Thomas County, KS Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 177 mortgage applications in Thomas County, KS totaling $27.3 million, down 33% from 2021. The average application was for $154,000, and applicants reported an average income of $88,000. 60% of applications resulted in an originated loan and 11% were denied. The most active lender was Adams Bank & Trust, with 22 applications, followed by Sunflower Bank, N.A. and Outdoor 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 | 177 |
| Total Mortgage Loan Application Amount | $27,335,000 |
| Average Mortgage Loan Application Amount | $154,000 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $550,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 1,181,623,000 | 22 | $ 3,260,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 5,652,968,000 | 14 | $ 1,870,000 |
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ 434,572,000 | 13 | $ 1,555,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 831,399,000 | 12 | $ 1,830,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 8 | $ 1,360,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 740,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 5 | $ 685,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 570,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 4 | $ 480,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 4 | $ 560,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 3 | $ 465,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 485,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 938,490,000 | 3 | $ 505,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 3 | $ 1,045,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 2 | $ 200,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 150,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 2 | $ 1,120,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,000,660,000 | 2 | $ 900,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 2 | $ 400,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 7,187,889,000 | 2 | $ 350,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 140,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 1,284,662,000 | 2 | $ 170,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 230,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 255,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 135,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 175,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 115,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 185,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 166,652,719,000 | 1 | $ 385,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 1 | $ 205,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 135,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 115,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,432,330,000 | 1 | $ 175,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 185,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 165,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 165,000 |
| Equitable Savings & Loan Assoc PO BOX 1726 STERLING, CO 80751 |
* | $ 172,235,000 | 1 | $ 125,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 125,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 175,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 105,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 1 | $ 265,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 1,646,678,000 | 1 | $ 95,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 105,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 285,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 1 | $ 165,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 2,697,669,000 | 1 | $ 155,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 1 | $ 35,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 95,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 175,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ -1,000 | 1 | $ 75,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 105,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 5,141,072,000 | 1 | $ 65,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 75,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,089,286,000 | 1 | $ 45,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 25,000 |
The tables below break down 2022 mortgage applications in Thomas 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 Thomas County, KS in 2022
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 | 113 | $18,245,000 | $161,000 | $645,000 | $78,000 | $550,000 |
| Cash-out Refinancing | 30 | $3,890,000 | $129,000 | $295,000 | $73,000 | $275,000 |
| Refinancing | 24 | $4,400,000 | $183,000 | $565,000 | $136,000 | $500,000 |
| Other Purpose | 7 | $525,000 | $75,000 | $165,000 | $95,000 | $190,000 |
| Home Improvement | 2 | $240,000 | $120,000 | $135,000 | $331,000 | $504,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $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 | 136 | $20,160,000 | $148,000 | $645,000 | $82,000 | $504,000 |
| Not Provided | 19 | $3,875,000 | $203,000 | $475,000 | $137,000 | $550,000 |
| Not applicable | 17 | $2,755,000 | $162,000 | $645,000 | $0 | $0 |
| Hispanic | 3 | $315,000 | $105,000 | $155,000 | $36,000 | $55,000 |
| Asian | 1 | $135,000 | $135,000 | $135,000 | $85,000 | $85,000 |
| Black or African American | 1 | $95,000 | $95,000 | $95,000 | $22,000 | $22,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 119 | $19,455,000 | $163,000 | $645,000 | $100,000 | $550,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,670,000 | $131,000 | $285,000 | $55,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,945,000 | $155,000 | $225,000 | $76,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,265,000 | $115,000 | $185,000 | $48,000 | $76,000 |
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 | 106 | $15,920,000 | $150,000 | $645,000 | $84,000 | $550,000 |
| Application Withdrawn By Applicant | 26 | $4,380,000 | $168,000 | $565,000 | $95,000 | $334,000 |
| Application Denied By Financial Institution | 19 | $2,215,000 | $116,000 | $315,000 | $80,000 | $500,000 |
| Loan Purchased By The Institution | 18 | $3,330,000 | $185,000 | $645,000 | $77,000 | $137,000 |
| File Closed For Incompleteness | 6 | $940,000 | $156,000 | $275,000 | $102,000 | $275,000 |
| Application Approved But Not Accepted | 2 | $550,000 | $275,000 | $425,000 | $204,000 | $243,000 |
| 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 | 154 | $24,490,000 | $159,000 | $645,000 | $88,000 | $550,000 |
| Debt-To-Income Ratio | 8 | $1,280,000 | $160,000 | $315,000 | $68,000 | $134,000 |
| Credit History | 6 | $300,000 | $50,000 | $95,000 | $38,000 | $61,000 |
| Collateral | 4 | $590,000 | $147,000 | $165,000 | $76,000 | $128,000 |
| Other | 3 | $455,000 | $151,000 | $185,000 | $214,000 | $500,000 |
| Unverifiable Information | 1 | $145,000 | $145,000 | $145,000 | $108,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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