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2024 data HMDA 2024 disclosure official source

Graham County

19 mortgage applications, 15.8% denial rate. Verify FIPS 20065 with U.S. Census Bureau →

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Kansas · FIPS 20065

Local mortgage market. Graham County, Kansas saw 19 HMDA-reported mortgage applications in 2024. Lenders originated 8 of those loans and denied 3, producing a denial rate of 15.8% and an approval (origination) rate of 42.1%. The average loan amount was $86,053 at an average note rate of 7.91%, with applicants self-reporting average annual income of $33K. 7 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 2.6x, meaning typical borrowers took on mortgages of about 2.6 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 20065 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

19
Applications
8
Originated
15.8%
Denial Rate
42.1%
Approval Rate
$86,053
Avg Loan Amount
7.91%
Avg Interest Rate
$33K
Avg Applicant Income
2.6x
Loan-to-Income Ratio

Nearby Lenders in Graham 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 Outdoor Bank 2 25.0%
2 Golden Plains Credit Union 1 12.5%
3 Emprise Bank 1 12.5%
4 Gnbank, N.A. 1 12.5%
5 Mortgage Investment Services Corporation 1 12.5%
Compare Outdoor Bank vs Golden Plains Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Graham County?
In the 2024 HMDA reporting year, 19 mortgage applications were filed in Graham County, Kansas. Of these, 8 were originated (approved and funded), while 3 were denied, resulting in a denial rate of 15.8%.
What is the mortgage denial rate in Graham County?
The mortgage denial rate in Graham County is 15.8%. The approval (origination) rate is 42.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Graham County?
The average mortgage loan amount in Graham County is $86,053. The average interest rate is 7.910%. The average applicant income is $33K.
What is the loan-to-income ratio in Graham County?
The average loan-to-income ratio in Graham County is 2.6x, meaning borrowers took on loans averaging 2.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Graham County?
The top mortgage lenders in Graham County by origination volume are Outdoor Bank, Golden Plains Credit Union, Emprise Bank. In total, 7 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.