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2024 data HMDA 2024 disclosure official source

Sumner County

752 mortgage applications, 15.4% denial rate. Verify FIPS 20191 with U.S. Census Bureau →

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Kansas · FIPS 20191

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.

FIPS 20191 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

752
Applications
445
Originated
15.4%
Denial Rate
59.2%
Approval Rate
$139,348
Avg Loan Amount
7.09%
Avg Interest Rate
$35K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Sumner 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 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%
Compare Bank of Commerce & Trust Company vs Flat Branch Mortgage, INC. →

Frequently Asked Questions

How many mortgage applications were filed in Sumner County?
In the 2024 HMDA reporting year, 752 mortgage applications were filed in Sumner County, Kansas. Of these, 445 were originated (approved and funded), while 116 were denied, resulting in a denial rate of 15.4%.
What is the mortgage denial rate in Sumner County?
The mortgage denial rate in Sumner County is 15.4%. The approval (origination) rate is 59.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Sumner County?
The average mortgage loan amount in Sumner County is $139,348. The average interest rate is 7.087%. The average applicant income is $35K.
What is the loan-to-income ratio in Sumner County?
The average loan-to-income ratio in Sumner County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Sumner County?
The top mortgage lenders in Sumner County by origination volume are Bank of Commerce & Trust Company, Flat Branch Mortgage, INC., Home Bank & Trust CO.. In total, 98 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.