Wyandotte County
Kansas · FIPS 20209
According to CFPB HMDA 2024 application volume among U.S. counties, Wyandotte County ranks #462 of 3,223, and #4 of 105 in Kansas.
Mortgage lending activity in Wyandotte 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. Wyandotte County, Kansas lenders denied 1,098 of the applications reported here, financing the rest at an average note rate of 7.00%, with applicants self-reporting average annual income of $38K. 246 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Wyandotte County
In Wyandotte County, lead originator Communityamerica Credit Union funded only 9.3% of 2,902 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Wyandotte County's 5,739 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Wyandotte County's $182,667 average loan (deduped against volume peers).
Lenders active in Wyandotte County
Communityamerica Credit Union funded 269 of the 2,902 loans originated in Wyandotte County, 9.3% of the county. 246 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Communityamerica Credit Union | 269 | 9.3% |
| 2 | Rocket Mortgage | 183 | 6.3% |
| 3 | United Wholesale Mortgage | 106 | 3.7% |
| 4 | Fairway Independent Mort CORP | 104 | 3.6% |
| 5 | Capitol Federal Savings Bank | 98 | 3.4% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Wyandotte County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Wyandotte County borrowers. 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.