Sherman County, KS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 88 mortgage applications in Sherman County, KS totaling $11.1 million, down 45% from 2022. The average application was for $125,000, and applicants reported an average income of $70,000. 53% of applications resulted in an originated loan and 22% were denied. The most active lender was US Bank, N.A., with 6 applications, followed by loanDepot.com LLC and Outdoor 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 | 88 |
| Total Mortgage Loan Application Amount | $11,060,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $200,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 6 | $ 310,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 685,000 |
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ 439,956,000 | 5 | $ 765,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 5 | $ 605,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 510,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 725,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 525,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 942,923,000 | 3 | $ 345,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 310,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 320,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 260,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 150,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 220,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 1,287,359,000 | 2 | $ 80,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 240,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 2 | $ 370,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 165,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 15,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 17,893,084,000 | 1 | $ 115,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 175,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 285,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 115,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 195,000 |
| Mnb Bank 220 NORRIS AVE MCCOOK, NE 69001 |
* | $ 554,424,000 | 1 | $ 295,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 47,596,192,000 | 1 | $ 15,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 225,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 1 | $ 45,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 1 | $ 65,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 85,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 65,000 |
| New Century Bank 1211 28TH ST BELLEVILLE, KS 66935 |
* | $ 54,829,000 | 1 | $ 285,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 225,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 7,415,263,000 | 1 | $ 245,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 91,580,361,000 | 1 | $ 125,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 215,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 125,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 35,000 |
| Frontier Bank PO BOX 988 LAMAR, CO 81052 |
* | $ 421,640,000 | 1 | $ 35,000 |
The tables below break down 2023 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 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 | 57 | $7,695,000 | $135,000 | $405,000 | $70,000 | $200,000 |
| Cash-out Refinancing | 14 | $1,650,000 | $117,000 | $175,000 | $69,000 | $129,000 |
| Home Improvement | 6 | $300,000 | $50,000 | $65,000 | $80,000 | $122,000 |
| Other Purpose | 6 | $360,000 | $60,000 | $165,000 | $70,000 | $120,000 |
| Refinancing | 5 | $1,055,000 | $211,000 | $545,000 | $65,000 | $141,000 |
| 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 | 56 | $7,480,000 | $133,000 | $545,000 | $73,000 | $200,000 |
| Not Provided | 14 | $1,630,000 | $116,000 | $225,000 | $63,000 | $121,000 |
| Not applicable | 8 | $1,140,000 | $142,000 | $245,000 | $0 | $0 |
| Hispanic | 8 | $640,000 | $80,000 | $195,000 | $51,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $95,000 | $95,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $108,000 | $108,000 |
| 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) | 47 | $5,645,000 | $120,000 | $545,000 | $75,000 | $151,000 |
| FHA-insured (Federal Housing Administration) | 27 | $3,465,000 | $128,000 | $245,000 | $57,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,650,000 | $165,000 | $405,000 | $88,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $300,000 | $75,000 | $85,000 | $43,000 | $54,000 |
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 | 47 | $6,715,000 | $142,000 | $545,000 | $77,000 | $200,000 |
| Application Denied By Financial Institution | 19 | $1,725,000 | $90,000 | $195,000 | $57,000 | $122,000 |
| Application Withdrawn By Applicant | 10 | $1,060,000 | $106,000 | $175,000 | $73,000 | $121,000 |
| Loan Purchased By The Institution | 8 | $1,140,000 | $142,000 | $245,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 2 | $240,000 | $120,000 | $125,000 | $35,000 | $53,000 |
| Application Approved But Not Accepted | 1 | $15,000 | $15,000 | $15,000 | $44,000 | $44,000 |
| File Closed For Incompleteness | 1 | $165,000 | $165,000 | $165,000 | $78,000 | $78,000 |
| Preapproval Approved but not Accepted | 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 | 64 | $8,480,000 | $132,000 | $545,000 | $73,000 | $200,000 |
| Debt-To-Income Ratio | 9 | $1,305,000 | $145,000 | $295,000 | $61,000 | $143,000 |
| Collateral | 5 | $365,000 | $73,000 | $115,000 | $58,000 | $103,000 |
| Credit History | 5 | $285,000 | $57,000 | $65,000 | $81,000 | $122,000 |
| Credit Application Incomplete | 2 | $200,000 | $100,000 | $115,000 | $47,000 | $53,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $47,000 | $47,000 |
| Unverifiable Information | 1 | $175,000 | $175,000 | $175,000 | $75,000 | $75,000 |
| Employment History | 1 | $185,000 | $185,000 | $185,000 | $54,000 | $54,000 |
| 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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