Sheridan County, KS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 57 mortgage applications in Sheridan County, KS totaling $7.4 million, up 36% from 2024. The average application was for $130,000, and applicants reported an average income of $129,000. 53% of applications resulted in an originated loan and 12% were denied. The most active lender was Outdoor Bank, with 12 applications, followed by Equity Bank and Golden Plains Credit Union.
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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 | 57 |
| Total Mortgage Loan Application Amount | $7,435,000 |
| Average Mortgage Loan Application Amount | $130,000 |
| Highest Mortgage Loan Application Amount | $665,000 |
| Average Applicant Income | $129,000 |
| Highest Applicant Income | $978,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ n/a | 12 | $ 1,670,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ n/a | 11 | $ 1,375,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ n/a | 4 | $ 390,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 365,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 445,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 220,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 140,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 480,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 155,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 1 | $ 265,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ n/a | 1 | $ 385,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 105,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 105,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ n/a | 1 | $ 205,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 45,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 35,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 55,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 185,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 1 | $ 65,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ n/a | 1 | $ 305,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 95,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 95,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 95,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 65,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 65,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 25,000 |
The tables below break down 2025 mortgage applications in Sheridan 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 Sheridan County, KS in 2025
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 | 18 | $2,600,000 | $144,000 | $385,000 | $67,000 | $160,000 |
| Refinancing | 14 | $2,500,000 | $178,000 | $665,000 | $184,000 | $978,000 |
| Other Purpose | 12 | $950,000 | $79,000 | $185,000 | $142,000 | $800,000 |
| Home Improvement | 7 | $455,000 | $65,000 | $155,000 | $158,000 | $528,000 |
| Cash-out Refinancing | 6 | $930,000 | $155,000 | $305,000 | $121,000 | $360,000 |
| Not Applicable | 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 | 40 | $5,390,000 | $134,000 | $665,000 | $139,000 | $978,000 |
| Not Provided | 7 | $805,000 | $115,000 | $255,000 | $109,000 | $175,000 |
| Not applicable | 6 | $1,030,000 | $171,000 | $335,000 | $0 | $0 |
| Hispanic | 4 | $210,000 | $52,000 | $65,000 | $72,000 | $73,000 |
| 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) | 52 | $6,650,000 | $127,000 | $665,000 | $134,000 | $978,000 |
| FHA-insured (Federal Housing Administration) | 3 | $555,000 | $185,000 | $265,000 | $63,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 2 | $230,000 | $115,000 | $125,000 | $48,000 | $48,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 30 | $4,440,000 | $148,000 | $665,000 | $135,000 | $978,000 |
| Application Withdrawn By Applicant | 9 | $1,085,000 | $120,000 | $305,000 | $113,000 | $528,000 |
| Application Denied By Financial Institution | 7 | $925,000 | $132,000 | $265,000 | $68,000 | $169,000 |
| File Closed For Incompleteness | 5 | $435,000 | $87,000 | $125,000 | $294,000 | $800,000 |
| Application Approved But Not Accepted | 3 | $175,000 | $58,000 | $65,000 | $50,000 | $54,000 |
| Loan Purchased By The Institution | 3 | $375,000 | $125,000 | $185,000 | $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 | 50 | $6,510,000 | $130,000 | $665,000 | $139,000 | $978,000 |
| Collateral | 3 | $285,000 | $95,000 | $115,000 | $50,000 | $57,000 |
| Credit Application Incomplete | 2 | $290,000 | $145,000 | $185,000 | $114,000 | $169,000 |
| Credit History | 1 | $265,000 | $265,000 | $265,000 | $69,000 | $69,000 |
| Debt-To-Income Ratio | 1 | $85,000 | $85,000 | $85,000 | $31,000 | $31,000 |
| 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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