PlainLender
2024 data HMDA 2024 disclosure official source

Douglas County

3,176 mortgage applications, 12.3% denial rate. Verify FIPS 20045 with U.S. Census Bureau →

PlainLender home → About this data

Kansas · FIPS 20045

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.

FIPS 20045 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,176
Applications
2,025
Originated
12.3%
Denial Rate
63.8%
Approval Rate
$252,110
Avg Loan Amount
7.22%
Avg Interest Rate
$36K
Avg Applicant Income
7.0x
Loan-to-Income Ratio

Nearby Lenders in Douglas 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 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%
Compare Mid America Bank vs Fairway Independent Mort CORP →

Frequently Asked Questions

How many mortgage applications were filed in Douglas County?
In the 2024 HMDA reporting year, 3,176 mortgage applications were filed in Douglas County, Kansas. Of these, 2,025 were originated (approved and funded), while 391 were denied, resulting in a denial rate of 12.3%.
What is the mortgage denial rate in Douglas County?
The mortgage denial rate in Douglas County is 12.3%. The approval (origination) rate is 63.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Douglas County?
The average mortgage loan amount in Douglas County is $252,110. The average interest rate is 7.218%. The average applicant income is $36K.
What is the loan-to-income ratio in Douglas County?
The average loan-to-income ratio in Douglas County is 7.0x, meaning borrowers took on loans averaging 7.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Douglas County?
The top mortgage lenders in Douglas County by origination volume are Mid America Bank, Fairway Independent Mort CORP, Truity Federal Credit Union. In total, 204 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.