Smith County, KS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 36 mortgage applications in Smith County, KS totaling $4.3 million, down 22% from 2023. The average application was for $119,000, and applicants reported an average income of $74,000. 50% of applications resulted in an originated loan and 22% were denied. The most active lender was Golden Plains Credit Union, with 7 applications, followed by PennyMac Loan Services LLC and Mortgage Research Center.
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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 | 36 |
| Total Mortgage Loan Application Amount | $4,290,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $204,000 |
| 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 |
* | $ n/a | 7 | $ 1,005,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 500,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 210,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 120,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 1 | $ 165,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 25,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 285,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 85,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 1 | $ 205,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ n/a | 1 | $ 105,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ n/a | 1 | $ 145,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 145,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 165,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 135,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 195,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 125,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 1 | $ 65,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 65,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 25,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 115,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 15,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2024 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 2024
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 | 24 | $3,300,000 | $137,000 | $335,000 | $77,000 | $204,000 |
| Cash-out Refinancing | 5 | $565,000 | $113,000 | $205,000 | $75,000 | $119,000 |
| Refinancing | 3 | $225,000 | $75,000 | $145,000 | $21,000 | $21,000 |
| Other Purpose | 2 | $110,000 | $55,000 | $85,000 | $36,000 | $47,000 |
| Home Improvement | 2 | $90,000 | $45,000 | $65,000 | $98,000 | $128,000 |
| 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 | 27 | $3,345,000 | $123,000 | $335,000 | $80,000 | $204,000 |
| Not applicable | 6 | $640,000 | $106,000 | $165,000 | $61,000 | $61,000 |
| Not Provided | 2 | $140,000 | $70,000 | $115,000 | $37,000 | $47,000 |
| Hispanic | 1 | $165,000 | $165,000 | $165,000 | $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 |
| 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) | 17 | $1,945,000 | $114,000 | $335,000 | $88,000 | $204,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,255,000 | $114,000 | $285,000 | $61,000 | $106,000 |
| VA-guaranteed (Veterans Administration) | 7 | $895,000 | $127,000 | $165,000 | $47,000 | $71,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $195,000 | $195,000 | $195,000 | $61,000 | $61,000 |
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 | 18 | $2,290,000 | $127,000 | $285,000 | $72,000 | $168,000 |
| Application Denied By Financial Institution | 8 | $840,000 | $105,000 | $335,000 | $69,000 | $204,000 |
| Loan Purchased By The Institution | 5 | $575,000 | $115,000 | $165,000 | $61,000 | $61,000 |
| Application Withdrawn By Applicant | 2 | $340,000 | $170,000 | $205,000 | $124,000 | $130,000 |
| File Closed For Incompleteness | 1 | $25,000 | $25,000 | $25,000 | $47,000 | $47,000 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $84,000 | $84,000 |
| Preapproval Approved but not Accepted | 1 | $165,000 | $165,000 | $165,000 | $73,000 | $73,000 |
| 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 | 28 | $3,450,000 | $123,000 | $285,000 | $75,000 | $168,000 |
| Credit History | 3 | $235,000 | $78,000 | $125,000 | $123,000 | $204,000 |
| Debt-To-Income Ratio | 2 | $440,000 | $220,000 | $335,000 | $49,000 | $52,000 |
| Collateral | 2 | $80,000 | $40,000 | $65,000 | $31,000 | $42,000 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $26,000 | $26,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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