Sumner County
Kansas · FIPS 20191
According to CFPB HMDA 2024 application volume among U.S. counties, Sumner County ranks #1,665 of 3,210, and #21 of 105 in Kansas.
Mortgage lending activity in Sumner 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. Sumner County, Kansas saw 752 HMDA-reported mortgage applications in 2024. Lenders originated 445 of those loans and denied 116, producing a denial rate of 15.4% and an approval (origination) rate of 59.2%. The average loan amount was $139,348 at an average note rate of 7.09%, with applicants self-reporting average annual income of $35K. 98 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 Sumner County
In Sumner County, lead originator Bank of Commerce & Trust Company funded only 7.9% of 445 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Sumner County's 752 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Sumner County's $139,348 average loan (deduped against volume peers).
Lenders active in Sumner County
Bank of Commerce & Trust Company funded 35 of the 445 loans originated in Sumner County, 7.9% of the county. 98 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Bank of Commerce & Trust Company | 35 | 7.9% |
| 2 | Flat Branch Mortgage, INC. | 25 | 5.6% |
| 3 | Home Bank & Trust CO. | 24 | 5.4% |
| 4 | Rocket Mortgage | 19 | 4.3% |
| 5 | Pennymac Loan Services LLC | 16 | 3.6% |
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 Sumner 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 Sumner 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.