KS · Statewide HMDA 2024
Kansas mortgage lending
According to the CFPB HMDA 2024 Snapshot, 648 reporting lenders · 105 counties · 7 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Kansas ranks #35 of 54 by application volume but #9 of 52 states with 10,000+ applications on origination share (56.7%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #9
- Origination-share rank of 52
- 56.7%
- Origination share
- 53,717
- Originated
- 14.3%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
94,784reported applications
CFPB HMDA state filing plate
State KS · Kansas 14.3% denial
VOL-LIGHT · DEN-LIGHT · NEAR-PEER · ORIG-LOW · BOOK-FULL · LEAD-MIX
- VOL-LIGHT #35/54
- DEN-LIGHT 14.3%
- NEAR-PEER Alaska
- ORIG-LOW 56.7%
- BOOK-FULL 648 lenders
- LEAD-MIX 6% top
Photo-finish peer: Alaska · 14.1% denial (-0.2pp vs Kansas)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Kansas
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Kansas: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (14.3% here).
Similar application volume
Nearest states by HMDA applications filed (94,784 here).
Top lenders by originations · Kansas
Funded loans among HMDA-reporting institutions active in this state.
Where Kansas sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
94,784 35th percentile higher than 35% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Kansas
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Kansas filed 94,784 HMDA-reported applications in 2024 (#35 of 54 by volume) with a 14.3% denial rate - 2.9pp below the national 17.2% baseline. White applicants (61,778 apps) show 14.8% denial; Black or African American applicants (3,293 apps) show 24.0% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Kansas
Top HMDA-reporting lenders active in Kansas. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 3,070 | 5.7% |
| 2 | Communityamerica Credit Union | 2,361 | 4.4% |
| 3 | Fairway Independent Mort CORP | 1,766 | 3.3% |
| 4 | Flat Branch Mortgage, INC. | 1,544 | 2.9% |
| 5 | Capitol Federal Savings Bank | 1,437 | 2.7% |
Reported outcomes by applicant race in Kansas
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 61,778 | 64.3% | 14.8% |
| Black or African American | 3,293 | 49.2% | 24.0% |
| Asian | 2,549 | 56.7% | 18.2% |
| Joint | 2,080 | 66.6% | 13.8% |
| American Indian or Alaska Native | 861 | 44.8% | 28.0% |
| 2 or more minority races | 165 | 47.3% | 30.3% |
| Native Hawaiian or Other Pacific Islander | 100 | 46.0% | 30.0% |
Every county in Kansas, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Johnson County | 22,833 | 13,670 | 12.1% | $325,588 |
| Sedgwick County | 19,368 | 10,820 | 15.0% | $194,152 |
| Shawnee County | 6,272 | 3,897 | 14.3% | $168,565 |
| Wyandotte County | 5,739 | 2,902 | 19.1% | $182,667 |
| Leavenworth County | 3,267 | 1,830 | 11.9% | $240,277 |
| Douglas County | 3,176 | 2,025 | 12.3% | $252,110 |
| Butler County | 2,784 | 1,613 | 14.0% | $182,037 |
| Riley County | 2,099 | 1,175 | 12.5% | $203,313 |
| Reno County | 1,704 | 983 | 12.0% | $136,338 |
| Miami County | 1,557 | 879 | 13.9% | $242,071 |
| Geary County | 1,459 | 764 | 12.0% | $188,173 |
| Harvey County | 1,120 | 661 | 13.2% | $159,411 |
| Saline County | 1,022 | 527 | 15.1% | $174,335 |
| Franklin County | 1,016 | 598 | 14.4% | $187,244 |
| Crawford County | 1,012 | 574 | 13.4% | $171,877 |
| Cowley County | 917 | 495 | 16.9% | $138,621 |
| Pottawatomie County | 890 | 562 | 10.1% | $231,225 |
| Montgomery County | 885 | 435 | 15.1% | $116,232 |
| McPherson County | 815 | 539 | 10.9% | $165,331 |
