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2024 data HMDA 2024 disclosure official source

Seward County

317 mortgage applications, 14.2% denial rate. Verify FIPS 20175 with U.S. Census Bureau →

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Kansas · FIPS 20175

Local mortgage market. Seward County, Kansas saw 317 HMDA-reported mortgage applications in 2024. Lenders originated 195 of those loans and denied 45, producing a denial rate of 14.2% and an approval (origination) rate of 61.5%. The average loan amount was $138,091 at an average note rate of 6.96%, with applicants self-reporting average annual income of $35K. 28 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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 20175 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

317
Applications
195
Originated
14.2%
Denial Rate
61.5%
Approval Rate
$138,091
Avg Loan Amount
6.96%
Avg Interest Rate
$35K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Seward 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 Golden Plains Credit Union 42 21.5%
2 Equity Bank 33 16.9%
3 United Wholesale Mortgage 29 14.9%
4 Cmg Mortgage INC 28 14.4%
5 Paramount Residential Mortgage 14 7.2%
Compare Golden Plains Credit Union vs Equity Bank →

Frequently Asked Questions

How many mortgage applications were filed in Seward County?
In the 2024 HMDA reporting year, 317 mortgage applications were filed in Seward County, Kansas. Of these, 195 were originated (approved and funded), while 45 were denied, resulting in a denial rate of 14.2%.
What is the mortgage denial rate in Seward County?
The mortgage denial rate in Seward County is 14.2%. The approval (origination) rate is 61.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Seward County?
The average mortgage loan amount in Seward County is $138,091. The average interest rate is 6.960%. The average applicant income is $35K.
What is the loan-to-income ratio in Seward County?
The average loan-to-income ratio in Seward County is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Seward County?
The top mortgage lenders in Seward County by origination volume are Golden Plains Credit Union, Equity Bank, United Wholesale Mortgage. In total, 28 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.