Smith County, KS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 46 mortgage applications in Smith County, KS totaling $4.5 million, about the same as 2022. The average application was for $97,000, and applicants reported an average income of $85,000. 50% of applications resulted in an originated loan and 22% were denied. The most active lender was Golden Plains Credit Union, with 9 applications, followed by Mortgage Research Center and Discover 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 | 46 |
| Total Mortgage Loan Application Amount | $4,480,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $245,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $265,000 |
| 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 |
* | $ 942,923,000 | 9 | $ 915,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 425,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 3 | $ 205,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 80,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 185,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 55,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 45,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 165,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 7,724,198,000 | 1 | $ 65,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 1,405,806,000 | 1 | $ 15,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 1 | $ 55,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 85,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 7,415,263,000 | 1 | $ 195,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 135,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ 2,427,913,000 | 1 | $ 75,000 |
| Heritage Bank 110 E 9TH ST WOOD RIVER, NE 68883 |
* | $ 604,832,000 | 1 | $ 245,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 115,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 1 | $ 85,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 4,554,611,000 | 1 | $ 175,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 145,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ 2,702,968,000 | 1 | $ 235,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 55,000 |
The tables below break down 2023 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 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 | 28 | $2,990,000 | $106,000 | $235,000 | $88,000 | $234,000 |
| Cash-out Refinancing | 6 | $620,000 | $103,000 | $165,000 | $82,000 | $265,000 |
| Refinancing | 5 | $525,000 | $105,000 | $245,000 | $87,000 | $199,000 |
| Other Purpose | 4 | $250,000 | $62,000 | $85,000 | $71,000 | $130,000 |
| Not Applicable | 2 | $80,000 | $40,000 | $45,000 | $0 | $0 |
| Home Improvement | 1 | $15,000 | $15,000 | $15,000 | $61,000 | $61,000 |
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 | 31 | $3,095,000 | $99,000 | $245,000 | $88,000 | $234,000 |
| Not applicable | 5 | $425,000 | $85,000 | $145,000 | $0 | $0 |
| Not Provided | 5 | $465,000 | $93,000 | $165,000 | $43,000 | $60,000 |
| Asian | 3 | $335,000 | $111,000 | $155,000 | $70,000 | $100,000 |
| Hispanic | 1 | $75,000 | $75,000 | $75,000 | $265,000 | $265,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $61,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 32 | $3,050,000 | $95,000 | $245,000 | $93,000 | $265,000 |
| FHA-insured (Federal Housing Administration) | 10 | $860,000 | $86,000 | $135,000 | $43,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 4 | $570,000 | $142,000 | $195,000 | $95,000 | $131,000 |
| 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 | 23 | $2,325,000 | $101,000 | $245,000 | $89,000 | $199,000 |
| Application Denied By Financial Institution | 10 | $880,000 | $88,000 | $165,000 | $70,000 | $265,000 |
| Application Withdrawn By Applicant | 5 | $565,000 | $113,000 | $235,000 | $93,000 | $234,000 |
| Loan Purchased By The Institution | 4 | $360,000 | $90,000 | $145,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $140,000 | $70,000 | $85,000 | $85,000 | $130,000 |
| Application Approved But Not Accepted | 2 | $210,000 | $105,000 | $155,000 | $96,000 | $139,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 35 | $3,355,000 | $95,000 | $235,000 | $86,000 | $234,000 |
| Debt-To-Income Ratio | 4 | $530,000 | $132,000 | $245,000 | $84,000 | $199,000 |
| Collateral | 3 | $225,000 | $75,000 | $95,000 | $116,000 | $265,000 |
| Credit History | 2 | $90,000 | $45,000 | $55,000 | $27,000 | $32,000 |
| Credit Application Incomplete | 1 | $165,000 | $165,000 | $165,000 | $40,000 | $40,000 |
| Other | 1 | $115,000 | $115,000 | $115,000 | $125,000 | $125,000 |
| Unverifiable Information | 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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