Republic County, KS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 73 mortgage applications in Republic County, KS totaling $8.0 million, up 24% from 2024. The average application was for $108,000, and applicants reported an average income of $83,000. 60% of applications resulted in an originated loan and 14% were denied. The most active lender was New Century Bank, with 9 applications, followed by Figure Lending LLC and Mortgage Investment Services Corporation.
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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 | 73 |
| Total Mortgage Loan Application Amount | $7,955,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $303,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| New Century Bank 1211 28TH ST BELLEVILLE, KS 66935 |
* | $ n/a | 9 | $ 935,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 5 | $ 275,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 4 | $ 280,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ n/a | 4 | $ 480,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ n/a | 4 | $ 360,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 560,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 145,000 |
| The Citizens National Bank 417 COMMERCIAL STREET GREENLEAF, KS 66943 |
* | $ n/a | 3 | $ 95,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 3 | $ 215,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 2 | $ 380,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ n/a | 2 | $ 260,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 110,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 240,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ n/a | 2 | $ 70,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 375,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 155,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ n/a | 1 | $ 455,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ n/a | 1 | $ 155,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 65,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 55,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 55,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 185,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 105,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 115,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 225,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 105,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 135,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 135,000 |
The tables below break down 2025 mortgage applications in Republic 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 Republic 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 | 39 | $4,415,000 | $113,000 | $375,000 | $87,000 | $303,000 |
| Cash-out Refinancing | 16 | $1,740,000 | $108,000 | $255,000 | $63,000 | $133,000 |
| Other Purpose | 8 | $440,000 | $55,000 | $95,000 | $70,000 | $192,000 |
| Refinancing | 5 | $975,000 | $195,000 | $455,000 | $101,000 | $140,000 |
| Home Improvement | 5 | $385,000 | $77,000 | $195,000 | $121,000 | $269,000 |
| 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 | 57 | $6,155,000 | $107,000 | $455,000 | $84,000 | $293,000 |
| Not Provided | 7 | $915,000 | $130,000 | $375,000 | $51,000 | $126,000 |
| Not applicable | 5 | $515,000 | $103,000 | $185,000 | $0 | $0 |
| Hispanic | 2 | $90,000 | $45,000 | $75,000 | $178,000 | $303,000 |
| American Indian or Alaskan Native | 1 | $185,000 | $185,000 | $185,000 | $90,000 | $90,000 |
| Black or African American | 1 | $95,000 | $95,000 | $95,000 | $23,000 | $23,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 55 | $6,055,000 | $110,000 | $455,000 | $89,000 | $303,000 |
| FHA-insured (Federal Housing Administration) | 9 | $625,000 | $69,000 | $115,000 | $45,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,000,000 | $166,000 | $185,000 | $83,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $275,000 | $91,000 | $95,000 | $53,000 | $87,000 |
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 | 44 | $5,190,000 | $117,000 | $455,000 | $90,000 | $293,000 |
| Application Denied By Financial Institution | 10 | $820,000 | $82,000 | $225,000 | $42,000 | $101,000 |
| Application Withdrawn By Applicant | 8 | $960,000 | $120,000 | $375,000 | $42,000 | $126,000 |
| Loan Purchased By The Institution | 5 | $515,000 | $103,000 | $185,000 | $0 | $0 |
| Application Approved But Not Accepted | 3 | $315,000 | $105,000 | $195,000 | $143,000 | $303,000 |
| File Closed For Incompleteness | 2 | $90,000 | $45,000 | $55,000 | $162,000 | $192,000 |
| Preapproval Approved but not Accepted | 1 | $65,000 | $65,000 | $65,000 | $89,000 | $89,000 |
| 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 | 46 | $5,360,000 | $116,000 | $455,000 | $91,000 | $293,000 |
| Debt-To-Income Ratio | 20 | $2,080,000 | $104,000 | $325,000 | $77,000 | $303,000 |
| Collateral | 2 | $120,000 | $60,000 | $75,000 | $62,000 | $82,000 |
| Credit Application Incomplete | 2 | $80,000 | $40,000 | $45,000 | $0 | $0 |
| Credit History | 2 | $260,000 | $130,000 | $175,000 | $70,000 | $100,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Unverifiable Information | 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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