Wilson County, KS Mortgage Lenders & HMDA Data, 2009

In 2009, lenders reported 232 mortgage applications in Wilson County, KS totaling $17.4 million, down 24% from 2008. The average application was for $74,000, and applicants reported an average income of $54,000. 44% of applications resulted in an originated loan and 25% were denied. The most active lender was Community National Bank & Trust, with 58 applications, followed by Embrace Home Loans, Inc. and Bank of America, N.A..

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Total Number of Mortgage Applications 232
Total Mortgage Loan Application Amount $17,396,000
Average Mortgage Loan Application Amount $74,000
Highest Mortgage Loan Application Amount $335,000
Average Applicant Income $54,000
Highest Applicant Income $203,000

Mortgage Company List for Lending in Wilson County, KS for 2009

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ 601,669,000 58 $ 2,390,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 25 $ 1,846,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,471,631,047,000 17 $ 1,553,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,746,242,000,000 9 $ 1,172,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,227,040,000,000 9 $ 509,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 538,958,000,000 8 $ 743,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 21,270,147,000 8 $ 451,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 8 $ 503,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 117,978,966,000 7 $ 808,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 5 $ 508,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,157,838,000 5 $ 464,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 32,882,574,000 4 $ 432,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 4 $ 429,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 261,775,591,000 4 $ 276,000
Capital One NA
11130 INDUSTRIALPLEX BLVD
BATON ROUGE, LA 70809
* $ 115,142,306,000 4 $ 29,000
BNC National Bank

BISMARCK, ND 58501
* $ 861,403,000 4 $ 377,000
First National Bank
113 N PENN
INDEPENDENCE, KS 67301
* $ 76,910,000 3 $ 450,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 16,669,297,000 3 $ 307,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 3 $ 176,000
Nationwide Mortgage Concepts,
40380 DESERT CREEK LANE
RANCHO MIRAGE, CA 92270
* $ 10,000,000 2 $ 317,000
Bank of Blue Valley
11935 RILEY
OVERLAND PARK, KS 66213
* $ 800,974,000 2 $ 265,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 2 $ 122,000
Emprise Bank
257 N BROADWAY
WICHITA, KS 67202
* $ 1,258,434,000 2 $ 132,000
Eagle National Bank
8045 WEST CHESTER PIKE
UPPER DARBY, PA 19082
* $ 258,044,000 2 $ 169,000
Bank of Kansas City
P.O. BOX 2300
TULSA, OK 74192
* $ 87,221,000 2 $ 96,000
Bank Midwest, N.A.
320 KANSAS AVE
FORT LEAVENWORTH, KS 66027
* $ 4,416,832,000 1 $ 104,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 4,858,594,000 1 $ 20,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 823,318,000 1 $ 152,000
Commerce Bank, N.A.
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 17,422,344,000 1 $ 150,000
Gnbank, National Association
100 E FOREST (PO BOX 67)
GIRARD, KS 66743
* $ 497,957,000 1 $ 37,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 1,647,527,000 1 $ 5,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 1,959,803,000 1 $ 67,000
Andover State Bank
511 N ANDOVER ROAD, P O BOX 278
ANDOVER, KS 67002
* $ 56,573,000 1 $ 40,000
Corefirst Bank & Trust
3035 S TOPEKA BLVD
TOPEKA, KS 66611
* $ 1,279,778,000 1 $ 25,000
Gnb Mortgage Company Inc
112 E 8TH STREET, PO BOX 149
HORTON, KS 66439
* $ 278,812,000 1 $ 125,000
Arvest Bank Group
4500 SOUTH GARNETT SUIT 440
TULSA, OK 74146
* $ 10,210,879,000 1 $ 11,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,098,787,000 1 $ 80,000
Gateway Bank, FSB
2336 MERCED STREET
SAN LEANDRO, CA 94577
* $ 479,176,000 1 $ 118,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 38,000
First Federal Bank, FSB
6900 N. EXECUTIVE DR.
KANSAS CITY, MO 64120
* $ 411,144,000 1 $ 97,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 427,899,000 1 $ 100,000
Security Savings Bank, FSB
11599 RIDGEVIEW RD
OLATHE, KS 66061
* $ 650,847,000 1 $ 123,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 32,584,979,000 1 $ 87,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 1 $ 83,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 92,000
Centennial Lending, LLC
4112 KODIAK COURT, UNIT D
FIRESTONE, CO 80504
* $ 3,406,000,000 1 $ 43,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ 10,000,000 1 $ 67,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 36,351,625,000 1 $ 16,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 131,000
American General Fin.Serv.(De)
601 N.W. SECOND STREET, P.O. BOX 59
EVANSVILLE, IN 47701
* $ 10,000,000 1 $ 1,000

The tables below break down 2009 mortgage applications in Wilson 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 Wilson County, KS in 2009

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
Refinancing 163 $13,360,000 $81,000 $328,000 $58,000 $203,000
Home Purchase 46 $2,994,000 $65,000 $220,000 $42,000 $141,000
Home Improvement 23 $1,042,000 $45,000 $335,000 $51,000 $155,000

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 183 $13,862,000 $75,000 $335,000 $56,000 $203,000
Not Provided 28 $2,016,000 $72,000 $259,000 $53,000 $156,000
Not applicable 19 $1,394,000 $73,000 $118,000 $38,000 $93,000
Hispanic 2 $124,000 $62,000 $62,000 $46,000 $58,000
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) 151 $10,252,000 $67,000 $335,000 $60,000 $203,000
FHA-insured (Federal Housing Administration) 68 $6,134,000 $90,000 $259,000 $47,000 $156,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $583,000 $72,000 $182,000 $29,000 $68,000
VA-guaranteed (Veterans Administration) 5 $427,000 $85,000 $160,000 $27,000 $59,000

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 101 $6,443,000 $63,000 $290,000 $55,000 $196,000
Application Denied By Financial Institution 59 $4,872,000 $82,000 $335,000 $58,000 $203,000
Loan Purchased By The Institution 36 $3,228,000 $89,000 $290,000 $43,000 $164,000
Application Withdrawn By Applicant 26 $2,348,000 $90,000 $328,000 $57,000 $156,000
Application Approved But Not Accepted 8 $334,000 $41,000 $67,000 $49,000 $86,000
File Closed For Incompleteness 2 $171,000 $85,000 $130,000 $86,000 $132,000
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
Collateral 15 $1,656,000 $110,000 $335,000 $72,000 $155,000
Credit History 11 $541,000 $49,000 $140,000 $52,000 $108,000
Debt-To-Income Ratio 7 $678,000 $96,000 $310,000 $57,000 $203,000
Other 4 $304,000 $76,000 $125,000 $62,000 $112,000
Credit Application Incomplete 3 $337,000 $112,000 $153,000 $101,000 $148,000
Insufficient Cash (Downpayment, Closing Cost) 2 $74,000 $37,000 $59,000 $47,000 $60,000
Employment History 1 $34,000 $34,000 $34,000 $20,000 $20,000
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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