Coffey County
Kansas · FIPS 20031
According to CFPB HMDA 2024 application volume among U.S. counties, Coffey County ranks #2,627 of 3,223, and #47 of 105 in Kansas.
Mortgage lending activity in Coffey 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. Coffey County, Kansas lenders denied 25 of the applications reported here, financing the rest at an average note rate of 7.16%, with applicants self-reporting average annual income of $36K. 53 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 Coffey County
In Coffey County, lead originator The Citizens State Bank funded 18.3% of 115 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 28.7% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Coffey County's 190 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Coffey County's $161,789 average loan (deduped against volume peers).
Lenders active in Coffey County
The Citizens State Bank funded 21 of the 115 loans originated in Coffey County, 18.3% of the county. 53 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Citizens State Bank | 21 | 18.3% |
| 2 | Rocket Mortgage | 6 | 5.2% |
| 3 | Central National Bank | 6 | 5.2% |
| 4 | ESB Financial | 6 | 5.2% |
| 5 | NBH Bank | 5 | 4.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Coffey 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 Coffey 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.