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2024 data HMDA 2024 disclosure official source

Wabaunsee County

215 mortgage applications, 14.9% denial rate. Verify FIPS 20197 with U.S. Census Bureau →

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Kansas · FIPS 20197

Local mortgage market. Wabaunsee County, Kansas saw 215 HMDA-reported mortgage applications in 2024. Lenders originated 139 of those loans and denied 32, producing a denial rate of 14.9% and an approval (origination) rate of 64.7%. The average loan amount was $174,349 at an average note rate of 7.25%, with applicants self-reporting average annual income of $35K. 55 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.0x, meaning typical borrowers took on mortgages of about 5.0 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 20197 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

215
Applications
139
Originated
14.9%
Denial Rate
64.7%
Approval Rate
$174,349
Avg Loan Amount
7.25%
Avg Interest Rate
$35K
Avg Applicant Income
5.0x
Loan-to-Income Ratio

Nearby Lenders in Wabaunsee 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 the Flint Hills 12 8.6%
2 Stockgrowers State Bank 9 6.5%
3 Envista Federal Credit Union 8 5.8%
4 Flint Hills Bank 8 5.8%
5 Fairway Independent Mort CORP 7 5.0%
Compare Bank of the Flint Hills vs Stockgrowers State Bank →

Frequently Asked Questions

How many mortgage applications were filed in Wabaunsee County?
In the 2024 HMDA reporting year, 215 mortgage applications were filed in Wabaunsee County, Kansas. Of these, 139 were originated (approved and funded), while 32 were denied, resulting in a denial rate of 14.9%.
What is the mortgage denial rate in Wabaunsee County?
The mortgage denial rate in Wabaunsee County is 14.9%. The approval (origination) rate is 64.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Wabaunsee County?
The average mortgage loan amount in Wabaunsee County is $174,349. The average interest rate is 7.255%. The average applicant income is $35K.
What is the loan-to-income ratio in Wabaunsee County?
The average loan-to-income ratio in Wabaunsee County is 5.0x, meaning borrowers took on loans averaging 5.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Wabaunsee County?
The top mortgage lenders in Wabaunsee County by origination volume are Bank of the Flint Hills, Stockgrowers State Bank, Envista Federal Credit Union. In total, 55 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.