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2024 data HMDA 2024 disclosure official source

Cloud County

188 mortgage applications, 13.3% denial rate. Verify FIPS 20029 with U.S. Census Bureau →

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Kansas · FIPS 20029

Local mortgage market. Cloud County, Kansas saw 188 HMDA-reported mortgage applications in 2024. Lenders originated 107 of those loans and denied 25, producing a denial rate of 13.3% and an approval (origination) rate of 56.9%. The average loan amount was $125,053 at an average note rate of 7.13%, with applicants self-reporting average annual income of $36K. 29 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.

FIPS 20029 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

188
Applications
107
Originated
13.3%
Denial Rate
56.9%
Approval Rate
$125,053
Avg Loan Amount
7.13%
Avg Interest Rate
$36K
Avg Applicant Income
3.5x
Loan-to-Income Ratio

Nearby Lenders in Cloud 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 Kaw Valley State Bank & Trust 18 16.8%
2 The Bennington State Bank 15 14.0%
3 Mortgage Investment Services Corporation 13 12.1%
4 The Citizens National Bank 11 10.3%
5 Rocket Mortgage 7 6.5%
Compare Kaw Valley State Bank & Trust vs The Bennington State Bank →

Frequently Asked Questions

How many mortgage applications were filed in Cloud County?
In the 2024 HMDA reporting year, 188 mortgage applications were filed in Cloud County, Kansas. Of these, 107 were originated (approved and funded), while 25 were denied, resulting in a denial rate of 13.3%.
What is the mortgage denial rate in Cloud County?
The mortgage denial rate in Cloud County is 13.3%. The approval (origination) rate is 56.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Cloud County?
The average mortgage loan amount in Cloud County is $125,053. The average interest rate is 7.126%. The average applicant income is $36K.
What is the loan-to-income ratio in Cloud County?
The average loan-to-income ratio in Cloud County is 3.5x, meaning borrowers took on loans averaging 3.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Cloud County?
The top mortgage lenders in Cloud County by origination volume are Kaw Valley State Bank & Trust, The Bennington State Bank, Mortgage Investment Services Corporation. In total, 29 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.