Sedgwick County
Kansas · FIPS 20173
According to CFPB HMDA 2024 application volume among U.S. counties, Sedgwick County ranks #145 of 3,210, and #2 of 105 in Kansas.
Mortgage lending activity in Sedgwick 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Sedgwick County
In Sedgwick County, lead originator Credit Union of America funded only 6.7% of 10,820 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Sedgwick County's 19,368 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Sedgwick County's $194,152 average loan (deduped against volume peers).
Lenders active in Sedgwick County
Credit Union of America funded 720 of the 10,820 loans originated in Sedgwick County, 6.7% of the county. 307 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Sedgwick County borrowers.
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 Sedgwick County 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. 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.