Woodson County, KS Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 123 mortgage applications in Woodson County, KS totaling $8.3 million, up 13% from 2008. The average application was for $67,000, and applicants reported an average income of $53,000. 48% of applications resulted in an originated loan and 37% were denied. The most active lender was Gnbank, National Association, with 21 applications, followed by Gnb Mortgage Company Inc and Emprise 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 | 123 |
| Total Mortgage Loan Application Amount | $8,319,000 |
| Average Mortgage Loan Application Amount | $67,000 |
| Highest Mortgage Loan Application Amount | $230,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $450,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 497,957,000 | 21 | $ 1,022,000 |
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 16 | $ 1,069,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,258,434,000 | 8 | $ 336,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 525,000 |
| The Citizens State Bank 410 E MAIN ST, PO BOX 102 GRIDLEY, KS 66852 |
* | $ 86,370,000 | 7 | $ 558,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 601,669,000 | 6 | $ 140,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 5 | $ 393,000 |
| Citizens Bank, N.A. 200 S. MAIN, P O BOX 899 FORT SCOTT, KS 66701 |
* | $ 293,719,000 | 5 | $ 478,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 5 | $ 359,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 4 | $ 479,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 901,102,000 | 3 | $ 262,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 3 | $ 228,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 366,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 2 | $ 33,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 46,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 317,499,000 | 2 | $ 85,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 2 | $ 196,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 1 | $ 150,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 3,480,952,000 | 1 | $ 20,000 |
| Citizens Bank of Kansas, N.A. 300 N MAIN KINGMAN, KS 67068 |
* | $ 240,092,000 | 1 | $ 40,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 861,403,000 | 1 | $ 43,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 85,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 148,000 |
| National Bank of St Anne 158 WEST STATION ST ST ANNE, IL 60964 |
* | $ 46,710,000 | 1 | $ 120,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 63,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 201,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 149,135,000 | 1 | $ 89,000 |
| Azura Credit Union 610 SW 10TH AVENUE TOPEKA, KS 66612 |
* | $ 81,295,000 | 1 | $ 90,000 |
| The Citizens State Bank of Cheney, Kansas PO BOX 509 CHENEY, KS 67025 |
* | $ 47,270,000 | 1 | $ 41,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,959,803,000 | 1 | $ 104,000 |
| Rose Hill Bank 107 N ROSE HILL RD PO BOX 68 ROSE HILL, KS 67133 |
* | $ 178,337,000 | 1 | $ 17,000 |
| First State Bank & Trust PO BOX 219 TONGANOXIE, KS 66086 |
* | $ 324,775,000 | 1 | $ 20,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 140,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 120,000 |
The tables below break down 2009 mortgage applications in Woodson 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 Woodson 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 | 79 | $6,018,000 | $76,000 | $230,000 | $56,000 | $450,000 |
| Home Purchase | 38 | $2,202,000 | $57,000 | $160,000 | $49,000 | $139,000 |
| Home Improvement | 6 | $99,000 | $16,000 | $32,000 | $54,000 | $133,000 |
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 | 115 | $7,831,000 | $68,000 | $230,000 | $53,000 | $450,000 |
| Not Provided | 6 | $398,000 | $66,000 | $150,000 | $60,000 | $108,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 |
| Black or African American | 1 | $65,000 | $65,000 | $65,000 | $46,000 | $46,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 97 | $6,186,000 | $63,000 | $230,000 | $58,000 | $450,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,391,000 | $81,000 | $216,000 | $35,000 | $93,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $602,000 | $75,000 | $150,000 | $49,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 1 | $140,000 | $140,000 | $140,000 | $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 | 59 | $3,550,000 | $60,000 | $230,000 | $59,000 | $450,000 |
| Application Denied By Financial Institution | 45 | $3,326,000 | $73,000 | $216,000 | $44,000 | $93,000 |
| Application Withdrawn By Applicant | 12 | $871,000 | $72,000 | $164,000 | $54,000 | $119,000 |
| Application Approved But Not Accepted | 3 | $268,000 | $89,000 | $144,000 | $69,000 | $108,000 |
| Loan Purchased By The Institution | 3 | $218,000 | $72,000 | $120,000 | $38,000 | $64,000 |
| File Closed For Incompleteness | 1 | $86,000 | $86,000 | $86,000 | $139,000 | $139,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 20 | $1,226,000 | $61,000 | $165,000 | $41,000 | $81,000 |
| Collateral | 6 | $595,000 | $99,000 | $201,000 | $54,000 | $84,000 |
| Other | 5 | $391,000 | $78,000 | $148,000 | $54,000 | $64,000 |
| Credit Application Incomplete | 2 | $112,000 | $56,000 | $82,000 | $30,000 | $60,000 |
| Debt-To-Income Ratio | 2 | $22,000 | $11,000 | $13,000 | $10,000 | $16,000 |
| Unverifiable Information | 1 | $166,000 | $166,000 | $166,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $25,000 | $25,000 | $25,000 | $86,000 | $86,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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