Decatur County
Kansas · FIPS 20039
According to CFPB HMDA 2024 application volume among U.S. counties, Decatur County ranks #3,024 of 3,223, and #80 of 105 in Kansas.
Mortgage lending activity in Decatur 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. Decatur County, Kansas lenders denied 13 of the applications reported here, financing the rest at an average note rate of 7.63%, with applicants self-reporting average annual income of $36K. 15 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.0x, meaning typical borrowers took on mortgages of about 3.0 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Decatur County
In Decatur County, lead originator Mortgage Investment Services Corporation funded 20.8% of 24 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 45.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Decatur County's 54 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Decatur County's $108,889 average loan (deduped against volume peers).
Lenders active in Decatur County
Mortgage Investment Services Corporation funded 5 of the 24 loans originated in Decatur County, 20.8% of the county. 15 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Mortgage Investment Services Corporation | 5 | 20.8% |
| 2 | Rocket Mortgage | 4 | 16.7% |
| 3 | Mortgage Research Center | 2 | 8.3% |
| 4 | Coastal Community Bank | 2 | 8.3% |
| 5 | Farm Credit Mid-America, Aca | 1 | 4.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Decatur 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 Decatur 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.