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2024 data HMDA 2024 disclosure official source

Atchison County

510 mortgage applications, 15.1% denial rate. Verify FIPS 20005 with U.S. Census Bureau →

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Kansas · FIPS 20005

Local mortgage market. Atchison County, Kansas saw 510 HMDA-reported mortgage applications in 2024. Lenders originated 293 of those loans and denied 77, producing a denial rate of 15.1% and an approval (origination) rate of 57.5%. The average loan amount was $140,882 at an average note rate of 7.23%, with applicants self-reporting average annual income of $36K. 82 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 20005 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

510
Applications
293
Originated
15.1%
Denial Rate
57.5%
Approval Rate
$140,882
Avg Loan Amount
7.23%
Avg Interest Rate
$36K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Atchison County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Union State Bank of Everest 58 19.8%
2 Exchange Bank & Trust 35 11.9%
3 Rocket Mortgage 26 8.9%
4 PRIMELENDING 17 5.8%
5 Bayshore Mortgage Funding 7 2.4%
Compare Union State Bank of Everest vs Exchange Bank & Trust →

Frequently Asked Questions

How many mortgage applications were filed in Atchison County?
In the 2024 HMDA reporting year, 510 mortgage applications were filed in Atchison County, Kansas. Of these, 293 were originated (approved and funded), while 77 were denied, resulting in a denial rate of 15.1%.
What is the mortgage denial rate in Atchison County?
The mortgage denial rate in Atchison County is 15.1%. The approval (origination) rate is 57.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Atchison County?
The average mortgage loan amount in Atchison County is $140,882. The average interest rate is 7.231%. The average applicant income is $36K.
What is the loan-to-income ratio in Atchison County?
The average loan-to-income ratio in Atchison County is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Atchison County?
The top mortgage lenders in Atchison County by origination volume are Union State Bank of Everest, Exchange Bank & Trust, Rocket Mortgage. In total, 82 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.