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US » Kansas

Key Questions:

    1. How at risk is Kansas to the subprime mortgage crisis?
    1. Loans taken out by home owners in Kansas are within a +/- 10 percent band of the national average. That is to say, Kansas will likely be affected by the subprime mortgage crisis just like the average county in the US.
    2. How stretched will home owners in Kansas be in paying off their mortgage?
    1. Homeowners in Kansas borrowed an average of 1.43 times their annual income for their mortgage. This compares to 1.83 for all of the US. Based on the national average, there will be a normal risk that Kansas homeowners will default on their mortgage payments in the coming years.
    3. Who are the leading lenders in Kansas?
    1. The leading lenders, by market share, are Countrywide Home Loans, Beneficial Company Llc and Wells Fargo Bank, Na. Do you have the best rate possible? Get quotes from mortgage lenders.
    4. How likely are the owners of homes in Kansas to actually live in them?
    1. 91.5% of home owners in Kansas that applied for a mortgage in 2006 live in their homes versus owning them as an investment property. This compares to the national average of 89.0%.
2006 Mortgage Research Kansas US
Total Applications 229,921 33,304,682
Average Loan $109.8k $184.9k
Loan to Income Ratio 1.43 1.83
Subprime Loans 10.73% 11.98%
Refinancing Loans 48.83% 50.05%
Principal Dwellings 91.49% 88.97%
Rejected Applications 11.55% 12.36%
Top Ten Lenders
# Name Share Apps
1 Countrywide Home Loans 6.89% 15,849
2 Beneficial Company Llc 4.97% 11,418
3 Wells Fargo Bank, Na 3.94% 9,052
4 Bank Of America, N.A. 3.35% 7,697
5 Citimortgage, Inc 2.85% 6,545
6 Capitol Federal Savings Bank 2.28% 5,251
7 Hfc Company Llc 2.07% 4,766
8 Gmac Mortgage Llc 2.05% 4,717
9 Countrywide Bank, N.A. 1.97% 4,518
10 Ameriquest Mortgage Company 1.82% 4,180