Lyon County
Kansas · FIPS 20111
According to CFPB HMDA 2024 application volume among U.S. counties, Lyon County ranks #1,792 of 3,223, and #22 of 105 in Kansas.
Mortgage lending activity in Lyon 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. Lyon County, Kansas lenders denied 90 of the applications reported here, financing the rest at an average note rate of 7.27%, with applicants self-reporting average annual income of $36K. 64 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 Lyon County
In Lyon County, lead originator NBH Bank funded 22.3% of 359 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 47.1% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Lyon County's 667 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lyon County's $149,168 average loan (deduped against volume peers).
Lenders active in Lyon County
NBH Bank funded 80 of the 359 loans originated in Lyon County, 22.3% of the county. 64 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | NBH Bank | 80 | 22.3% |
| 2 | ESB Financial | 52 | 14.5% |
| 3 | Community National Bank & Trust | 37 | 10.3% |
| 4 | Rocket Mortgage | 22 | 6.1% |
| 5 | Capitol Federal Savings Bank | 14 | 3.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Lyon 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 Lyon 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.