Atchison County
Kansas · FIPS 20005
According to CFPB HMDA 2024 application volume among U.S. counties, Atchison County ranks #1,999 of 3,210, and #29 of 105 in Kansas.
Mortgage lending activity in Atchison County, Kansas based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Atchison County
In Atchison County, lead originator Union State Bank of Everest funded 19.8% of 293 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 40.6% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Atchison County's 510 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Atchison County's $140,882 average loan (deduped against volume peers).
Lenders active in Atchison County
Union State Bank of Everest funded 58 of the 293 loans originated in Atchison County, 19.8% of the county. 82 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Atchison County borrowers.
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 Atchison County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.