Washington County, KS Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 72 mortgage applications in Washington County, KS totaling $8.8 million, up 20% from 2023. The average application was for $122,000, and applicants reported an average income of $106,000. 64% of applications resulted in an originated loan and 18% were denied. The most active lender was United Bank & Trust, with 25 applications, followed by The Citizens National Bank and Amerisave Mortgage Company.
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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 | 72 |
| Total Mortgage Loan Application Amount | $8,840,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $787,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ n/a | 25 | $ 3,025,000 |
| The Citizens National Bank 417 COMMERCIAL STREET GREENLEAF, KS 66943 |
* | $ n/a | 5 | $ 415,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 235,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ n/a | 3 | $ 635,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 2 | $ 240,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 300,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ n/a | 2 | $ 90,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 320,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 180,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 305,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 135,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 275,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 1 | $ 15,000 |
| Farmers and Drovers Bank 201 W MAIN COUNCIL GROVE, KS 66846 |
* | $ n/a | 1 | $ 105,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 75,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 145,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 35,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 125,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ n/a | 1 | $ 165,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 135,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 185,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 115,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ n/a | 1 | $ 75,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 115,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 95,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 1 | $ 65,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ n/a | 1 | $ 135,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 125,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 235,000 |
The tables below break down 2024 mortgage applications in Washington 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 Washington 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 | 44 | $6,000,000 | $136,000 | $405,000 | $111,000 | $787,000 |
| Cash-out Refinancing | 13 | $1,505,000 | $115,000 | $205,000 | $117,000 | $288,000 |
| Refinancing | 10 | $790,000 | $79,000 | $155,000 | $72,000 | $137,000 |
| Other Purpose | 3 | $375,000 | $125,000 | $265,000 | $66,000 | $80,000 |
| Home Improvement | 2 | $170,000 | $85,000 | $135,000 | $125,000 | $191,000 |
| 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 | 64 | $7,930,000 | $123,000 | $405,000 | $109,000 | $787,000 |
| Not Provided | 4 | $510,000 | $127,000 | $275,000 | $89,000 | $137,000 |
| Hispanic | 3 | $255,000 | $85,000 | $135,000 | $60,000 | $64,000 |
| Not applicable | 1 | $145,000 | $145,000 | $145,000 | $0 | $0 |
| 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) | 53 | $5,855,000 | $110,000 | $405,000 | $114,000 | $787,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,790,000 | $179,000 | $305,000 | $80,000 | $114,000 |
| FHA-insured (Federal Housing Administration) | 5 | $695,000 | $139,000 | $195,000 | $89,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $500,000 | $125,000 | $145,000 | $78,000 | $97,000 |
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 | 46 | $5,850,000 | $127,000 | $405,000 | $122,000 | $787,000 |
| Application Denied By Financial Institution | 13 | $1,155,000 | $88,000 | $305,000 | $60,000 | $137,000 |
| Application Withdrawn By Applicant | 6 | $740,000 | $123,000 | $205,000 | $89,000 | $128,000 |
| File Closed For Incompleteness | 3 | $585,000 | $195,000 | $275,000 | $71,000 | $111,000 |
| Loan Purchased By The Institution | 3 | $445,000 | $148,000 | $165,000 | $194,000 | $288,000 |
| Application Approved But Not Accepted | 1 | $65,000 | $65,000 | $65,000 | $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 |
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 | 32 | $4,250,000 | $132,000 | $275,000 | $95,000 | $288,000 |
| Debt-To-Income Ratio | 31 | $3,735,000 | $120,000 | $405,000 | $128,000 | $787,000 |
| Collateral | 3 | $425,000 | $141,000 | $305,000 | $86,000 | $114,000 |
| Credit Application Incomplete | 3 | $175,000 | $58,000 | $75,000 | $83,000 | $137,000 |
| Credit History | 2 | $130,000 | $65,000 | $65,000 | $39,000 | $44,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $78,000 | $78,000 |
| 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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