In 2019, lenders reported 300 mortgage applications in Wabaunsee County, KS totaling $39.6 million, up 21% from 2018. The average application was for $131,000, and applicants reported an average income of $93,000. 62% of applications resulted in an originated loan and 15% were denied. The most active lender was Kaw Valley State Bank & Trust, with 25 applications, followed by Landmark National Bank and Bank of the Flint Hills.
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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 | 300 |
| Total Mortgage Loan Application Amount | $39,550,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $3,420,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 174,023,000 | 25 | $ 2,695,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 982,703,000 | 20 | $ 2,770,000 |
| Bank of the Flint Hills 806 W 5TH ST, PO BOX 226 WAMEGO, KS 66547 |
* | $ 310,983,000 | 18 | $ 2,560,000 |
| The Stockgrowers State Bank 304 MISSOURI, PO BOX 217 ALMA, KS 66401 |
* | $ 85,407,000 | 17 | $ 1,805,000 |
| Azura Credit Union 610 SW 10TH AVENUE TOPEKA, KS 66612 |
* | $ 481,821,000 | 13 | $ 835,000 |
| Farmers and Drovers Bank 201 W MAIN COUNCIL GROVE, KS 66846 |
* | $ 183,411,000 | 11 | $ 625,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 11 | $ 1,695,000 |
| Envista Federal Credit Union 3626 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 364,260,000 | 10 | $ 920,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,321,162,000 | 8 | $ 1,260,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,029,298,000 | 7 | $ 905,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 7 | $ 595,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 7 | $ 1,495,000 |
| Corefirst Bank & Trust 3035 S TOPEKA BLVD TOPEKA, KS 66611 |
* | $ 906,491,000 | 6 | $ 520,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 699,960,000 | 6 | $ 690,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 845,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 5 | $ 555,000 |
| Flint Hills Bank 103 1/2 N MAIN ESKRIDGE, KS 66423 |
* | $ 127,207,000 | 5 | $ 415,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 785,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 5 | $ 275,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 4 | $ 450,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 4 | $ 600,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 490,000 |
| Silver Lake Bank 201 NW US HWY 24 P O BOX 8330 TOPEKA, KS 66608 |
* | $ 268,686,000 | 3 | $ 465,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 3 | $ 675,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 3 | $ 435,000 |
| Kaw Valley Bank 1110 N KANSAS AVENUE, PO BOX 8009 TOPEKA, KS 66608 |
* | $ 306,392,000 | 3 | $ 465,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,383,765,000 | 3 | $ 1,415,000 |
| The Farmers State Bank of Westmoreland 307 MAIN ST, PO BOX 330 WESTMORELAND, KS 66549 |
* | $ 172,355,000 | 3 | $ 155,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 3 | $ 675,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 966,018,000 | 3 | $ 385,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 2 | $ 520,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 282,714,000 | 2 | $ 720,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 5,201,340,000 | 2 | $ 110,000 |
| Visionbank 3031 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 178,483,000 | 2 | $ 220,000 |
| Denison State Bank 421 NEW YORK AVENUE HOLTON, KS 66436 |
* | $ 341,800,000 | 2 | $ 220,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 2 | $ 380,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 2 | $ 230,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 330,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 34,104,022,000 | 2 | $ 750,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 370,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 2 | $ 390,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 2 | $ 270,000 |
| Esb Financial 801 MERCHANT EMPORIA, KS 66801 |
* | $ 229,411,000 | 2 | $ 340,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 500,000 |
| New Century Bank 1211 28TH ST BELLEVILLE, KS 66935 |
* | $ 55,863,000 | 2 | $ 330,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 135,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 175,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 155,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 85,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,011,136,000 | 1 | $ 25,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 820,261,000 | 1 | $ 45,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ -1,000 | 1 | $ 45,000 |
| Andover State Bank 511 N ANDOVER ROAD, P O BOX 278 ANDOVER, KS 67002 |
