Shawnee County
Kansas · FIPS 20177
According to CFPB HMDA 2024 application volume among U.S. counties, Shawnee County ranks #431 of 3,223, and #3 of 105 in Kansas.
Mortgage lending activity in Shawnee 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. Shawnee County, Kansas lenders denied 895 of the applications reported here, financing the rest at an average note rate of 7.28%, with applicants self-reporting average annual income of $35K. 199 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 Shawnee County
In Shawnee County, lead originator Envista Federal Credit Union funded 13.0% of 3,897 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 27.2% 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 Shawnee County's 6,272 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Shawnee County's $168,565 average loan (deduped against volume peers).
Lenders active in Shawnee County
Envista Federal Credit Union funded 506 of the 3,897 loans originated in Shawnee County, 13.0% of the county. 199 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Envista Federal Credit Union | 506 | 13.0% |
| 2 | CoreFirst Bank & Trust | 281 | 7.2% |
| 3 | Fairway Independent Mort CORP | 272 | 7.0% |
| 4 | Azura Credit Union | 268 | 6.9% |
| 5 | Flat Branch Mortgage, INC. | 236 | 6.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Shawnee 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 Shawnee 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.