Chautauqua County
Kansas · FIPS 20019
According to CFPB HMDA 2024 application volume among U.S. counties, Chautauqua County ranks #3,084 of 3,223, and #86 of 105 in Kansas.
Mortgage lending activity in Chautauqua 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. Chautauqua County, Kansas lenders denied 8 of the applications reported here, financing the rest at an average note rate of 7.76%, with applicants self-reporting average annual income of $33K. 15 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 Chautauqua County
In Chautauqua County, lead originator Gnbank, N.A. funded 17.4% of 23 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 43.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Chautauqua County's 39 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Chautauqua County's $131,923 average loan (deduped against volume peers).
Lenders active in Chautauqua County
Gnbank, N.A. funded 4 of the 23 loans originated in Chautauqua County, 17.4% of the county. 15 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Gnbank, N.A. | 4 | 17.4% |
| 2 | Community National Bank & Trust | 3 | 13.0% |
| 3 | Rocket Mortgage | 3 | 13.0% |
| 4 | People'S Bank of Seneca | 2 | 8.7% |
| 5 | Farm Credit Mid-America, Aca | 1 | 4.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Chautauqua County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Chautauqua County borrowers. 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.