* | $ 93,929,000 | 1 | $ 355,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 5,665,667,000 | 1 | $ 15,000 |
| The Citizens State Bank 410 E MAIN ST, PO BOX 102 GRIDLEY, KS 66852 |
* | $ 200,850,000 | 1 | $ 25,000 |
| Fidelity State Bank and Trust Company P, O. BOX 1737 TOPEKA, KS 66601 |
* | $ 136,362,000 | 1 | $ 15,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 175,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 165,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 65,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 125,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 123,147,670,000 | 1 | $ 15,000 |
| Kansas State University Federal Credit Union 601 MCCALL ROAD MANHATTAN, KS 66502 |
* | $ 84,463,000 | 1 | $ 105,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 125,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ -1,000 | 1 | $ 195,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 55,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 135,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 25,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 145,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 23,137,750,000 | 1 | $ 405,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,426,972,000 | 1 | $ 65,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 2,686,628,000 | 1 | $ 315,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 205,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 45,000 |
| Bankunited, National Association 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 32,077,582,000 | 1 | $ 45,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 145,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 1 | $ 25,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 45,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 1 | $ 275,000 |
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ 225,924,000 | 1 | $ 225,000 |
The tables below break down 2019 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 | 132 | $17,290,000 | $130,000 | $545,000 | $72,000 | $270,000 |
| Refinancing | 79 | $13,115,000 | $166,000 | $1,005,000 | $151,000 | $3,420,000 |
| Cash-out Refinancing | 49 | $6,385,000 | $130,000 | $405,000 | $65,000 | $241,000 |
| Other Purpose | 21 | $1,325,000 | $63,000 | $405,000 | $77,000 | $487,000 |
| Home Improvement | 17 | $1,305,000 | $76,000 | $205,000 | $120,000 | $591,000 |
| Not Applicable | 2 | $130,000 | $65,000 | $85,000 | $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 | 258 | $34,000,000 | $131,000 | $1,005,000 | $94,000 | $3,420,000 |
| Not Provided | 18 | $2,340,000 | $130,000 | $215,000 | $84,000 | $256,000 |
| Not applicable | 14 | $1,880,000 | $134,000 | $355,000 | $47,000 | $47,000 |
| Hispanic | 8 | $790,000 | $98,000 | $225,000 | $56,000 | $149,000 |
| American Indian or Alaskan Native | 2 | $540,000 | $270,000 | $305,000 | $116,000 | $155,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 236 | $28,700,000 | $121,000 | $1,005,000 | $98,000 | $3,420,000 |
| VA-guaranteed (Veterans Administration) | 27 | $5,955,000 | $220,000 | $405,000 | $70,000 | $159,000 |
| FHA-insured (Federal Housing Administration) | 23 | $2,835,000 | $123,000 | $245,000 | $62,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,060,000 | $147,000 | $295,000 | $56,000 | $96,000 |
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 | 187 | $24,815,000 | $132,000 | $1,005,000 | $105,000 | $3,420,000 |
| Application Denied By Financial Institution | 46 | $4,400,000 | $95,000 | $405,000 | $56,000 | $256,000 |
| Application Withdrawn By Applicant | 36 | $6,170,000 | $171,000 | $445,000 | $89,000 | $238,000 |
| Loan Purchased By The Institution | 21 | $3,145,000 | $149,000 | $355,000 | $75,000 | $143,000 |
| Application Approved But Not Accepted | 5 | $485,000 | $97,000 | $165,000 | $78,000 | $109,000 |
| File Closed For Incompleteness | 4 | $480,000 | $120,000 | $215,000 | $62,000 | $109,000 |
| Preapproval Approved but not Accepted | 1 | $55,000 | $55,000 | $55,000 | $33,000 | $33,000 |
| 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 | 196 | $29,170,000 | $148,000 | $1,005,000 | $104,000 | $3,420,000 |
| Debt-To-Income Ratio | 76 | $7,940,000 | $104,000 | $355,000 | $80,000 | $727,000 |
| Collateral | 11 | $925,000 | $84,000 | $325,000 | $55,000 | $100,000 |
| Credit History | 11 | $665,000 | $60,000 | $165,000 | $44,000 | $76,000 |
| Credit Application Incomplete | 4 | $730,000 | $182,000 | $405,000 | $65,000 | $100,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $19,000 | $19,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $34,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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