Reno County
Kansas · FIPS 20155
According to CFPB HMDA 2024 application volume among U.S. counties, Reno County ranks #1,024 of 3,223, and #9 of 105 in Kansas.
Mortgage lending activity in Reno 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. Reno County, Kansas lenders denied 205 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Reno County
In Reno County, lead originator Peoples Bank and Trust Co funded 16.1% of 983 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 37.8% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Reno County's 1,704 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Reno County's $136,338 average loan (deduped against volume peers).
Lenders active in Reno County
Peoples Bank and Trust Co funded 158 of the 983 loans originated in Reno County, 16.1% of the county. 119 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Reno 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 Reno 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.