Cloud County
Kansas · FIPS 20029
According to CFPB HMDA 2024 application volume among U.S. counties, Cloud County ranks #2,622 of 3,210, and #48 of 105 in Kansas.
Mortgage lending activity in Cloud 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Cloud County
In Cloud County, lead originator Kaw Valley State Bank & Trust funded 16.8% of 107 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 43.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Cloud County's 188 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Cloud County's $125,053 average loan (deduped against volume peers).
Lenders active in Cloud County
Kaw Valley State Bank & Trust funded 18 of the 107 loans originated in Cloud County, 16.8% of the county. 29 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Cloud County borrowers.
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 Cloud County 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. 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.