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2024 data HMDA 2024 disclosure official source

Osage County

529 mortgage applications, 15.1% denial rate. Verify FIPS 20139 with U.S. Census Bureau →

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Kansas · FIPS 20139

Local mortgage market. Osage County, Kansas saw 529 HMDA-reported mortgage applications in 2024. Lenders originated 326 of those loans and denied 80, producing a denial rate of 15.1% and an approval (origination) rate of 61.6%. The average loan amount was $148,327 at an average note rate of 7.13%, with applicants self-reporting average annual income of $36K. 80 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.

FIPS 20139 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

529
Applications
326
Originated
15.1%
Denial Rate
61.6%
Approval Rate
$148,327
Avg Loan Amount
7.13%
Avg Interest Rate
$36K
Avg Applicant Income
4.1x
Loan-to-Income Ratio

Nearby Lenders in Osage 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 Rocket Mortgage 38 11.7%
2 Envista Federal Credit Union 36 11.0%
3 Lyndon State Bank 20 6.1%
4 Azura Credit Union 15 4.6%
5 Mortgage Research Center 13 4.0%
Compare Rocket Mortgage vs Envista Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Osage County?
In the 2024 HMDA reporting year, 529 mortgage applications were filed in Osage County, Kansas. Of these, 326 were originated (approved and funded), while 80 were denied, resulting in a denial rate of 15.1%.
What is the mortgage denial rate in Osage County?
The mortgage denial rate in Osage County is 15.1%. The approval (origination) rate is 61.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Osage County?
The average mortgage loan amount in Osage County is $148,327. The average interest rate is 7.127%. The average applicant income is $36K.
What is the loan-to-income ratio in Osage County?
The average loan-to-income ratio in Osage County is 4.1x, meaning borrowers took on loans averaging 4.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Osage County?
The top mortgage lenders in Osage County by origination volume are Rocket Mortgage, Envista Federal Credit Union, Lyndon State Bank. In total, 80 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.