PlainLender
2024 data HMDA 2024 disclosure official source

Finney County

612 mortgage applications, 20.1% denial rate. Verify FIPS 20055 with U.S. Census Bureau →

PlainLender home → About this data

Kansas · FIPS 20055

Local mortgage market. Finney County, Kansas saw 612 HMDA-reported mortgage applications in 2024. Lenders originated 296 of those loans and denied 123, producing a denial rate of 20.1% and an approval (origination) rate of 48.4%. The average loan amount was $163,922 at an average note rate of 7.00%, with applicants self-reporting average annual income of $37K. 51 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 20055 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

612
Applications
296
Originated
20.1%
Denial Rate
48.4%
Approval Rate
$163,922
Avg Loan Amount
7.00%
Avg Interest Rate
$37K
Avg Applicant Income
4.4x
Loan-to-Income Ratio

Nearby Lenders in Finney 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 Golden Plains Credit Union 118 39.9%
2 Rocket Mortgage 34 11.5%
3 Guaranteed Rate, INC. 16 5.4%
4 United Wholesale Mortgage 16 5.4%
5 Commerce Bank 12 4.1%
Compare Golden Plains Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Finney County?
In the 2024 HMDA reporting year, 612 mortgage applications were filed in Finney County, Kansas. Of these, 296 were originated (approved and funded), while 123 were denied, resulting in a denial rate of 20.1%.
What is the mortgage denial rate in Finney County?
The mortgage denial rate in Finney County is 20.1%. The approval (origination) rate is 48.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Finney County?
The average mortgage loan amount in Finney County is $163,922. The average interest rate is 6.995%. The average applicant income is $37K.
What is the loan-to-income ratio in Finney County?
The average loan-to-income ratio in Finney 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 Finney County?
The top mortgage lenders in Finney County by origination volume are Golden Plains Credit Union, Rocket Mortgage, Guaranteed Rate, INC.. In total, 51 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.