Smith County, KS Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 53 mortgage applications in Smith County, KS totaling $4.6 million, up 71% from 2020. The average application was for $87,000, and applicants reported an average income of $68,000. 53% of applications resulted in an originated loan and 13% were denied. The most active lender was Golden Plains Credit Union, with 9 applications, followed by Central National Bank and USAA Federal Savings Bank.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Kansas.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 53 |
| Total Mortgage Loan Application Amount | $4,645,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $215,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $390,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 674,892,000 | 9 | $ 815,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 947,909,000 | 4 | $ 130,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 3 | $ 395,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 285,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 70,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 260,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 2 | $ 90,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 4,172,729,000 | 1 | $ 45,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 15,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 85,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 85,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 65,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 5,333,783,000 | 1 | $ 55,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 3,946,120,000 | 1 | $ 95,000 |
| Mainstreet Federal Credit Union 13001 W 95TH STREET LENEXA, KS 66215 |
* | $ 467,748,000 | 1 | $ 35,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 1,083,734,000 | 1 | $ 165,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 42,074,066,000 | 1 | $ 55,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 1 | $ 65,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 5,893,793,000 | 1 | $ 125,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 75,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 185,000 |
| Amerifirst Financial, Inc. 1550 E. MCKELLIPS RD, SUITE 117 MESA, AZ 85203 |
* | $ -1,000 | 1 | $ 125,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 165,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 215,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 1 | $ 125,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 85,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2021 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 2021
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 | 37 | $3,395,000 | $91,000 | $195,000 | $52,000 | $180,000 |
| Refinancing | 5 | $545,000 | $109,000 | $215,000 | $142,000 | $390,000 |
| Cash-out Refinancing | 4 | $410,000 | $102,000 | $135,000 | $68,000 | $99,000 |
| Other Purpose | 3 | $155,000 | $51,000 | $85,000 | $150,000 | $285,000 |
| Home Improvement | 2 | $50,000 | $25,000 | $35,000 | $55,000 | $72,000 |
| Not Applicable | 2 | $90,000 | $45,000 | $55,000 | $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 |
|---|---|---|---|---|---|---|
| White | 32 | $2,700,000 | $84,000 | $215,000 | $71,000 | $390,000 |
| Not Provided | 11 | $1,155,000 | $105,000 | $165,000 | $60,000 | $126,000 |
| Not applicable | 8 | $670,000 | $83,000 | $165,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $72,000 | $72,000 |
| Black or African American | 1 | $85,000 | $85,000 | $85,000 | $73,000 | $73,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 29 | $2,325,000 | $80,000 | $165,000 | $71,000 | $285,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,015,000 | $92,000 | $215,000 | $91,000 | $390,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $650,000 | $81,000 | $125,000 | $38,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 5 | $655,000 | $131,000 | $195,000 | $55,000 | $73,000 |
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 | 28 | $2,670,000 | $95,000 | $195,000 | $57,000 | $126,000 |
| Application Withdrawn By Applicant | 9 | $1,055,000 | $117,000 | $215,000 | $99,000 | $390,000 |
| Application Denied By Financial Institution | 7 | $325,000 | $46,000 | $85,000 | $45,000 | $90,000 |
| Loan Purchased By The Institution | 7 | $505,000 | $72,000 | $125,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $90,000 | $45,000 | $55,000 | $160,000 | $285,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $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 | 45 | $4,155,000 | $92,000 | $215,000 | $73,000 | $390,000 |
| Credit History | 3 | $115,000 | $38,000 | $65,000 | $58,000 | $90,000 |
| Collateral | 2 | $120,000 | $60,000 | $85,000 | $23,000 | $24,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $25,000 | $25,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $72,000 | $72,000 |
| Debt-To-Income Ratio | 1 | $165,000 | $165,000 | $165,000 | $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 |
| 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About