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2024 data HMDA 2024 disclosure official source

Marion County

268 mortgage applications, 18.3% denial rate. Verify FIPS 20115 with U.S. Census Bureau →

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Kansas · FIPS 20115

Local mortgage market. Marion County, Kansas saw 268 HMDA-reported mortgage applications in 2024. Lenders originated 148 of those loans and denied 49, producing a denial rate of 18.3% and an approval (origination) rate of 55.2%. The average loan amount was $131,978 at an average note rate of 7.32%, with applicants self-reporting average annual income of $36K. 52 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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 20115 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

268
Applications
148
Originated
18.3%
Denial Rate
55.2%
Approval Rate
$131,978
Avg Loan Amount
7.32%
Avg Interest Rate
$36K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Marion 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 15 10.1%
2 Emprise Bank 14 9.5%
3 Gateway First Bank 14 9.5%
4 Central National Bank 10 6.8%
5 Peoples Bank and Trust Co 7 4.7%
Compare The Citizens State Bank vs Emprise Bank →

Frequently Asked Questions

How many mortgage applications were filed in Marion County?
In the 2024 HMDA reporting year, 268 mortgage applications were filed in Marion County, Kansas. Of these, 148 were originated (approved and funded), while 49 were denied, resulting in a denial rate of 18.3%.
What is the mortgage denial rate in Marion County?
The mortgage denial rate in Marion County is 18.3%. The approval (origination) rate is 55.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Marion County?
The average mortgage loan amount in Marion County is $131,978. The average interest rate is 7.321%. The average applicant income is $36K.
What is the loan-to-income ratio in Marion County?
The average loan-to-income ratio in Marion County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Marion County?
The top mortgage lenders in Marion County by origination volume are The Citizens State Bank, Emprise Bank, Gateway First Bank. In total, 52 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.