Riley County
Kansas · FIPS 20161
According to CFPB HMDA 2024 application volume among U.S. counties, Riley County ranks #917 of 3,223, and #8 of 105 in Kansas.
Mortgage lending activity in Riley 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. Riley County, Kansas lenders denied 263 of the applications reported here, financing the rest at an average note rate of 6.96%, with applicants self-reporting average annual income of $35K. 148 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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 Riley County
In Riley County, lead originator Community First National Bank funded only 8.9% of 1,175 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Riley County's 2,099 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Riley County's $203,313 average loan (deduped against volume peers).
Lenders active in Riley County
Community First National Bank funded 104 of the 1,175 loans originated in Riley County, 8.9% of the county. 148 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Community First National Bank | 104 | 8.9% |
| 2 | Landmark National Bank | 92 | 7.8% |
| 3 | United Wholesale Mortgage | 71 | 6.0% |
| 4 | Triad Financial Services, INC. | 65 | 5.5% |
| 5 | Mortgage Research Center | 59 | 5.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Riley 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 Riley 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.