Trego County, KS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 52 mortgage applications in Trego County, KS totaling $6.2 million, up 13% from 2024. The average application was for $118,000, and applicants reported an average income of $82,000. 52% of applications resulted in an originated loan and 15% were denied. The most active lender was Golden Plains Credit Union, with 15 applications, followed by Outdoor Bank and Equity 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 | 52 |
| Total Mortgage Loan Application Amount | $6,160,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $315,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $195,000 |
| 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 | 15 | $ 2,215,000 |
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ n/a | 4 | $ 450,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ n/a | 4 | $ 220,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 3 | $ 425,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 245,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 490,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 230,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 220,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 85,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 75,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 175,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ n/a | 1 | $ 145,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 45,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 45,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 35,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ n/a | 1 | $ 55,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 115,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ n/a | 1 | $ 55,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 35,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 175,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 75,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 205,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ n/a | 1 | $ 115,000 |
The tables below break down 2025 mortgage applications in Trego 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 Trego County, KS in 2025
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 | 23 | $2,825,000 | $122,000 | $305,000 | $70,000 | $149,000 |
| Refinancing | 12 | $1,950,000 | $162,000 | $315,000 | $92,000 | $195,000 |
| Cash-out Refinancing | 8 | $930,000 | $116,000 | $185,000 | $89,000 | $159,000 |
| Other Purpose | 5 | $275,000 | $55,000 | $105,000 | $95,000 | $153,000 |
| Home Improvement | 4 | $180,000 | $45,000 | $85,000 | $100,000 | $175,000 |
| 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 | 39 | $4,695,000 | $120,000 | $315,000 | $84,000 | $195,000 |
| Not Provided | 9 | $1,015,000 | $112,000 | $245,000 | $77,000 | $145,000 |
| American Indian or Alaskan Native | 2 | $100,000 | $50,000 | $55,000 | $94,000 | $125,000 |
| Hispanic | 2 | $350,000 | $175,000 | $245,000 | $55,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 38 | $4,160,000 | $109,000 | $315,000 | $82,000 | $175,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,445,000 | $160,000 | $245,000 | $98,000 | $195,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $380,000 | $95,000 | $115,000 | $55,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 1 | $175,000 | $175,000 | $175,000 | $100,000 | $100,000 |
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 | 27 | $3,355,000 | $124,000 | $315,000 | $82,000 | $175,000 |
| Application Withdrawn By Applicant | 10 | $1,160,000 | $116,000 | $175,000 | $72,000 | $159,000 |
| Application Denied By Financial Institution | 8 | $420,000 | $52,000 | $135,000 | $84,000 | $153,000 |
| Preapproval Approved but not Accepted | 5 | $775,000 | $155,000 | $305,000 | $78,000 | $129,000 |
| Application Approved But Not Accepted | 1 | $245,000 | $245,000 | $245,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $205,000 | $205,000 | $205,000 | $195,000 | $195,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 43 | $5,685,000 | $132,000 | $315,000 | $83,000 | $195,000 |
| Collateral | 3 | $135,000 | $45,000 | $55,000 | $62,000 | $125,000 |
| Credit History | 3 | $175,000 | $58,000 | $135,000 | $84,000 | $87,000 |
| Debt-To-Income Ratio | 2 | $90,000 | $45,000 | $55,000 | $91,000 | $153,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $78,000 | $78,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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