Sherman County, KS Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 137 mortgage applications in Sherman County, KS totaling $10.8 million, about the same as 2010. The average application was for $78,000, and applicants reported an average income of $60,000. 47% of applications resulted in an originated loan and 26% were denied. The most active lender was Fnb Bank, with 51 applications, followed by Wells Fargo Bank NA and Embrace Home Loans, 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 | 137 |
| Total Mortgage Loan Application Amount | $10,822,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $390,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $900,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Fnb Bank 202 E 11TH GOODLAND, KS 67735 |
* | $ 239,975,000 | 51 | $ 4,137,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 19 | $ 1,337,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 702,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 7 | $ 568,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 5 | $ 271,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 5 | $ 443,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 3 | $ 183,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 237,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 295,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 142,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 114,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 385,490,000 | 2 | $ 205,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,466,563,000 | 2 | $ 305,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 59,517,025,000 | 2 | $ 99,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 56,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,166,000 | 1 | $ 24,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 180,751,000 | 1 | $ 45,000 |
| The Eastern Colorado Bank PO BOX 888 CHEYENNE WELLS, CO 80810 |
* | $ 214,542,000 | 1 | $ 15,000 |
| Equitable Savings & Loan Assoc PO BOX 1726 STERLING, CO 80751 |
* | $ 178,175,000 | 1 | $ 113,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 56,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 75,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 69,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 11,516,509,000 | 1 | $ 50,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 55,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 1 | $ 122,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 73,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 238,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 41,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,694,138,000 | 1 | $ 10,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 72,000 |
The tables below break down 2011 mortgage applications in Sherman 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 Sherman County, KS in 2011
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 | 72 | $5,722,000 | $79,000 | $240,000 | $49,000 | $186,000 |
| Refinancing | 58 | $4,894,000 | $84,000 | $390,000 | $75,000 | $900,000 |
| Home Improvement | 7 | $206,000 | $29,000 | $56,000 | $44,000 | $91,000 |
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 | 102 | $8,355,000 | $81,000 | $390,000 | $69,000 | $900,000 |
| Hispanic | 14 | $724,000 | $51,000 | $114,000 | $36,000 | $71,000 |
| Not Provided | 13 | $961,000 | $73,000 | $185,000 | $43,000 | $78,000 |
| Not applicable | 6 | $642,000 | $107,000 | $350,000 | $0 | $0 |
| Asian | 2 | $140,000 | $70,000 | $70,000 | $48,000 | $48,000 |
| Black or African American | 0 | $0 | $0 | $0 | $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 |
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) | 87 | $6,788,000 | $78,000 | $390,000 | $69,000 | $900,000 |
| FHA-insured (Federal Housing Administration) | 31 | $2,307,000 | $74,000 | $185,000 | $49,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,079,000 | $89,000 | $155,000 | $42,000 | $186,000 |
| VA-guaranteed (Veterans Administration) | 7 | $648,000 | $92,000 | $238,000 | $27,000 | $51,000 |
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 | 65 | $5,585,000 | $85,000 | $390,000 | $64,000 | $213,000 |
| Application Denied By Financial Institution | 36 | $2,593,000 | $72,000 | $238,000 | $53,000 | $186,000 |
| Loan Purchased By The Institution | 16 | $1,163,000 | $72,000 | $155,000 | $29,000 | $88,000 |
| Application Withdrawn By Applicant | 15 | $1,133,000 | $75,000 | $150,000 | $100,000 | $900,000 |
| Application Approved But Not Accepted | 3 | $165,000 | $55,000 | $92,000 | $25,000 | $48,000 |
| File Closed For Incompleteness | 2 | $183,000 | $91,000 | $123,000 | $51,000 | $78,000 |
| 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 | 14 | $648,000 | $46,000 | $100,000 | $55,000 | $186,000 |
| Debt-To-Income Ratio | 6 | $482,000 | $80,000 | $238,000 | $47,000 | $132,000 |
| Collateral | 5 | $544,000 | $108,000 | $185,000 | $58,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $210,000 | $70,000 | $79,000 | $32,000 | $40,000 |
| Other | 1 | $87,000 | $87,000 | $87,000 | $49,000 | $49,000 |
| Unverifiable Information | 1 | $63,000 | $63,000 | $63,000 | $53,000 | $53,000 |
| Employment History | 1 | $27,000 | $27,000 | $27,000 | $14,000 | $14,000 |
| Credit Application Incomplete | 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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