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2024 data HMDA 2024 disclosure official source

Bourbon County

331 mortgage applications, 16.9% denial rate. Verify FIPS 20011 with U.S. Census Bureau →

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Kansas · FIPS 20011

Local mortgage market. Bourbon County, Kansas saw 331 HMDA-reported mortgage applications in 2024. Lenders originated 169 of those loans and denied 56, producing a denial rate of 16.9% and an approval (origination) rate of 51.1%. The average loan amount was $135,725 at an average note rate of 6.90%, with applicants self-reporting average annual income of $35K. 57 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 20011 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

331
Applications
169
Originated
16.9%
Denial Rate
51.1%
Approval Rate
$135,725
Avg Loan Amount
6.90%
Avg Interest Rate
$35K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Bourbon 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 Citizens Bank of Amsterdam 23 13.6%
2 Umb Bank NA 13 7.7%
3 Rocket Mortgage 12 7.1%
4 Landmark National Bank 11 6.5%
5 Flat Branch Mortgage, INC. 8 4.7%
Compare Citizens Bank of Amsterdam vs Umb Bank NA →

Frequently Asked Questions

How many mortgage applications were filed in Bourbon County?
In the 2024 HMDA reporting year, 331 mortgage applications were filed in Bourbon County, Kansas. Of these, 169 were originated (approved and funded), while 56 were denied, resulting in a denial rate of 16.9%.
What is the mortgage denial rate in Bourbon County?
The mortgage denial rate in Bourbon County is 16.9%. The approval (origination) rate is 51.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bourbon County?
The average mortgage loan amount in Bourbon County is $135,725. The average interest rate is 6.898%. The average applicant income is $35K.
What is the loan-to-income ratio in Bourbon County?
The average loan-to-income ratio in Bourbon 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 Bourbon County?
The top mortgage lenders in Bourbon County by origination volume are Citizens Bank of Amsterdam, Umb Bank NA, Rocket Mortgage. In total, 57 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.