Stafford County, KS Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 90 mortgage applications in Stafford County, KS totaling $8.2 million, up 8% from 2019. The average application was for $90,000, and applicants reported an average income of $71,000. 41% of applications resulted in an originated loan and 23% were denied. The most active lender was Heartland Credit Union, with 11 applications, followed by Farmers Bank & Trust and Landmark National 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 | 90 |
| Total Mortgage Loan Application Amount | $8,180,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $275,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $351,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ 325,706,000 | 11 | $ 945,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 872,778,000 | 8 | $ 1,240,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 995,323,000 | 8 | $ 710,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 985,502,000 | 6 | $ 300,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 4 | $ 270,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 3 | $ 345,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 3 | $ 175,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 390,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 2 | $ 70,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 2 | $ 190,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 2 | $ 90,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 170,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 70,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 150,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 430,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 1,266,155,000 | 2 | $ 110,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 2 | $ 260,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 2 | $ 80,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 2 | $ 90,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 205,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 95,000 |
| Citizens Bank of Kansas 300 N MAIN ST KINGMAN, KS 67068 |
* | $ 380,175,000 | 1 | $ 25,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 75,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 265,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 1 | $ 45,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 75,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 947,909,000 | 1 | $ 35,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 1 | $ 125,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 125,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 155,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 35,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 215,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 65,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 45,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 45,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 674,892,000 | 1 | $ 55,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 65,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 65,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 85,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 26,357,635,000 | 1 | $ 5,000 |
The tables below break down 2020 mortgage applications in Stafford 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 Stafford County, KS in 2020
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 | 40 | $3,320,000 | $83,000 | $275,000 | $51,000 | $110,000 |
| Refinancing | 29 | $3,225,000 | $111,000 | $275,000 | $104,000 | $351,000 |
| Cash-out Refinancing | 13 | $1,145,000 | $88,000 | $225,000 | $84,000 | $203,000 |
| Other Purpose | 6 | $350,000 | $58,000 | $125,000 | $46,000 | $84,000 |
| Home Improvement | 2 | $140,000 | $70,000 | $85,000 | $45,000 | $74,000 |
| 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 | 71 | $6,075,000 | $85,000 | $275,000 | $67,000 | $351,000 |
| Not applicable | 8 | $770,000 | $96,000 | $235,000 | $150,000 | $225,000 |
| Not Provided | 5 | $675,000 | $135,000 | $275,000 | $93,000 | $226,000 |
| Hispanic | 3 | $415,000 | $138,000 | $265,000 | $62,000 | $65,000 |
| American Indian or Alaskan Native | 2 | $150,000 | $75,000 | $95,000 | $65,000 | $84,000 |
| Black or African American | 1 | $95,000 | $95,000 | $95,000 | $50,000 | $50,000 |
| Asian | 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) | 63 | $5,525,000 | $87,000 | $275,000 | $79,000 | $351,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,525,000 | $117,000 | $275,000 | $58,000 | $87,000 |
| FHA-insured (Federal Housing Administration) | 12 | $980,000 | $81,000 | $265,000 | $38,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $150,000 | $75,000 | $75,000 | $27,000 | $27,000 |
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 | 37 | $4,195,000 | $113,000 | $275,000 | $71,000 | $226,000 |
| Application Denied By Financial Institution | 21 | $1,335,000 | $63,000 | $175,000 | $54,000 | $135,000 |
| Application Withdrawn By Applicant | 14 | $1,090,000 | $77,000 | $225,000 | $69,000 | $351,000 |
| Loan Purchased By The Institution | 7 | $645,000 | $92,000 | $235,000 | $150,000 | $225,000 |
| Application Approved But Not Accepted | 5 | $385,000 | $77,000 | $95,000 | $71,000 | $120,000 |
| Preapproval Denied by Financial Institution | 3 | $135,000 | $45,000 | $55,000 | $62,000 | $95,000 |
| File Closed For Incompleteness | 3 | $395,000 | $131,000 | $275,000 | $159,000 | $165,000 |
| 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 | 61 | $5,615,000 | $92,000 | $275,000 | $73,000 | $226,000 |
| Debt-To-Income Ratio | 16 | $1,800,000 | $112,000 | $275,000 | $77,000 | $351,000 |
| Credit History | 7 | $325,000 | $46,000 | $75,000 | $71,000 | $135,000 |
| Credit Application Incomplete | 2 | $220,000 | $110,000 | $125,000 | $41,000 | $46,000 |
| Other | 2 | $100,000 | $50,000 | $75,000 | $32,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $25,000 | $25,000 | $25,000 | $23,000 | $23,000 |
| Collateral | 1 | $95,000 | $95,000 | $95,000 | $90,000 | $90,000 |
| Employment History | 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.
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