Rawlins County, KS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 35 mortgage applications in Rawlins County, KS totaling $3.7 million, up 25% from 2023. The average application was for $107,000, and applicants reported an average income of $91,000. 40% of applications resulted in an originated loan and 31% were denied. The most active lender was Discover Bank, with 5 applications, followed by Mortgage Investment Services Corporation and The Bennington State 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 | 35 |
| Total Mortgage Loan Application Amount | $3,745,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $228,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 5 | $ 455,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 4 | $ 350,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ n/a | 3 | $ 175,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 2 | $ 250,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 2 | $ 330,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 2 | $ 260,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 150,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 45,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 85,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ n/a | 1 | $ 85,000 |
| Azura Credit Union 610 SW 10TH AVENUE TOPEKA, KS 66612 |
* | $ n/a | 1 | $ 75,000 |
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ n/a | 1 | $ 65,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 115,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 1 | $ 45,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ n/a | 1 | $ 125,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 115,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 95,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 115,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 325,000 |
The tables below break down 2024 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 2024
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 | 15 | $1,405,000 | $93,000 | $175,000 | $64,000 | $140,000 |
| Home Improvement | 10 | $1,030,000 | $103,000 | $165,000 | $120,000 | $228,000 |
| Other Purpose | 4 | $290,000 | $72,000 | $115,000 | $173,000 | $203,000 |
| Refinancing | 4 | $810,000 | $202,000 | $325,000 | $68,000 | $144,000 |
| Cash-out Refinancing | 2 | $210,000 | $105,000 | $165,000 | $32,000 | $40,000 |
| 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 | 26 | $2,540,000 | $97,000 | $325,000 | $100,000 | $228,000 |
| Not Provided | 3 | $575,000 | $191,000 | $325,000 | $80,000 | $125,000 |
| Hispanic | 3 | $285,000 | $95,000 | $135,000 | $46,000 | $89,000 |
| Not applicable | 2 | $230,000 | $115,000 | $115,000 | $0 | $0 |
| Asian | 1 | $115,000 | $115,000 | $115,000 | $42,000 | $42,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 23 | $2,135,000 | $92,000 | $175,000 | $105,000 | $228,000 |
| FHA-insured (Federal Housing Administration) | 4 | $790,000 | $197,000 | $325,000 | $71,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $360,000 | $90,000 | $135,000 | $50,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 4 | $460,000 | $115,000 | $115,000 | $43,000 | $45,000 |
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 | 14 | $1,600,000 | $114,000 | $325,000 | $84,000 | $228,000 |
| Application Denied By Financial Institution | 11 | $875,000 | $79,000 | $155,000 | $98,000 | $203,000 |
| Application Withdrawn By Applicant | 5 | $445,000 | $89,000 | $125,000 | $106,000 | $188,000 |
| File Closed For Incompleteness | 3 | $595,000 | $198,000 | $325,000 | $73,000 | $180,000 |
| Loan Purchased By The Institution | 2 | $230,000 | $115,000 | $115,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 21 | $2,695,000 | $128,000 | $325,000 | $85,000 | $228,000 |
| Credit History | 5 | $495,000 | $99,000 | $155,000 | $88,000 | $170,000 |
| Debt-To-Income Ratio | 5 | $305,000 | $61,000 | $85,000 | $114,000 | $144,000 |
| Collateral | 3 | $205,000 | $68,000 | $115,000 | $119,000 | $203,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $44,000 | $44,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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