Rawlins County, KS Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 38 mortgage applications in Rawlins County, KS totaling $3.7 million, up 23% from 2016. The average application was for $97,000, and applicants reported an average income of $58,000. 42% of applications resulted in an originated loan and 24% were denied. The most active lender was Mortgage Investment Services Corporation, with 10 applications, followed by Equity Bank and Embrace Home Loans, Inc..
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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 | 38 |
| Total Mortgage Loan Application Amount | $3,709,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $375,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $213,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 10 | $ 979,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 2,191,786,000 | 4 | $ 270,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 296,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 2 | $ 126,000 |
| Azura Credit Union 610 SW 10TH AVENUE TOPEKA, KS 66612 |
* | $ 472,738,000 | 2 | $ 192,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 489,376,000 | 1 | $ 30,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,881,666,000 | 1 | $ 96,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 252,204,000 | 1 | $ 25,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 1 | $ 37,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 77,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 1 | $ 50,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 137,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 704,228,000 | 1 | $ 375,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 48,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 1 | $ 172,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,027,051,000 | 1 | $ 55,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 253,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 590,939,000 | 1 | $ 115,000 |
The tables below break down 2017 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 2017
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 | 25 | $2,107,000 | $84,000 | $177,000 | $52,000 | $126,000 |
| Refinancing | 9 | $1,348,000 | $149,000 | $375,000 | $74,000 | $213,000 |
| Home Improvement | 4 | $254,000 | $63,000 | $137,000 | $60,000 | $84,000 |
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 | 32 | $3,006,000 | $93,000 | $375,000 | $59,000 | $213,000 |
| Not applicable | 2 | $126,000 | $63,000 | $66,000 | $0 | $0 |
| Not Provided | 2 | $240,000 | $120,000 | $172,000 | $111,000 | $126,000 |
| American Indian or Alaskan Native | 1 | $84,000 | $84,000 | $84,000 | $30,000 | $30,000 |
| Hispanic | 1 | $253,000 | $253,000 | $253,000 | $51,000 | $51,000 |
| 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) | 22 | $2,219,000 | $100,000 | $375,000 | $68,000 | $213,000 |
| FHA-insured (Federal Housing Administration) | 7 | $736,000 | $105,000 | $177,000 | $65,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $424,000 | $60,000 | $74,000 | $23,000 | $38,000 |
| VA-guaranteed (Veterans Administration) | 2 | $330,000 | $165,000 | $253,000 | $46,000 | $51,000 |
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 | 16 | $1,746,000 | $109,000 | $375,000 | $76,000 | $213,000 |
| Application Denied By Financial Institution | 9 | $489,000 | $54,000 | $84,000 | $35,000 | $65,000 |
| Application Withdrawn By Applicant | 6 | $811,000 | $135,000 | $253,000 | $53,000 | $99,000 |
| File Closed For Incompleteness | 4 | $447,000 | $111,000 | $152,000 | $74,000 | $99,000 |
| Loan Purchased By The Institution | 2 | $126,000 | $63,000 | $66,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $90,000 | $90,000 | $90,000 | $56,000 | $56,000 |
| 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 | 2 | $87,000 | $43,000 | $50,000 | $42,000 | $56,000 |
| Debt-To-Income Ratio | 2 | $116,000 | $58,000 | $68,000 | $20,000 | $33,000 |
| Collateral | 1 | $25,000 | $25,000 | $25,000 | $65,000 | $65,000 |
| Credit Application Incomplete | 1 | $84,000 | $84,000 | $84,000 | $30,000 | $30,000 |
| 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 |
| 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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