Seward County, KS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 312 mortgage applications in Seward County, KS totaling $42.7 million, down 29% from 2022. The average application was for $136,000, and applicants reported an average income of $87,000. 53% of applications resulted in an originated loan and 14% were denied. The most active lender was CMG Mortgage Inc, with 46 applications, followed by Golden Plains Credit Union and Paramount Residential Mortgage.
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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 | 312 |
| Total Mortgage Loan Application Amount | $42,720,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $524,000 |
Top Mortgage Lenders in Seward County, KS (2023)
Ranked by the number of mortgage applications each lender reported in Seward County, KS in 2023.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | CMG Mortgage Inc San Ramon, IL |
46 | $6,820,000 | $148,000 | $64,000 |
| 2 | Golden Plains Credit Union Garden City, KS |
42 | $3,590,000 | $85,000 | $91,000 |
| 3 | Paramount Residential Mortgage Corona, CA |
40 | $7,270,000 | $181,000 | $88,000 |
| 4 | Equity Bank Wichita, KS |
24 | $2,180,000 | $90,000 | $93,000 |
| 5 | PennyMac Loan Services LLC Westlake Village, CA |
21 | $3,885,000 | $185,000 | $62,000 |
| 6 | United Wholesale Mortgage Plymouth, MI |
15 | $2,365,000 | $157,000 | $96,000 |
| 7 | Newrez LLC Fort Washington, PA |
7 | $805,000 | $115,000 | $47,000 |
| 8 | Freedom Mortgage Corporation Boca Raton, FL |
7 | $865,000 | $123,000 | $83,000 |
| 9 | Discover Bank Greenwood, DE |
6 | $800,000 | $133,000 | $197,000 |
| 10 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
6 | $770,000 | $128,000 | $59,000 |
The tables below break down 2023 mortgage applications in Seward 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 Seward County, KS in 2023
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 | 202 | $32,160,000 | $159,000 | $415,000 | $76,000 | $291,000 |
| Cash-out Refinancing | 55 | $6,115,000 | $111,000 | $285,000 | $94,000 | $200,000 |
| Other Purpose | 20 | $1,470,000 | $73,000 | $285,000 | $109,000 | $524,000 |
| Home Improvement | 18 | $880,000 | $48,000 | $305,000 | $131,000 | $400,000 |
| Refinancing | 15 | $1,975,000 | $131,000 | $505,000 | $100,000 | $316,000 |
| Not Applicable | 2 | $120,000 | $60,000 | $65,000 | $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 |
|---|---|---|---|---|---|---|
| Hispanic | 153 | $20,585,000 | $134,000 | $345,000 | $82,000 | $400,000 |
| White | 89 | $11,075,000 | $124,000 | $415,000 | $94,000 | $300,000 |
| Not applicable | 40 | $7,200,000 | $180,000 | $505,000 | $0 | $0 |
| Not Provided | 19 | $2,475,000 | $130,000 | $285,000 | $95,000 | $524,000 |
| Black or African American | 7 | $745,000 | $106,000 | $205,000 | $84,000 | $100,000 |
| Asian | 2 | $300,000 | $150,000 | $155,000 | $59,000 | $72,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 142 | $23,150,000 | $163,000 | $345,000 | $76,000 | $291,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 140 | $14,970,000 | $106,000 | $505,000 | $99,000 | $524,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $3,735,000 | $149,000 | $215,000 | $67,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 5 | $865,000 | $173,000 | $215,000 | $63,000 | $85,000 |
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 | 164 | $21,960,000 | $133,000 | $505,000 | $86,000 | $300,000 |
| Application Denied By Financial Institution | 43 | $5,535,000 | $128,000 | $325,000 | $86,000 | $400,000 |
| Loan Purchased By The Institution | 38 | $6,590,000 | $173,000 | $345,000 | $0 | $0 |
| Application Withdrawn By Applicant | 33 | $4,175,000 | $126,000 | $345,000 | $77,000 | $168,000 |
| File Closed For Incompleteness | 18 | $2,140,000 | $118,000 | $245,000 | $93,000 | $200,000 |
| Application Approved But Not Accepted | 14 | $1,910,000 | $136,000 | $225,000 | $107,000 | $524,000 |
| Preapproval Approved but not Accepted | 1 | $305,000 | $305,000 | $305,000 | $132,000 | $132,000 |
| Preapproval Denied by Financial Institution | 1 | $105,000 | $105,000 | $105,000 | $38,000 | $38,000 |
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 | 268 | $37,080,000 | $138,000 | $505,000 | $87,000 | $524,000 |
| Collateral | 13 | $1,425,000 | $109,000 | $235,000 | $101,000 | $260,000 |
| Credit History | 10 | $1,350,000 | $135,000 | $305,000 | $94,000 | $316,000 |
| Debt-To-Income Ratio | 9 | $1,565,000 | $173,000 | $325,000 | $36,000 | $61,000 |
| Credit Application Incomplete | 4 | $610,000 | $152,000 | $305,000 | $162,000 | $400,000 |
| Unverifiable Information | 4 | $320,000 | $80,000 | $125,000 | $56,000 | $85,000 |
| Other | 2 | $280,000 | $140,000 | $145,000 | $75,000 | $77,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $60,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $80,000 | $80,000 |
| 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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