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2024 data HMDA 2024 disclosure official source

Sedgwick County

19,368 mortgage applications, 15.0% denial rate. Verify FIPS 20173 with U.S. Census Bureau →

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Kansas · FIPS 20173

Local mortgage market. Sedgwick County, Kansas saw 19,368 HMDA-reported mortgage applications in 2024. Lenders originated 10,820 of those loans and denied 2,904, producing a denial rate of 15.0% and an approval (origination) rate of 55.9%. The average loan amount was $194,152 at an average note rate of 7.17%, with applicants self-reporting average annual income of $36K. 307 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 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 20173 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

19,368
Applications
10,820
Originated
15.0%
Denial Rate
55.9%
Approval Rate
$194,152
Avg Loan Amount
7.17%
Avg Interest Rate
$36K
Avg Applicant Income
5.4x
Loan-to-Income Ratio

Nearby Lenders in Sedgwick 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 Credit Union of America 720 6.7%
2 Meritrust Federal Credit Union 714 6.6%
3 Fidelity Bank 655 6.1%
4 Rocket Mortgage 547 5.1%
5 Emprise Bank 382 3.5%
Compare Credit Union of America vs Meritrust Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Sedgwick County?
In the 2024 HMDA reporting year, 19,368 mortgage applications were filed in Sedgwick County, Kansas. Of these, 10,820 were originated (approved and funded), while 2,904 were denied, resulting in a denial rate of 15.0%.
What is the mortgage denial rate in Sedgwick County?
The mortgage denial rate in Sedgwick County is 15.0%. The approval (origination) rate is 55.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Sedgwick County?
The average mortgage loan amount in Sedgwick County is $194,152. The average interest rate is 7.173%. The average applicant income is $36K.
What is the loan-to-income ratio in Sedgwick County?
The average loan-to-income ratio in Sedgwick County is 5.4x, meaning borrowers took on loans averaging 5.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Sedgwick County?
The top mortgage lenders in Sedgwick County by origination volume are Credit Union of America, Meritrust Federal Credit Union, Fidelity Bank. In total, 307 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.