Wichita County, KS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 31 mortgage applications in Wichita County, KS totaling $4.6 million, up 15% from 2022. The average application was for $148,000, and applicants reported an average income of $78,000. 35% of applications resulted in an originated loan and 26% were denied. The most active lender was Golden Plains Credit Union, with 4 applications, followed by Mortgage Research Center and 21st Mortgage.
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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 | 31 |
| Total Mortgage Loan Application Amount | $4,605,000 |
| Average Mortgage Loan Application Amount | $148,000 |
| Highest Mortgage Loan Application Amount | $285,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $240,000 |
Top Mortgage Lenders in Wichita County, KS (2023)
Ranked by the number of mortgage applications each lender reported in Wichita County, KS in 2023.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Golden Plains Credit Union Garden City, KS |
4 | $590,000 | $147,000 | $72,000 |
| 2 | Mortgage Research Center Columbia, MO |
4 | $880,000 | $220,000 | $79,000 |
| 3 | 21st Mortgage Knoxville, TN |
4 | $360,000 | $90,000 | $48,000 |
| 4 | Mortgage Investment Services Corporation Shawnee, KS |
2 | $350,000 | $175,000 | $152,000 |
| 5 | PennyMac Loan Services LLC Westlake Village, CA |
2 | $340,000 | $170,000 | $0 |
| 6 | Guaranteed Rate, Inc. Chicago, IL |
2 | $230,000 | $115,000 | $53,000 |
| 7 | Newrez LLC Fort Washington, PA |
1 | $105,000 | $105,000 | $0 |
| 8 | Movement Mortgage, LLC Indian Land, SC |
1 | $195,000 | $195,000 | $117,000 |
| 9 | Coastal Community Bank Everett, WA |
1 | $15,000 | $15,000 | $68,000 |
| 10 | Flagstar Bank NA Troy, MI |
1 | $235,000 | $235,000 | $82,000 |
The tables below break down 2023 mortgage applications in Wichita 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 Wichita County, KS in 2023
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 | 29 | $4,565,000 | $157,000 | $285,000 | $79,000 | $240,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| Other Purpose | 1 | $15,000 | $15,000 | $15,000 | $68,000 | $68,000 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 17 | $2,835,000 | $166,000 | $285,000 | $85,000 | $240,000 |
| Hispanic | 6 | $610,000 | $101,000 | $145,000 | $60,000 | $95,000 |
| Not applicable | 4 | $470,000 | $117,000 | $235,000 | $0 | $0 |
| Not Provided | 4 | $690,000 | $172,000 | $235,000 | $78,000 | $112,000 |
| 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) | 12 | $1,680,000 | $140,000 | $285,000 | $83,000 | $240,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,610,000 | $134,000 | $235,000 | $75,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,175,000 | $235,000 | $235,000 | $83,000 | $89,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $140,000 | $70,000 | $75,000 | $56,000 | $65,000 |
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 | 11 | $1,745,000 | $158,000 | $235,000 | $76,000 | $112,000 |
| Application Denied By Financial Institution | 8 | $1,020,000 | $127,000 | $275,000 | $64,000 | $103,000 |
| Application Withdrawn By Applicant | 4 | $670,000 | $167,000 | $255,000 | $70,000 | $82,000 |
| Loan Purchased By The Institution | 4 | $470,000 | $117,000 | $235,000 | $0 | $0 |
| Application Approved But Not Accepted | 3 | $555,000 | $185,000 | $285,000 | $135,000 | $240,000 |
| File Closed For Incompleteness | 1 | $145,000 | $145,000 | $145,000 | $94,000 | $94,000 |
| 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 | 23 | $3,585,000 | $155,000 | $285,000 | $85,000 | $240,000 |
| Credit History | 6 | $720,000 | $120,000 | $275,000 | $56,000 | $103,000 |
| Collateral | 1 | $65,000 | $65,000 | $65,000 | $95,000 | $95,000 |
| Employment History | 1 | $235,000 | $235,000 | $235,000 | $82,000 | $82,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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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