In 2018, lenders reported 247 mortgage applications in Wabaunsee County, KS totaling $33.5 million, down 18% from 2017. The average application was for $135,000, and applicants reported an average income of $88,000. 65% of applications resulted in an originated loan and 13% were denied. The most active lender was Bank of the Flint Hills, with 23 applications, followed by Landmark National Bank and The Stockgrowers State 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 | 247 |
| Total Mortgage Loan Application Amount | $33,545,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $3,210,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of the Flint Hills 806 W 5TH ST, PO BOX 226 WAMEGO, KS 66547 |
* | $ 205,443,000 | 23 | $ 2,695,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 926,876,000 | 15 | $ 2,975,000 |
| The Stockgrowers State Bank 304 MISSOURI, PO BOX 217 ALMA, KS 66401 |
* | $ 83,828,000 | 13 | $ 1,515,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 700,293,000 | 12 | $ 1,830,000 |
| Envista Federal Credit Union 3626 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 349,244,000 | 11 | $ 755,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 165,277,000 | 9 | $ 1,315,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 7 | $ 605,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,009,287,000 | 7 | $ 805,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 7 | $ 625,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 6 | $ 710,000 |
| Azura Credit Union 610 SW 10TH AVENUE TOPEKA, KS 66612 |
* | $ 477,213,000 | 6 | $ 410,000 |
| Farmers and Drovers Bank 201 W MAIN COUNCIL GROVE, KS 66846 |
* | $ 181,167,000 | 6 | $ 170,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 955,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 460,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 24,727,667,000 | 4 | $ 780,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 251,259,000 | 4 | $ 950,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 860,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 385,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 855,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 495,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 3 | $ 615,000 |
| Community Bank 5431 SW 29TH ST TOPEKA, KS 66614 |
* | $ 89,551,000 | 3 | $ 225,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 3 | $ 475,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 5,117,173,000 | 3 | $ 435,000 |
| Flint Hills Bank 103 1/2 N MAIN ESKRIDGE, KS 66423 |
* | $ 130,552,000 | 3 | $ 285,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 165,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 3 | $ 705,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 3 | $ 405,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 110,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 340,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 290,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 290,000 |
| Kansas State University Federal Credit Union 601 MCCALL ROAD MANHATTAN, KS 66502 |
* | $ 83,743,000 | 2 | $ 320,000 |
| Frontier Farm Credit, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ -1,000 | 2 | $ 340,000 |
| Corefirst Bank & Trust 3035 S TOPEKA BLVD TOPEKA, KS 66611 |
* | $ 909,449,000 | 2 | $ 160,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 380,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 250,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,217,466,000 | 2 | $ 200,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 200,000 |
| Kaw Valley Bank 1110 N KANSAS AVENUE, PO BOX 8009 TOPEKA, KS 66608 |
* | $ 324,785,000 | 2 | $ 130,000 |
| Esb Financial 801 MERCHANT EMPORIA, KS 66801 |
* | $ 222,813,000 | 2 | $ 260,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 526,546,000 | 2 | $ 150,000 |
| The Farmers State Bank of Westmoreland 307 MAIN ST, PO BOX 330 WESTMORELAND, KS 66549 |
* | $ 173,073,000 | 2 | $ 370,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 95,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ -1,000 | 1 | $ 145,000 |
| Silver Lake Bank 201 NW US HWY 24 P O BOX 8330 TOPEKA, KS 66608 |
* | $ 270,937,000 | 1 | $ 125,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 155,000 |
| The Lyndon State Bank 817 TOPEKA AVE LYNDON, KS 66451 |
* | $ 69,204,000 | 1 | $ 105,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,069,790,000 | 1 | $ 45,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 315,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 1,264,116,000 | 1 | $ 85,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 933,081,000 | 1 | $ 85,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 175,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 105,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 155,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 145,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 145,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 65,000 |
| Vintage Bank Kansas 101 S MAIN LEON, KS 67074 |
* | $ 121,296,000 | 1 | $ 175,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 195,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 45,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 225,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 135,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 16,758,528,000 | 1 | $ 15,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 445,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 45,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 2,571,441,000 | 1 | $ 315,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 265,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 145,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 205,000 |
| Visionbank 3031 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 161,301,000 | 1 | $ 325,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 1 | $ 65,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 945,013,000 | 1 | $ 205,000 |
The tables below break down 2018 mortgage applications in Wabaunsee County, KS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 133 | $19,425,000 | $146,000 | $505,000 | $98,000 | $3,210,000 |
| Cash-out Refinancing | 46 | $6,590,000 | $143,000 | $465,000 | $74,000 | $160,000 |
| Refinancing | 42 | $5,410,000 | $128,000 | $555,000 | $82,000 | $254,000 |
| Other Purpose | 12 | $1,430,000 | $119,000 | $255,000 | $76,000 | $193,000 |
| Home Improvement | 10 | $380,000 | $38,000 | $145,000 | $60,000 | $132,000 |
| Not Applicable | 4 | $310,000 | $77,000 | $145,000 | $32,000 | $32,000 |
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 | 200 | $26,570,000 | $132,000 | $505,000 | $89,000 | $3,210,000 |
| Not applicable | 21 | $3,745,000 | $178,000 | $555,000 | $74,000 | $117,000 |
| Not Provided | 17 | $2,465,000 | $145,000 | $265,000 | $88,000 | $259,000 |
| Hispanic | 6 | $420,000 | $70,000 | $145,000 | $73,000 | $132,000 |
| American Indian or Alaskan Native | 2 | $210,000 | $105,000 | $145,000 | $63,000 | $86,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $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) | 176 | $22,810,000 | $129,000 | $555,000 | $97,000 | $3,210,000 |
| FHA-insured (Federal Housing Administration) | 31 | $4,415,000 | $142,000 | $275,000 | $62,000 | $155,000 |
| VA-guaranteed (Veterans Administration) | 29 | $5,245,000 | $180,000 | $455,000 | $64,000 | $124,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,075,000 | $97,000 | $205,000 | $49,000 | $80,000 |
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 | 160 | $21,980,000 | $137,000 | $555,000 | $98,000 | $3,210,000 |
| Application Denied By Financial Institution | 32 | $3,620,000 | $113,000 | $265,000 | $61,000 | $132,000 |
| Loan Purchased By The Institution | 26 | $4,350,000 | $167,000 | $445,000 | $68,000 | $117,000 |
| Application Withdrawn By Applicant | 20 | $2,620,000 | $131,000 | $325,000 | $70,000 | $160,000 |
| File Closed For Incompleteness | 5 | $595,000 | $119,000 | $195,000 | $60,000 | $102,000 |
| Application Approved But Not Accepted | 4 | $380,000 | $95,000 | $205,000 | $72,000 | $96,000 |
| 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 | 182 | $25,770,000 | $141,000 | $505,000 | $92,000 | $3,210,000 |
| Debt-To-Income Ratio | 42 | $5,350,000 | $127,000 | $555,000 | $82,000 | $582,000 |
| Credit History | 9 | $765,000 | $85,000 | $155,000 | $55,000 | $132,000 |
| Collateral | 8 | $880,000 | $110,000 | $205,000 | $71,000 | $130,000 |
| Credit Application Incomplete | 3 | $375,000 | $125,000 | $175,000 | $66,000 | $87,000 |
| Other | 2 | $140,000 | $70,000 | $75,000 | $53,000 | $53,000 |
| Unverifiable Information | 1 | $265,000 | $265,000 | $265,000 | $90,000 | $90,000 |
| 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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