Elk County
Kansas · FIPS 20049
According to CFPB HMDA 2024 application volume among U.S. counties, Elk County ranks #3,114 of 3,223, and #93 of 105 in Kansas.
Mortgage lending activity in Elk 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. Elk County, Kansas lenders denied 5 of the applications reported here, financing the rest at an average note rate of 7.21%, with applicants self-reporting average annual income of $33K. 13 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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 Elk County
In Elk County, lead originator Farm Credit Mid-America, Aca funded 14.3% of 21 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 42.9% 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 Elk County's 31 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Elk County's $135,968 average loan (deduped against volume peers).
Lenders active in Elk County
Farm Credit Mid-America, Aca funded 3 of the 21 loans originated in Elk County, 14.3% of the county. 13 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Farm Credit Mid-America, Aca | 3 | 14.3% |
| 2 | Community National Bank & Trust | 3 | 14.3% |
| 3 | Rocket Mortgage | 3 | 14.3% |
| 4 | Home Bank & Trust CO. | 2 | 9.5% |
| 5 | Bank of Commerce | 2 | 9.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Elk 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 Elk 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.