Republic County, KS Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 66 mortgage applications in Republic County, KS totaling $9.3 million, up 35% from 2015. The average application was for $140,000, and applicants reported an average income of $66,000. 58% of applications resulted in an originated loan and 23% were denied. The most active lender was The Citizens National Bank, with 16 applications, followed by The Bennington State Bank and United Bank & Trust.
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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 | 66 |
| Total Mortgage Loan Application Amount | $9,296,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $2,319,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $425,000 |
| 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 |
* | $ 170,485,000 | 16 | $ 1,296,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 701,314,000 | 7 | $ 2,824,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 585,828,000 | 3 | $ 1,711,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 268,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 3 | $ 158,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 108,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 938,105,000 | 3 | $ 54,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 2 | $ 121,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 2 | $ 151,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 24,483,687,000 | 2 | $ 166,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 2,957,377,000 | 1 | $ 23,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 1 | $ 264,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 35,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 21,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 94,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 55,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 270,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 1 | $ 89,000 |
| Severn Savings Bank, FSB dba Severn Bank 200 WESTGATE CIRCLE SUITE 200 ANNAPOLIS, MD 21401 |
* | $ 758,758,000 | 1 | $ 270,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 435,793,000 | 1 | $ 72,000 |
| Western National Bank 401 MAIN STREET SUMMERFIELD, KS 66541 |
* | $ 79,062,000 | 1 | $ 343,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 129,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 90,000 |
The tables below break down 2016 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 2016
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 |
|---|---|---|---|---|---|---|
| Refinancing | 31 | $6,933,000 | $223,000 | $2,319,000 | $56,000 | $321,000 |
| Home Purchase | 26 | $1,918,000 | $73,000 | $319,000 | $64,000 | $393,000 |
| Home Improvement | 9 | $445,000 | $49,000 | $129,000 | $108,000 | $425,000 |
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 | 51 | $8,272,000 | $162,000 | $2,319,000 | $68,000 | $393,000 |
| Not Provided | 6 | $257,000 | $42,000 | $90,000 | $61,000 | $128,000 |
| Not applicable | 5 | $449,000 | $89,000 | $270,000 | $0 | $0 |
| Hispanic | 4 | $318,000 | $79,000 | $120,000 | $132,000 | $425,000 |
| Native Hawaiin 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) | 40 | $6,975,000 | $174,000 | $2,319,000 | $85,000 | $425,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,546,000 | $128,000 | $270,000 | $42,000 | $77,000 |
| FHA-insured (Federal Housing Administration) | 9 | $500,000 | $55,000 | $120,000 | $37,000 | $84,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $275,000 | $55,000 | $80,000 | $22,000 | $40,000 |
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 | 38 | $7,122,000 | $187,000 | $2,319,000 | $61,000 | $321,000 |
| Application Denied By Financial Institution | 15 | $1,117,000 | $74,000 | $319,000 | $97,000 | $425,000 |
| Application Withdrawn By Applicant | 5 | $208,000 | $41,000 | $94,000 | $51,000 | $91,000 |
| Loan Purchased By The Institution | 4 | $428,000 | $107,000 | $270,000 | $6,000 | $26,000 |
| Application Approved But Not Accepted | 3 | $295,000 | $98,000 | $129,000 | $66,000 | $98,000 |
| File Closed For Incompleteness | 1 | $126,000 | $126,000 | $126,000 | $124,000 | $124,000 |
| 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 | 3 | $110,000 | $36,000 | $70,000 | $64,000 | $114,000 |
| Debt-To-Income Ratio | 2 | $98,000 | $49,000 | $93,000 | $228,000 | $425,000 |
| Credit Application Incomplete | 2 | $159,000 | $79,000 | $108,000 | $41,000 | $51,000 |
| Collateral | 1 | $39,000 | $39,000 | $39,000 | $68,000 | $68,000 |
| Other | 1 | $21,000 | $21,000 | $21,000 | $84,000 | $84,000 |
| 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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