Wallace County, KS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 19 mortgage applications in Wallace County, KS totaling $1.9 million, up 58% from 2023. The average application was for $101,000, and applicants reported an average income of $66,000. 42% of applications resulted in an originated loan and 26% were denied. The most active lender was The Eastern Colorado Bank, with 3 applications, followed by Spring Eq, LLC and Nbh 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 | 19 |
| Total Mortgage Loan Application Amount | $1,925,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $275,000 |
| Average Applicant Income | $66,000 |
| 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 | 3 | $ 405,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 35,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ n/a | 1 | $ 205,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 75,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 15,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 115,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 55,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ n/a | 1 | $ 135,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 205,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ n/a | 1 | $ 55,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 195,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 105,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 55,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ n/a | 1 | $ 45,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 55,000 |
The tables below break down 2024 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 2024
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 | 13 | $1,515,000 | $116,000 | $275,000 | $68,000 | $215,000 |
| Other Purpose | 3 | $105,000 | $35,000 | $55,000 | $58,000 | $110,000 |
| Cash-out Refinancing | 2 | $250,000 | $125,000 | $195,000 | $102,000 | $177,000 |
| Home Improvement | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 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 | 11 | $1,095,000 | $99,000 | $275,000 | $67,000 | $215,000 |
| Not Provided | 4 | $310,000 | $77,000 | $135,000 | $41,000 | $62,000 |
| Not applicable | 2 | $260,000 | $130,000 | $205,000 | $0 | $0 |
| Hispanic | 2 | $260,000 | $130,000 | $195,000 | $112,000 | $177,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 11 | $985,000 | $89,000 | $275,000 | $68,000 | $215,000 |
| FHA-insured (Federal Housing Administration) | 6 | $830,000 | $138,000 | $205,000 | $66,000 | $177,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $110,000 | $55,000 | $55,000 | $39,000 | $39,000 |
| 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 | 8 | $930,000 | $116,000 | $205,000 | $70,000 | $177,000 |
| Application Denied By Financial Institution | 5 | $235,000 | $47,000 | $75,000 | $53,000 | $110,000 |
| Application Withdrawn By Applicant | 2 | $340,000 | $170,000 | $275,000 | $133,000 | $215,000 |
| Loan Purchased By The Institution | 2 | $260,000 | $130,000 | $205,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $105,000 | $105,000 | $105,000 | $38,000 | $38,000 |
| 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 | 14 | $1,690,000 | $120,000 | $275,000 | $72,000 | $215,000 |
| Other | 1 | $15,000 | $15,000 | $15,000 | $54,000 | $54,000 |
| Collateral | 1 | $55,000 | $55,000 | $55,000 | $27,000 | $27,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $110,000 | $110,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $62,000 | $62,000 |
| Debt-To-Income Ratio | 1 | $55,000 | $55,000 | $55,000 | $12,000 | $12,000 |
| 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 |
| Unverifiable Information | 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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