Woodson County, KS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 84 mortgage applications in Woodson County, KS totaling $13.6 million, up 18% from 2022. The average application was for $161,000, and applicants reported an average income of $100,000. 52% of applications resulted in an originated loan and 18% were denied. The most active lender was Gnbank, N.A., with 12 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 | 84 |
| Total Mortgage Loan Application Amount | $13,570,000 |
| Average Mortgage Loan Application Amount | $161,000 |
| Highest Mortgage Loan Application Amount | $3,845,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $372,000 |
| 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 |
* | $ 938,981,000 | 12 | $ 1,490,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 1,942,679,000 | 7 | $ 755,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 2,375,666,000 | 6 | $ 470,000 |
| The Citizens State Bank 410 E. MAIN STREET GRIDLEY, KS 66852 |
* | $ 323,616,000 | 6 | $ 1,180,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 4 | $ 280,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 440,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 215,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 205,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 130,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 170,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 2 | $ 220,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 2 | $ 190,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 1,812,858,000 | 2 | $ 90,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 115,000 |
| Union State Bank 127 S SUMMIT STREET ARKANSAS CITY, KS 67005 |
* | $ 578,747,000 | 1 | $ 175,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 195,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 45,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 4,976,744,000 | 1 | $ 55,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 75,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 27,409,758,000 | 1 | $ 75,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 1,498,800,000 | 1 | $ 515,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 31,679,817,000 | 1 | $ 45,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 3,078,918,000 | 1 | $ 55,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 35,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 505,000 |
| Vintage Bank Kansas P O BOX 68 101 SOUTH MAIN LEON, KS 67074 |
* | $ 221,188,000 | 1 | $ 455,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 55,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 85,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 1 | $ 125,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 95,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 75,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 85,000 |
| Pinnacle Bank PO BOX 676 FORT WORTH, TX 76102 |
* | $ 2,624,622,000 | 1 | $ 3,845,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 45,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 1,255,880,000 | 1 | $ 35,000 |
| Legacy Bank 3711 N RIDGE RD WICHITA, KS 67205 |
* | $ 618,429,000 | 1 | $ 135,000 |
The tables below break down 2023 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 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 | 46 | $9,400,000 | $204,000 | $3,845,000 | $106,000 | $344,000 |
| Cash-out Refinancing | 15 | $1,805,000 | $120,000 | $505,000 | $82,000 | $253,000 |
| Refinancing | 12 | $1,740,000 | $145,000 | $455,000 | $88,000 | $233,000 |
| Home Improvement | 7 | $315,000 | $45,000 | $85,000 | $87,000 | $150,000 |
| Other Purpose | 4 | $310,000 | $77,000 | $145,000 | $158,000 | $372,000 |
| Not Applicable | 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 | 59 | $6,775,000 | $114,000 | $505,000 | $103,000 | $372,000 |
| Not applicable | 11 | $5,095,000 | $463,000 | $3,845,000 | $0 | $0 |
| Not Provided | 10 | $1,030,000 | $103,000 | $295,000 | $95,000 | $253,000 |
| American Indian or Alaskan Native | 3 | $155,000 | $51,000 | $75,000 | $51,000 | $85,000 |
| Black or African American | 1 | $515,000 | $515,000 | $515,000 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 65 | $11,545,000 | $177,000 | $3,845,000 | $107,000 | $372,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,250,000 | $156,000 | $505,000 | $84,000 | $209,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $390,000 | $65,000 | $75,000 | $54,000 | $99,000 |
| FHA-insured (Federal Housing Administration) | 5 | $385,000 | $77,000 | $95,000 | $50,000 | $70,000 |
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 | 44 | $9,650,000 | $219,000 | $3,845,000 | $103,000 | $372,000 |
| Application Denied By Financial Institution | 15 | $1,275,000 | $85,000 | $155,000 | $81,000 | $230,000 |
| Application Withdrawn By Applicant | 9 | $1,085,000 | $120,000 | $455,000 | $113,000 | $240,000 |
| Loan Purchased By The Institution | 8 | $660,000 | $82,000 | $125,000 | $0 | $0 |
| Application Approved But Not Accepted | 5 | $745,000 | $149,000 | $495,000 | $128,000 | $344,000 |
| File Closed For Incompleteness | 3 | $155,000 | $51,000 | $75,000 | $62,000 | $85,000 |
| 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 | 65 | $7,685,000 | $118,000 | $515,000 | $104,000 | $372,000 |
| Debt-To-Income Ratio | 8 | $5,020,000 | $627,000 | $3,845,000 | $73,000 | $147,000 |
| Credit History | 7 | $515,000 | $73,000 | $115,000 | $104,000 | $230,000 |
| Collateral | 4 | $350,000 | $87,000 | $145,000 | $67,000 | $144,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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