Republic County, KS Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 49 mortgage applications in Republic County, KS totaling $4.2 million, up 2% from 2014. The average application was for $86,000, and applicants reported an average income of $67,000. 65% of applications resulted in an originated loan and 18% were denied. The most active lender was The Citizens National Bank, with 11 applications, followed by The Bennington State Bank and Wells Fargo Bank NA.
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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 | 49 |
| Total Mortgage Loan Application Amount | $4,221,000 |
| Average Mortgage Loan Application Amount | $86,000 |
| Highest Mortgage Loan Application Amount | $727,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $362,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The Citizens National Bank 417 COMMERCIAL, P.O. BOX 309 GREENLEAF, KS 66943 |
* | $ 164,689,000 | 11 | $ 689,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 562,548,000 | 6 | $ 366,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 3 | $ 246,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 589,881,000 | 3 | $ 871,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 2 | $ 164,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 23,881,169,000 | 2 | $ 224,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 154,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 583,337,000 | 2 | $ 78,000 |
| Peoples Choice Mortgage, LLC 4805 VUE DU LAC PL SUITE 105 MANHATTAN, KS 66503 |
* | $ 66,400,000 | 1 | $ 64,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 1,178,230,000 | 1 | $ 40,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 397,763,000 | 1 | $ 94,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 106,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 41,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 83,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 243,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 1 | $ 75,000 |
| Denison State Bank 421 NEW YORK AVENUE HOLTON, KS 66436 |
* | $ 300,066,000 | 1 | $ 94,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 890,389,000 | 1 | $ 9,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 1 | $ 107,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 36,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 52,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 57,000 |
The tables below break down 2015 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 2015
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 | 24 | $1,651,000 | $68,000 | $243,000 | $64,000 | $292,000 |
| Refinancing | 22 | $2,476,000 | $112,000 | $727,000 | $72,000 | $362,000 |
| Home Improvement | 3 | $94,000 | $31,000 | $39,000 | $59,000 | $68,000 |
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 | 43 | $3,763,000 | $87,000 | $727,000 | $72,000 | $362,000 |
| Not applicable | 3 | $288,000 | $96,000 | $144,000 | $0 | $0 |
| Not Provided | 2 | $124,000 | $62,000 | $80,000 | $67,000 | $78,000 |
| Hispanic | 1 | $46,000 | $46,000 | $46,000 | $70,000 | $70,000 |
| 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) | 37 | $3,215,000 | $86,000 | $727,000 | $76,000 | $362,000 |
| FHA-insured (Federal Housing Administration) | 5 | $365,000 | $73,000 | $107,000 | $15,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 4 | $472,000 | $118,000 | $243,000 | $70,000 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $169,000 | $56,000 | $75,000 | $39,000 | $56,000 |
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 | 32 | $3,091,000 | $96,000 | $727,000 | $78,000 | $362,000 |
| Application Denied By Financial Institution | 9 | $547,000 | $60,000 | $100,000 | $45,000 | $83,000 |
| Application Withdrawn By Applicant | 3 | $238,000 | $79,000 | $106,000 | $53,000 | $91,000 |
| File Closed For Incompleteness | 3 | $206,000 | $68,000 | $86,000 | $71,000 | $73,000 |
| Application Approved But Not Accepted | 1 | $75,000 | $75,000 | $75,000 | $37,000 | $37,000 |
| Loan Purchased By The Institution | 1 | $64,000 | $64,000 | $64,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 2 | $144,000 | $72,000 | $100,000 | $69,000 | $83,000 |
| Debt-To-Income Ratio | 2 | $143,000 | $71,000 | $80,000 | $55,000 | $78,000 |
| Credit Application Incomplete | 1 | $72,000 | $72,000 | $72,000 | $22,000 | $22,000 |
| Credit History | 1 | $36,000 | $36,000 | $36,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $59,000 | $59,000 |
| Other | 1 | $9,000 | $9,000 | $9,000 | $21,000 | $21,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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