Scott County, KS Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 51 mortgage applications in Scott County, KS totaling $6.8 million, down 24% from 2019. The average application was for $132,000, and applicants reported an average income of $77,000. 65% of applications resulted in an originated loan and 12% were denied. The most active lender was Golden Plains Credit Union, with 16 applications, followed by New Day Financial, Llc. and Landmark National Bank.
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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 | 51 |
| Total Mortgage Loan Application Amount | $6,755,000 |
| Average Mortgage Loan Application Amount | $132,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $429,000 |
| 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 |
* | $ 674,892,000 | 16 | $ 2,080,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 365,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 995,323,000 | 3 | $ 325,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 220,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 120,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 2 | $ 140,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 2 | $ 160,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 155,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 255,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 1 | $ 305,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 165,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 95,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 1 | $ 55,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 839,145,000 | 1 | $ 215,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 155,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 947,909,000 | 1 | $ 205,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2020 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 2020
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 | 25 | $3,385,000 | $135,000 | $355,000 | $65,000 | $142,000 |
| Home Purchase | 17 | $2,415,000 | $142,000 | $255,000 | $72,000 | $125,000 |
| Cash-out Refinancing | 6 | $560,000 | $93,000 | $165,000 | $72,000 | $128,000 |
| Not Applicable | 2 | $90,000 | $45,000 | $55,000 | $0 | $0 |
| Home Improvement | 1 | $305,000 | $305,000 | $305,000 | $429,000 | $429,000 |
| Other Purpose | 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 | 36 | $5,340,000 | $148,000 | $355,000 | $83,000 | $429,000 |
| Hispanic | 6 | $530,000 | $88,000 | $125,000 | $58,000 | $81,000 |
| Not Provided | 5 | $535,000 | $107,000 | $145,000 | $63,000 | $128,000 |
| Not applicable | 4 | $350,000 | $87,000 | $155,000 | $0 | $0 |
| 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) | 32 | $4,060,000 | $126,000 | $305,000 | $84,000 | $429,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,465,000 | $133,000 | $255,000 | $52,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,070,000 | $178,000 | $355,000 | $90,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $160,000 | $80,000 | $105,000 | $48,000 | $48,000 |
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 | 33 | $4,925,000 | $149,000 | $355,000 | $83,000 | $429,000 |
| Application Withdrawn By Applicant | 7 | $775,000 | $110,000 | $135,000 | $47,000 | $116,000 |
| Application Denied By Financial Institution | 6 | $640,000 | $106,000 | $155,000 | $75,000 | $124,000 |
| Loan Purchased By The Institution | 4 | $350,000 | $87,000 | $155,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 45 | $6,115,000 | $135,000 | $355,000 | $78,000 | $429,000 |
| Credit Application Incomplete | 2 | $250,000 | $125,000 | $135,000 | $72,000 | $90,000 |
| Credit History | 2 | $200,000 | $100,000 | $155,000 | $89,000 | $124,000 |
| Collateral | 1 | $95,000 | $95,000 | $95,000 | $83,000 | $83,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $45,000 | $45,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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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