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2024 data HMDA 2024 disclosure official source

Cowley County

917 mortgage applications, 16.9% denial rate. Verify FIPS 20035 with U.S. Census Bureau →

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Kansas · FIPS 20035

Local mortgage market. Cowley County, Kansas saw 917 HMDA-reported mortgage applications in 2024. Lenders originated 495 of those loans and denied 155, producing a denial rate of 16.9% and an approval (origination) rate of 54.0%. The average loan amount was $138,621 at an average note rate of 7.43%, with applicants self-reporting average annual income of $35K. 105 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.

FIPS 20035 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

917
Applications
495
Originated
16.9%
Denial Rate
54.0%
Approval Rate
$138,621
Avg Loan Amount
7.43%
Avg Interest Rate
$35K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Cowley 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 Community National Bank & Trust 86 17.4%
2 Union State Bank 39 7.9%
3 Rcb Bank 35 7.1%
4 Rocket Mortgage 24 4.8%
5 Flat Branch Mortgage, INC. 16 3.2%
Compare Community National Bank & Trust vs Union State Bank →

Frequently Asked Questions

How many mortgage applications were filed in Cowley County?
In the 2024 HMDA reporting year, 917 mortgage applications were filed in Cowley County, Kansas. Of these, 495 were originated (approved and funded), while 155 were denied, resulting in a denial rate of 16.9%.
What is the mortgage denial rate in Cowley County?
The mortgage denial rate in Cowley County is 16.9%. The approval (origination) rate is 54.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Cowley County?
The average mortgage loan amount in Cowley County is $138,621. The average interest rate is 7.434%. The average applicant income is $35K.
What is the loan-to-income ratio in Cowley County?
The average loan-to-income ratio in Cowley County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Cowley County?
The top mortgage lenders in Cowley County by origination volume are Community National Bank & Trust, Union State Bank, Rcb Bank. In total, 105 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.