Woodson County, KS Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 71 mortgage applications in Woodson County, KS totaling $6.6 million, down 5% from 2021. The average application was for $92,000, and applicants reported an average income of $69,000. 52% of applications resulted in an originated loan and 17% were denied. The most active lender was Gnbank, N.A., with 9 applications, followed by Community National Bank & Trust 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 | 71 |
| Total Mortgage Loan Application Amount | $6,595,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $185,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Gnbank, N.A. 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 959,277,000 | 9 | $ 735,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 1,912,044,000 | 5 | $ 215,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 2,361,582,000 | 4 | $ 530,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 3 | $ 145,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 310,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 140,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,824,450,000 | 2 | $ 220,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 240,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 240,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 104,790,698,000 | 2 | $ 360,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 2 | $ 100,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 210,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 120,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 2 | $ 220,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 200,000 |
| Envista Federal Credit Union 3626 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 508,670,000 | 1 | $ 75,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 1,325,979,000 | 1 | $ 35,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 65,000 |
| Guaranty Bank ANKENY, IA 50023 |
* | $ 882,885,000 | 1 | $ 65,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 872,778,000 | 1 | $ 585,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 1 | $ 45,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 55,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 1 | $ 35,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 105,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 1 | $ 105,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 1 | $ 65,000 |
| Esb Financial 801 MERCHANT EMPORIA, KS 66801 |
* | $ 357,639,000 | 1 | $ 45,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 65,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 55,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,046,374,000 | 1 | $ 55,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 1,266,449,000 | 1 | $ 65,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 225,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 1 | $ 65,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 45,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 65,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 145,000 |
The tables below break down 2022 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 2022
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 | $4,140,000 | $94,000 | $585,000 | $74,000 | $185,000 |
| Refinancing | 13 | $1,275,000 | $98,000 | $375,000 | $61,000 | $130,000 |
| Cash-out Refinancing | 9 | $945,000 | $105,000 | $195,000 | $67,000 | $125,000 |
| Home Improvement | 3 | $155,000 | $51,000 | $75,000 | $55,000 | $64,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Other Purpose | 1 | $25,000 | $25,000 | $25,000 | $36,000 | $36,000 |
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 | 52 | $4,230,000 | $81,000 | $245,000 | $68,000 | $164,000 |
| Not applicable | 9 | $995,000 | $110,000 | $375,000 | $0 | $0 |
| Not Provided | 6 | $590,000 | $98,000 | $195,000 | $72,000 | $101,000 |
| American Indian or Alaskan Native | 3 | $745,000 | $248,000 | $585,000 | $86,000 | $185,000 |
| Asian | 1 | $35,000 | $35,000 | $35,000 | $26,000 | $26,000 |
| 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) | 52 | $4,850,000 | $93,000 | $585,000 | $75,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 8 | $940,000 | $117,000 | $245,000 | $54,000 | $119,000 |
| FHA-insured (Federal Housing Administration) | 7 | $485,000 | $69,000 | $105,000 | $42,000 | $53,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $320,000 | $80,000 | $115,000 | $49,000 | $81,000 |
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 | 37 | $3,365,000 | $90,000 | $375,000 | $71,000 | $164,000 |
| Application Denied By Financial Institution | 12 | $1,020,000 | $85,000 | $225,000 | $51,000 | $86,000 |
| Application Withdrawn By Applicant | 11 | $1,245,000 | $113,000 | $585,000 | $89,000 | $185,000 |
| Loan Purchased By The Institution | 7 | $585,000 | $83,000 | $125,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $120,000 | $60,000 | $65,000 | $37,000 | $37,000 |
| Application Approved But Not Accepted | 2 | $260,000 | $130,000 | $225,000 | $52,000 | $82,000 |
| 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 | 58 | $4,990,000 | $86,000 | $375,000 | $70,000 | $164,000 |
| Credit History | 5 | $215,000 | $43,000 | $55,000 | $55,000 | $84,000 |
| Debt-To-Income Ratio | 3 | $955,000 | $318,000 | $585,000 | $98,000 | $185,000 |
| Unverifiable Information | 3 | $285,000 | $95,000 | $105,000 | $44,000 | $63,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $52,000 | $52,000 |
| Collateral | 1 | $85,000 | $85,000 | $85,000 | $53,000 | $53,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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