 |
| Unverifiable Information | 2 | $390,000 | $195,000 | $225,000 | $75,000 | $78,000 |
| Collateral | 1 | $25,000 | $25,000 | $25,000 | $46,000 | $46,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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