Smith County, KS Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 35 mortgage applications in Smith County, KS totaling $3.0 million, up 67% from 2012. The average application was for $85,000, and applicants reported an average income of $82,000. 43% of applications resulted in an originated loan and 23% were denied. The most active lender was Sunflower Bank, N.A., with 4 applications, followed by Golden Plains Credit Union and Wells Fargo Bank NA.
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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 | 35 |
| Total Mortgage Loan Application Amount | $2,975,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $318,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,754,705,000 | 4 | $ 574,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 396,461,000 | 3 | $ 165,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 3 | $ 141,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 350,904,000 | 2 | $ 135,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 2 | $ 103,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 63,343,359,000 | 2 | $ 49,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 2 | $ 420,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 889,173,000 | 2 | $ 61,000 |
| Horizon Bank 10841 N 142ND STREET WAVERLY, NE 68462 |
* | $ 201,974,000 | 1 | $ 17,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 176,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 1 | $ 72,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 14,689,863,000 | 1 | $ 219,000 |
| Educational Credit Union 2808 SW ARROWHEAD RD TOPEKA, KS 66614 |
* | $ 175,017,000 | 1 | $ 36,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 60,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 1 | $ 43,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 1 | $ 60,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 1 | $ 176,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 51,000 |
The tables below break down 2013 mortgage applications in Smith 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 Smith County, KS in 2013
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 | 19 | $1,644,000 | $86,000 | $250,000 | $77,000 | $236,000 |
| Refinancing | 14 | $1,271,000 | $90,000 | $219,000 | $91,000 | $318,000 |
| Home Improvement | 2 | $60,000 | $30,000 | $36,000 | $60,000 | $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 | 29 | $2,466,000 | $85,000 | $250,000 | $88,000 | $318,000 |
| Not applicable | 3 | $253,000 | $84,000 | $176,000 | $41,000 | $124,000 |
| Not Provided | 3 | $256,000 | $85,000 | $170,000 | $59,000 | $74,000 |
| 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 |
| Hispanic | 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 24 | $2,333,000 | $97,000 | $250,000 | $101,000 | $318,000 |
| FHA-insured (Federal Housing Administration) | 6 | $361,000 | $60,000 | $74,000 | $37,000 | $91,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $195,000 | $65,000 | $84,000 | $42,000 | $46,000 |
| VA-guaranteed (Veterans Administration) | 2 | $86,000 | $43,000 | $43,000 | $40,000 | $40,000 |
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 | 15 | $1,059,000 | $70,000 | $219,000 | $99,000 | $318,000 |
| Application Denied By Financial Institution | 8 | $980,000 | $122,000 | $250,000 | $87,000 | $145,000 |
| Application Approved But Not Accepted | 4 | $169,000 | $42,000 | $52,000 | $56,000 | $91,000 |
| Loan Purchased By The Institution | 4 | $348,000 | $87,000 | $176,000 | $49,000 | $124,000 |
| Application Withdrawn By Applicant | 3 | $249,000 | $83,000 | $114,000 | $60,000 | $90,000 |
| File Closed For Incompleteness | 1 | $170,000 | $170,000 | $170,000 | $74,000 | $74,000 |
| 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 | 3 | $522,000 | $174,000 | $174,000 | $133,000 | $145,000 |
| Credit Application Incomplete | 2 | $132,000 | $66,000 | $72,000 | $54,000 | $73,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $76,000 | $76,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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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