Ford County
Kansas · FIPS 20057
According to CFPB HMDA 2024 application volume among U.S. counties, Ford County ranks #1,946 of 3,210, and #26 of 105 in Kansas.
Mortgage lending activity in Ford 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. Ford County, Kansas saw 544 HMDA-reported mortgage applications in 2024. Lenders originated 297 of those loans and denied 73, producing a denial rate of 13.4% and an approval (origination) rate of 54.6%. The average loan amount was $201,232 at an average note rate of 6.70%, with applicants self-reporting average annual income of $37K. 69 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Ford County
In Ford County, lead originator Landmark National Bank funded 31.0% of 297 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 44.1% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Ford County's 544 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Ford County's $201,232 average loan (deduped against volume peers).
Lenders active in Ford County
Landmark National Bank funded 92 of the 297 loans originated in Ford County, 31.0% of the county. 69 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Landmark National Bank | 92 | 31.0% |
| 2 | Sunflower Bank, N.A. | 20 | 6.7% |
| 3 | Rocket Mortgage | 19 | 6.4% |
| 4 | Golden Plains Credit Union | 14 | 4.7% |
| 5 | United Wholesale Mortgage | 13 | 4.4% |
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 Ford 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 Ford 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.