Russell County, KS Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 171 mortgage applications in Russell County, KS totaling $76.4 million, up 6% from 2015. The average application was for $446,000, and applicants reported an average income of $56,000. 55% of applications resulted in an originated loan and 19% were denied. The most active lender was The Bennington State Bank, with 27 applications, followed by UMB Bank NA and Sunflower Bank, N.A..
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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 | 171 |
| Total Mortgage Loan Application Amount | $76,388,000 |
| Average Mortgage Loan Application Amount | $446,000 |
| Highest Mortgage Loan Application Amount | $48,000,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $404,000 |
Top Mortgage Lenders in Russell County, KS (2016)
Ranked by the number of mortgage applications each lender reported in Russell County, KS in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | The Bennington State Bank Salina, KS |
27 | $62,071,000 | $2,298,000 | $49,000 |
| 2 | UMB Bank NA Kansas City, MO |
25 | $3,012,000 | $120,000 | $63,000 |
| 3 | Sunflower Bank, N.A. Dallas, TX |
13 | $941,000 | $72,000 | $60,000 |
| 4 | Equity Bank Wichita, KS |
12 | $1,036,000 | $86,000 | $80,000 |
| 5 | loanDepot.com LLC Irvine, CA |
8 | $804,000 | $100,000 | $72,000 |
| 6 | Wells Fargo Bank NA Minneapolis, MN |
6 | $583,000 | $97,000 | $50,000 |
| 7 | Mortgage Investment Services Corporation Shawnee, KS |
6 | $675,000 | $112,000 | $76,000 |
| 8 | Stonegate Mortgage Corporation Indianapolis, IN |
5 | $561,000 | $112,000 | $64,000 |
| 9 | Golden Plains Credit Union Garden City, KS |
5 | $462,000 | $92,000 | $97,000 |
| 10 | Truist Bank Raleigh, NC |
4 | $432,000 | $108,000 | $0 |
The tables below break down 2016 mortgage applications in Russell 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 Russell 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 92 | $8,767,000 | $95,000 | $240,000 | $50,000 | $221,000 |
| Refinancing | 66 | $67,379,000 | $1,020,000 | $48,000,000 | $67,000 | $404,000 |
| Home Improvement | 13 | $242,000 | $18,000 | $67,000 | $52,000 | $97,000 |
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 | 130 | $72,446,000 | $557,000 | $48,000,000 | $62,000 | $221,000 |
| Not applicable | 25 | $2,575,000 | $103,000 | $190,000 | $18,000 | $111,000 |
| Not Provided | 14 | $1,245,000 | $88,000 | $163,000 | $77,000 | $404,000 |
| Hispanic | 2 | $122,000 | $61,000 | $94,000 | $34,000 | $47,000 |
| 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) | 105 | $70,060,000 | $667,000 | $48,000,000 | $61,000 | $404,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $2,366,000 | $81,000 | $148,000 | $42,000 | $71,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,046,000 | $102,000 | $161,000 | $52,000 | $155,000 |
| VA-guaranteed (Veterans Administration) | 17 | $1,916,000 | $112,000 | $183,000 | $55,000 | $124,000 |
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 | 94 | $68,580,000 | $729,000 | $48,000,000 | $66,000 | $404,000 |
| Application Denied By Financial Institution | 33 | $2,681,000 | $81,000 | $298,000 | $47,000 | $158,000 |
| Loan Purchased By The Institution | 31 | $3,541,000 | $114,000 | $322,000 | $26,000 | $111,000 |
| Application Withdrawn By Applicant | 10 | $1,299,000 | $129,000 | $260,000 | $93,000 | $194,000 |
| Application Approved But Not Accepted | 2 | $241,000 | $120,000 | $161,000 | $86,000 | $139,000 |
| File Closed For Incompleteness | 1 | $46,000 | $46,000 | $46,000 | $28,000 | $28,000 |
| 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 | 6 | $220,000 | $36,000 | $93,000 | $46,000 | $71,000 |
| Debt-To-Income Ratio | 5 | $233,000 | $46,000 | $100,000 | $24,000 | $33,000 |
| Collateral | 3 | $506,000 | $168,000 | $298,000 | $37,000 | $58,000 |
| 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 |
| 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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