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2024 data HMDA 2024 disclosure official source

Reno County

1,704 mortgage applications, 12.0% denial rate. Verify FIPS 20155 with U.S. Census Bureau →

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Kansas · FIPS 20155

Local mortgage market. Reno County, Kansas saw 1,704 HMDA-reported mortgage applications in 2024. Lenders originated 983 of those loans and denied 205, producing a denial rate of 12.0% and an approval (origination) rate of 57.7%. The average loan amount was $136,338 at an average note rate of 7.24%, with applicants self-reporting average annual income of $36K. 119 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.8x, meaning typical borrowers took on mortgages of about 3.8 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 20155 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,704
Applications
983
Originated
12.0%
Denial Rate
57.7%
Approval Rate
$136,338
Avg Loan Amount
7.24%
Avg Interest Rate
$36K
Avg Applicant Income
3.8x
Loan-to-Income Ratio

Nearby Lenders in Reno 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 158 16.1%
2 Heartland Credit Union 113 11.5%
3 First National Bank of Hutchinson 101 10.3%
4 Primary Residential Mortgage, INC. 98 10.0%
5 Rocket Mortgage 52 5.3%
Compare Peoples Bank and Trust Co vs Heartland Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Reno County?
In the 2024 HMDA reporting year, 1,704 mortgage applications were filed in Reno County, Kansas. Of these, 983 were originated (approved and funded), while 205 were denied, resulting in a denial rate of 12.0%.
What is the mortgage denial rate in Reno County?
The mortgage denial rate in Reno County is 12.0%. The approval (origination) rate is 57.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Reno County?
The average mortgage loan amount in Reno County is $136,338. The average interest rate is 7.242%. The average applicant income is $36K.
What is the loan-to-income ratio in Reno County?
The average loan-to-income ratio in Reno County is 3.8x, meaning borrowers took on loans averaging 3.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Reno County?
The top mortgage lenders in Reno County by origination volume are Peoples Bank and Trust Co, Heartland Credit Union, First National Bank of Hutchinson. In total, 119 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.