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2024 data HMDA 2024 disclosure official source

McPherson County

815 mortgage applications, 10.9% denial rate. Verify FIPS 20113 with U.S. Census Bureau →

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Kansas · FIPS 20113

Local mortgage market. McPherson County, Kansas saw 815 HMDA-reported mortgage applications in 2024. Lenders originated 539 of those loans and denied 89, producing a denial rate of 10.9% and an approval (origination) rate of 66.1%. The average loan amount was $165,331 at an average note rate of 7.13%, with applicants self-reporting average annual income of $34K. 70 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 20113 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

815
Applications
539
Originated
10.9%
Denial Rate
66.1%
Approval Rate
$165,331
Avg Loan Amount
7.13%
Avg Interest Rate
$34K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in McPherson 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 Peoples Bank and Trust Co 221 41.0%
2 Flat Branch Mortgage, INC. 75 13.9%
3 Gateway First Bank 29 5.4%
4 The Citizens State Bank 28 5.2%
5 Primary Residential Mortgage, INC. 21 3.9%
Compare Peoples Bank and Trust Co vs Flat Branch Mortgage, INC. →

Frequently Asked Questions

How many mortgage applications were filed in McPherson County?
In the 2024 HMDA reporting year, 815 mortgage applications were filed in McPherson County, Kansas. Of these, 539 were originated (approved and funded), while 89 were denied, resulting in a denial rate of 10.9%.
What is the mortgage denial rate in McPherson County?
The mortgage denial rate in McPherson County is 10.9%. The approval (origination) rate is 66.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in McPherson County?
The average mortgage loan amount in McPherson County is $165,331. The average interest rate is 7.131%. The average applicant income is $34K.
What is the loan-to-income ratio in McPherson County?
The average loan-to-income ratio in McPherson County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in McPherson County?
The top mortgage lenders in McPherson County by origination volume are Peoples Bank and Trust Co, Flat Branch Mortgage, INC., Gateway First Bank. In total, 70 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.