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2024 data HMDA 2024 disclosure official source

Dickinson County

524 mortgage applications, 12.8% denial rate. Verify FIPS 20041 with U.S. Census Bureau →

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Kansas · FIPS 20041

Local mortgage market. Dickinson County, Kansas saw 524 HMDA-reported mortgage applications in 2024. Lenders originated 276 of those loans and denied 67, producing a denial rate of 12.8% and an approval (origination) rate of 52.7%. The average loan amount was $154,905 at an average note rate of 7.01%, with applicants self-reporting average annual income of $35K. 68 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 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 20041 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

524
Applications
276
Originated
12.8%
Denial Rate
52.7%
Approval Rate
$154,905
Avg Loan Amount
7.01%
Avg Interest Rate
$35K
Avg Applicant Income
4.4x
Loan-to-Income Ratio

Nearby Lenders in Dickinson 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 Pinnacle Bank 45 16.3%
2 Mortgage Research Center 26 9.4%
3 Rocket Mortgage 21 7.6%
4 Fairway Independent Mort CORP 19 6.9%
5 Landmark National Bank 18 6.5%
Compare Pinnacle Bank vs Mortgage Research Center →

Frequently Asked Questions

How many mortgage applications were filed in Dickinson County?
In the 2024 HMDA reporting year, 524 mortgage applications were filed in Dickinson County, Kansas. Of these, 276 were originated (approved and funded), while 67 were denied, resulting in a denial rate of 12.8%.
What is the mortgage denial rate in Dickinson County?
The mortgage denial rate in Dickinson County is 12.8%. The approval (origination) rate is 52.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dickinson County?
The average mortgage loan amount in Dickinson County is $154,905. The average interest rate is 7.009%. The average applicant income is $35K.
What is the loan-to-income ratio in Dickinson County?
The average loan-to-income ratio in Dickinson County is 4.4x, meaning borrowers took on loans averaging 4.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Dickinson County?
The top mortgage lenders in Dickinson County by origination volume are Pinnacle Bank, Mortgage Research Center, Rocket Mortgage. In total, 68 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.