Scott County, KS Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 67 mortgage applications in Scott County, KS totaling $7.4 million, up 16% from 2018. The average application was for $110,000, and applicants reported an average income of $62,000. 60% of applications resulted in an originated loan and 15% were denied. The most active lender was Golden Plains Credit Union, with 9 applications, followed by Discover Bank and Primary Residential Mortgage, Inc..
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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 | 67 |
| Total Mortgage Loan Application Amount | $7,375,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $161,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 657,261,000 | 9 | $ 915,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 5 | $ 315,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 3 | $ 505,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 425,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 3 | $ 555,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 410,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 699,960,000 | 2 | $ 50,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 2 | $ 110,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 250,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 330,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 2 | $ 60,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 45,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 55,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 95,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 65,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 85,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 3,855,606,000 | 1 | $ 55,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 155,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 195,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 780,385,000 | 1 | $ 125,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 85,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 982,703,000 | 1 | $ 235,000 |
| Bankunited, National Association 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 32,077,582,000 | 1 | $ 55,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 1 | $ 295,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 1 | $ 225,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 966,018,000 | 1 | $ 125,000 |
The tables below break down 2019 mortgage applications in Scott 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 Scott County, KS in 2019
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 | 40 | $5,070,000 | $126,000 | $295,000 | $64,000 | $161,000 |
| Cash-out Refinancing | 14 | $1,240,000 | $88,000 | $145,000 | $62,000 | $105,000 |
| Other Purpose | 5 | $285,000 | $57,000 | $85,000 | $64,000 | $89,000 |
| Refinancing | 5 | $615,000 | $123,000 | $255,000 | $57,000 | $76,000 |
| Not Applicable | 2 | $140,000 | $70,000 | $85,000 | $0 | $0 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $29,000 | $29,000 |
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 | 46 | $4,860,000 | $105,000 | $295,000 | $61,000 | $161,000 |
| Not Provided | 11 | $1,405,000 | $127,000 | $285,000 | $65,000 | $141,000 |
| Not applicable | 5 | $475,000 | $95,000 | $195,000 | $0 | $0 |
| Hispanic | 5 | $635,000 | $127,000 | $195,000 | $63,000 | $72,000 |
| 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 | $3,575,000 | $96,000 | $255,000 | $62,000 | $108,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,105,000 | $110,000 | $295,000 | $57,000 | $161,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,340,000 | $167,000 | $285,000 | $82,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $355,000 | $118,000 | $145,000 | $45,000 | $57,000 |
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 | 40 | $5,010,000 | $125,000 | $295,000 | $64,000 | $161,000 |
| Application Denied By Financial Institution | 10 | $610,000 | $61,000 | $115,000 | $58,000 | $89,000 |
| Application Withdrawn By Applicant | 7 | $685,000 | $97,000 | $205,000 | $49,000 | $78,000 |
| Loan Purchased By The Institution | 6 | $770,000 | $128,000 | $295,000 | $21,000 | $21,000 |
| Preapproval Approved but not Accepted | 2 | $80,000 | $40,000 | $65,000 | $85,000 | $107,000 |
| File Closed For Incompleteness | 2 | $220,000 | $110,000 | $155,000 | $83,000 | $106,000 |
| Application 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 |
|---|---|---|---|---|---|---|
| Not applicable | 56 | $6,740,000 | $120,000 | $295,000 | $63,000 | $161,000 |
| Collateral | 3 | $185,000 | $61,000 | $95,000 | $47,000 | $61,000 |
| Debt-To-Income Ratio | 3 | $125,000 | $41,000 | $75,000 | $41,000 | $53,000 |
| Unverifiable Information | 3 | $225,000 | $75,000 | $115,000 | $84,000 | $89,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $63,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $49,000 | $49,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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