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2024 data HMDA 2024 disclosure official source

Shawnee County

6,272 mortgage applications, 14.3% denial rate. Verify FIPS 20177 with U.S. Census Bureau →

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Kansas · FIPS 20177

Local mortgage market. Shawnee County, Kansas saw 6,272 HMDA-reported mortgage applications in 2024. Lenders originated 3,897 of those loans and denied 895, producing a denial rate of 14.3% and an approval (origination) rate of 62.1%. The average loan amount was $168,565 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.

FIPS 20177 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,272
Applications
3,897
Originated
14.3%
Denial Rate
62.1%
Approval Rate
$168,565
Avg Loan Amount
7.28%
Avg Interest Rate
$35K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Shawnee 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 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%
Compare Envista Federal Credit Union vs CoreFirst Bank & Trust →

Frequently Asked Questions

How many mortgage applications were filed in Shawnee County?
In the 2024 HMDA reporting year, 6,272 mortgage applications were filed in Shawnee County, Kansas. Of these, 3,897 were originated (approved and funded), while 895 were denied, resulting in a denial rate of 14.3%.
What is the mortgage denial rate in Shawnee County?
The mortgage denial rate in Shawnee County is 14.3%. The approval (origination) rate is 62.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Shawnee County?
The average mortgage loan amount in Shawnee County is $168,565. The average interest rate is 7.279%. The average applicant income is $35K.
What is the loan-to-income ratio in Shawnee County?
The average loan-to-income ratio in Shawnee County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Shawnee County?
The top mortgage lenders in Shawnee County by origination volume are Envista Federal Credit Union, CoreFirst Bank & Trust, Fairway Independent Mort CORP. In total, 199 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.