Wabaunsee County
Kansas · FIPS 20197
According to CFPB HMDA 2024 application volume among U.S. counties, Wabaunsee County ranks #2,547 of 3,210, and #44 of 105 in Kansas.
Mortgage lending activity in Wabaunsee 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Wabaunsee County
In Wabaunsee County, lead originator Bank of the Flint Hills funded only 8.6% of 139 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 20.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Wabaunsee County's 215 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Wabaunsee County's $174,349 average loan (deduped against volume peers).
Lenders active in Wabaunsee County
Bank of the Flint Hills funded 12 of the 139 loans originated in Wabaunsee County, 8.6% of the county. 55 lenders reported activity here.
| # | 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% |
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 Wabaunsee 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 Wabaunsee 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.