Wallace County, KS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 21 mortgage applications in Wallace County, KS totaling $2.2 million, up 11% from 2024. The average application was for $105,000, and applicants reported an average income of $71,000. 33% of applications resulted in an originated loan and 29% were denied. The most active lender was The Eastern Colorado Bank, with 6 applications, followed by Golden Plains Credit Union and Adams Bank & Trust.
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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 | 21 |
| Total Mortgage Loan Application Amount | $2,225,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $535,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $215,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The Eastern Colorado Bank PO BOX 888 CHEYENNE WELLS, CO 80810 |
* | $ n/a | 6 | $ 1,020,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ n/a | 3 | $ 505,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ n/a | 2 | $ 80,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 2 | $ 90,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 130,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 35,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 125,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 25,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 55,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 75,000 |
The tables below break down 2025 mortgage applications in Wallace 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 Wallace 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 | 10 | $1,010,000 | $101,000 | $315,000 | $63,000 | $215,000 |
| Cash-out Refinancing | 4 | $390,000 | $97,000 | $165,000 | $65,000 | $135,000 |
| Other Purpose | 3 | $175,000 | $58,000 | $85,000 | $63,000 | $130,000 |
| Refinancing | 3 | $625,000 | $208,000 | $535,000 | $105,000 | $195,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $109,000 | $109,000 |
| 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 | 13 | $1,445,000 | $111,000 | $535,000 | $68,000 | $195,000 |
| Not Provided | 6 | $380,000 | $63,000 | $135,000 | $73,000 | $215,000 |
| American Indian or Alaskan Native | 1 | $315,000 | $315,000 | $315,000 | $46,000 | $46,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $130,000 | $130,000 |
| 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) | 15 | $1,905,000 | $127,000 | $535,000 | $86,000 | $215,000 |
| FHA-insured (Federal Housing Administration) | 6 | $320,000 | $53,000 | $75,000 | $36,000 | $59,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 7 | $965,000 | $137,000 | $535,000 | $89,000 | $195,000 |
| Application Denied By Financial Institution | 6 | $710,000 | $118,000 | $315,000 | $68,000 | $135,000 |
| Application Withdrawn By Applicant | 6 | $460,000 | $76,000 | $135,000 | $67,000 | $215,000 |
| File Closed For Incompleteness | 1 | $55,000 | $55,000 | $55,000 | $22,000 | $22,000 |
| Loan Purchased By The Institution | 1 | $35,000 | $35,000 | $35,000 | $48,000 | $48,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 | 15 | $1,515,000 | $101,000 | $535,000 | $73,000 | $215,000 |
| Credit History | 4 | $230,000 | $57,000 | $95,000 | $57,000 | $62,000 |
| Debt-To-Income Ratio | 2 | $480,000 | $240,000 | $315,000 | $90,000 | $135,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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