Woodson County, KS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 91 mortgage applications in Woodson County, KS totaling $5.6 million, up 1% from 2011. The average application was for $61,000, and applicants reported an average income of $78,000. 47% of applications resulted in an originated loan and 31% were denied. The most active lender was Gnbank, National Association, with 23 applications, followed by The Citizens State Bank and Gnb Mortgage Company Inc.
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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 | 91 |
| Total Mortgage Loan Application Amount | $5,588,000 |
| Average Mortgage Loan Application Amount | $61,000 |
| Highest Mortgage Loan Application Amount | $167,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $830,000 |
| 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 |
* | $ 512,660,000 | 23 | $ 884,000 |
| The Citizens State Bank 410 E MAIN ST, PO BOX 102 GRIDLEY, KS 66852 |
* | $ 121,016,000 | 8 | $ 310,000 |
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 7 | $ 626,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 766,287,000 | 6 | $ 447,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 5 | $ 318,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 562,000 |
| Citizens Bank, N.A. 200 S. MAIN, P O BOX 899 FORT SCOTT, KS 66701 |
* | $ 273,413,000 | 5 | $ 271,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 4 | $ 330,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 145,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 231,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 2 | $ 69,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 2 | $ 120,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 106,940,591,000 | 2 | $ 246,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,461,858,000 | 2 | $ 128,000 |
| Kaw Valley Bank 1110 N KANSAS AVENUE, PO BOX 8009 TOPEKA, KS 66608 |
* | $ 451,968,000 | 1 | $ 30,000 |
| Andover State Bank 511 N ANDOVER ROAD, P O BOX 278 ANDOVER, KS 67002 |
* | $ 65,169,000 | 1 | $ 26,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 798,484,000 | 1 | $ 31,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 14,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 125,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 1 | $ 75,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 59,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 1 | $ 15,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 1 | $ 40,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,788,680,000 | 1 | $ 4,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 394,264,000 | 1 | $ 52,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 605,882,000 | 1 | $ 43,000 |
The tables below break down 2012 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 2012
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 | 39 | $3,205,000 | $82,000 | $167,000 | $90,000 | $830,000 |
| Home Purchase | 37 | $1,931,000 | $52,000 | $143,000 | $77,000 | $628,000 |
| Home Improvement | 15 | $452,000 | $30,000 | $70,000 | $49,000 | $120,000 |
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 | 80 | $4,854,000 | $60,000 | $167,000 | $80,000 | $830,000 |
| Not Provided | 9 | $636,000 | $70,000 | $123,000 | $72,000 | $216,000 |
| Not applicable | 2 | $98,000 | $49,000 | $75,000 | $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 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 66 | $3,669,000 | $55,000 | $167,000 | $90,000 | $830,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,250,000 | $78,000 | $162,000 | $51,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $456,000 | $65,000 | $103,000 | $42,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 2 | $213,000 | $106,000 | $131,000 | $7,000 | $14,000 |
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 | 43 | $2,707,000 | $62,000 | $167,000 | $108,000 | $830,000 |
| Application Denied By Financial Institution | 28 | $1,316,000 | $47,000 | $137,000 | $51,000 | $100,000 |
| Application Withdrawn By Applicant | 14 | $1,139,000 | $81,000 | $162,000 | $57,000 | $98,000 |
| Loan Purchased By The Institution | 4 | $243,000 | $60,000 | $110,000 | $27,000 | $81,000 |
| File Closed For Incompleteness | 1 | $60,000 | $60,000 | $60,000 | $24,000 | $24,000 |
| Application Approved But Not Accepted | 1 | $123,000 | $123,000 | $123,000 | $80,000 | $80,000 |
| 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 | 12 | $381,000 | $31,000 | $80,000 | $48,000 | $100,000 |
| Debt-To-Income Ratio | 5 | $250,000 | $50,000 | $116,000 | $52,000 | $88,000 |
| Collateral | 3 | $325,000 | $108,000 | $137,000 | $64,000 | $80,000 |
| Other | 2 | $161,000 | $80,000 | $103,000 | $67,000 | $97,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $21,000 | $21,000 | $21,000 | $44,000 | $44,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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