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2024 data HMDA 2024 disclosure official source

Barber County

77 mortgage applications, 28.6% denial rate. Verify FIPS 20007 with U.S. Census Bureau →

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Kansas · FIPS 20007

Local mortgage market. Barber County, Kansas saw 77 HMDA-reported mortgage applications in 2024. Lenders originated 38 of those loans and denied 22, producing a denial rate of 28.6% and an approval (origination) rate of 49.4%. The average loan amount was $97,338 at an average note rate of 7.13%, with applicants self-reporting average annual income of $36K. 21 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 2.7x, meaning typical borrowers took on mortgages of about 2.7 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 20007 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

77
Applications
38
Originated
28.6%
Denial Rate
49.4%
Approval Rate
$97,338
Avg Loan Amount
7.13%
Avg Interest Rate
$36K
Avg Applicant Income
2.7x
Loan-to-Income Ratio

Nearby Lenders in Barber 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 Rocket Mortgage 9 23.7%
2 Citizens Bank of Kansas 5 13.2%
3 Mortgage Research Center 3 7.9%
4 Legacy Bank 2 5.3%
5 Leaderone Financial CORP. 2 5.3%
Compare Rocket Mortgage vs Citizens Bank of Kansas →

Frequently Asked Questions

How many mortgage applications were filed in Barber County?
In the 2024 HMDA reporting year, 77 mortgage applications were filed in Barber County, Kansas. Of these, 38 were originated (approved and funded), while 22 were denied, resulting in a denial rate of 28.6%.
What is the mortgage denial rate in Barber County?
The mortgage denial rate in Barber County is 28.6%. The approval (origination) rate is 49.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Barber County?
The average mortgage loan amount in Barber County is $97,338. The average interest rate is 7.126%. The average applicant income is $36K.
What is the loan-to-income ratio in Barber County?
The average loan-to-income ratio in Barber County is 2.7x, meaning borrowers took on loans averaging 2.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Barber County?
The top mortgage lenders in Barber County by origination volume are Rocket Mortgage, Citizens Bank of Kansas, Mortgage Research Center. In total, 21 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.