Clark County
Kansas · FIPS 20025
According to CFPB HMDA 2024 application volume among U.S. counties, Clark County ranks #3,147 of 3,223, and #98 of 105 in Kansas.
Mortgage lending activity in Clark 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. Clark County, Kansas lenders denied 3 of the applications reported here, financing the rest at an average note rate of 6.61%, with applicants self-reporting average annual income of $35K. 6 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 Clark County
In Clark County, lead originator Landmark National Bank funded 33.3% of 12 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 75.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Clark County's 21 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Clark County's $122,619 average loan (deduped against volume peers).
Lenders active in Clark County
Landmark National Bank funded 4 of the 12 loans originated in Clark County, 33.3% of the county. 6 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Landmark National Bank | 4 | 33.3% |
| 2 | Rocket Mortgage | 3 | 25.0% |
| 3 | Mortgage Investment Services Corporation | 2 | 16.7% |
| 4 | PRIMELENDING | 1 | 8.3% |
| 5 | Prosperity Home Mortgage, LLC | 1 | 8.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Clark 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 Clark 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.