Douglas County
Kansas · FIPS 20045
According to CFPB HMDA 2024 application volume among U.S. counties, Douglas County ranks #691 of 3,210, and #6 of 105 in Kansas.
Mortgage lending activity in Douglas 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. Douglas County, Kansas saw 3,176 HMDA-reported mortgage applications in 2024. Lenders originated 2,025 of those loans and denied 391, producing a denial rate of 12.3% and an approval (origination) rate of 63.8%. The average loan amount was $252,110 at an average note rate of 7.22%, with applicants self-reporting average annual income of $36K. 204 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.0x, meaning typical borrowers took on mortgages of about 7.0 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 Douglas County
In Douglas County, lead originator Mid America Bank funded 11.2% of 2,025 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 24.3% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Douglas County's 3,176 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Douglas County's $252,110 average loan (deduped against volume peers).
Lenders active in Douglas County
Mid America Bank funded 226 of the 2,025 loans originated in Douglas County, 11.2% of the county. 204 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Mid America Bank | 226 | 11.2% |
| 2 | Fairway Independent Mort CORP | 135 | 6.7% |
| 3 | Truity Federal Credit Union | 132 | 6.5% |
| 4 | Rocket Mortgage | 130 | 6.4% |
| 5 | Capitol Federal Savings Bank | 97 | 4.8% |
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 Douglas 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 Douglas 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.