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2024 data HMDA 2024 disclosure official source

Kingman County

192 mortgage applications, 16.1% denial rate. Verify FIPS 20095 with U.S. Census Bureau →

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Kansas · FIPS 20095

Local mortgage market. Kingman County, Kansas saw 192 HMDA-reported mortgage applications in 2024. Lenders originated 104 of those loans and denied 31, producing a denial rate of 16.1% and an approval (origination) rate of 54.2%. The average loan amount was $149,115 at an average note rate of 7.09%, with applicants self-reporting average annual income of $37K. 54 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 20095 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

192
Applications
104
Originated
16.1%
Denial Rate
54.2%
Approval Rate
$149,115
Avg Loan Amount
7.09%
Avg Interest Rate
$37K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Kingman 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 The Citizens State Bank of Cheney, Kansas 12 11.5%
2 Citizens Bank of Kansas 7 6.7%
3 Rocket Mortgage 6 5.8%
4 Guild Mortgage Company 5 4.8%
5 Flat Branch Mortgage, INC. 4 3.8%
Compare The Citizens State Bank of Cheney, Kansas vs Citizens Bank of Kansas →

Frequently Asked Questions

How many mortgage applications were filed in Kingman County?
In the 2024 HMDA reporting year, 192 mortgage applications were filed in Kingman County, Kansas. Of these, 104 were originated (approved and funded), while 31 were denied, resulting in a denial rate of 16.1%.
What is the mortgage denial rate in Kingman County?
The mortgage denial rate in Kingman County is 16.1%. The approval (origination) rate is 54.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Kingman County?
The average mortgage loan amount in Kingman County is $149,115. The average interest rate is 7.088%. The average applicant income is $37K.
What is the loan-to-income ratio in Kingman County?
The average loan-to-income ratio in Kingman County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Kingman County?
The top mortgage lenders in Kingman County by origination volume are The Citizens State Bank of Cheney, Kansas, Citizens Bank of Kansas, Rocket Mortgage. In total, 54 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.