| Jefferson County | 766 | 457 | 11.9% | $182,546 |
| Sumner County | 752 | 445 | 15.4% | $139,348 |
| Lyon County | 667 | 359 | 13.5% | $149,168 |
| Cherokee County | 616 | 304 | 15.4% | $134,010 |
| Finney County | 612 | 296 | 20.1% | $163,922 |
| Barton County | 565 | 328 | 18.9% | $106,858 |
| Ford County | 544 | 297 | 13.4% | $201,232 |
| Osage County | 529 | 326 | 15.1% | $148,327 |
| Dickinson County | 524 | 276 | 12.8% | $154,905 |
| Atchison County | 510 | 293 | 15.1% | $140,882 |
| Ellis County | 510 | 272 | 16.1% | $835,765 |
| Labette County | 507 | 250 | 21.1% | $112,949 |
| Jackson County | 378 | 225 | 14.3% | $160,265 |
| Linn County | 368 | 183 | 16.6% | $167,255 |
| Neosho County | 335 | 201 | 15.8% | $119,358 |
| Bourbon County | 331 | 169 | 16.9% | $135,725 |
| Seward County | 317 | 195 | 14.2% | $138,091 |
| Allen County | 315 | 190 | 17.1% | $96,905 |
| Marion County | 268 | 148 | 18.3% | $131,978 |
| Doniphan County | 237 | 140 | 19.4% | $117,574 |
| Nemaha County | 233 | 150 | 12.9% | $167,489 |
| Pratt County | 227 | 120 | 23.4% | $122,401 |
| Anderson County | 220 | 111 | 12.7% | $167,136 |
| Brown County | 219 | 120 | 21.9% | $129,703 |
| Wabaunsee County | 215 | 139 | 14.9% | $174,349 |
| Wilson County | 205 | 109 | 18.5% | $118,171 |
| Kingman County | 192 | 104 | 16.1% | $149,115 |
| Coffey County | 190 | 115 | 13.2% | $161,789 |
| Cloud County | 188 | 107 | 13.3% | $125,053 |
| Clay County | 171 | 82 | 18.1% | $164,298 |
| Pawnee County | 161 | 102 | 11.8% | $96,180 |
| Rice County | 159 | 100 | 13.2% | $123,994 |
| Morris County | 156 | 91 | 17.3% | $159,231 |
| Ottawa County | 140 | 76 | 12.9% | $139,857 |
| Marshall County | 139 | 86 | 12.2% | $357,446 |
| Thomas County | 139 | 75 | 18.0% | $132,986 |
| Harper County | 135 | 65 | 20.7% | $118,407 |
| Greenwood County | 131 | 77 | 16.0% | $85,458 |
| Sherman County | 125 | 46 | 32.0% | $161,640 |
| Gray County | 120 | 60 | 15.0% | $168,667 |
| Grant County | 117 | 70 | 17.9% | $135,085 |
| Russell County | 99 | 49 | 20.2% | $91,465 |
| Stevens County | 94 | 43 | 24.5% | $122,128 |
| Logan County | 85 | 37 | 17.6% | $116,765 |
| Barber County | 77 | 38 | 28.6% | $97,338 |
| Meade County | 76 | 38 | 18.4% | $128,026 |
| Phillips County | 76 | 34 | 25.0% | $114,474 |
| Woodson County | 74 | 39 | 24.3% | $111,486 |
| Scott County | 73 | 41 | 20.6% | $157,329 |
| Washington County | 72 | 46 | 18.1% | $122,778 |
| Mitchell County | 72 | 36 | 13.9% | $132,083 |
| Stafford County | 71 | 36 | 19.7% | $96,127 |
| Edwards County | 70 | 37 | 20.0% | $111,000 |
| Rush County | 68 | 39 | 11.8% | $84,853 |
| Gove County | 68 | 33 | 25.0% | $131,765 |
| Chase County | 63 | 36 | 15.9% | $132,460 |
| Rooks County | 61 | 25 | 31.1% | $106,967 |
| Norton County | 60 | 26 | 18.3% | $134,833 |
| Republic County | 59 | 31 | 22.0% | $92,288 |
| Ellsworth County | 58 | 27 | 20.7% | $124,138 |
| Decatur County | 54 | 24 | 24.1% | $108,889 |
| Ness County | 52 | 29 | 17.3% | $107,692 |
| Kearny County | 50 | 28 | 12.0% | $154,000 |
| Trego County | 46 | 21 | 15.2% | $131,957 |
| Haskell County | 45 | 23 | 13.3% | $135,889 |
| Sheridan County | 42 | 26 | 14.3% | $203,571 |
| Chautauqua County | 39 | 23 | 20.5% | $131,923 |
| Morton County | 38 | 22 | 23.7% | $107,895 |
| Smith County | 36 | 18 | 22.2% | $119,167 |
| Lincoln County | 35 | 18 | 14.3% | $121,286 |
| Rawlins County | 35 | 14 | 31.4% | $107,000 |
| Osborne County | 33 | 18 | 21.2% | $99,545 |
| Cheyenne County | 32 | 18 | 18.8% | $140,938 |
| Elk County | 31 | 21 | 16.1% | $135,968 |
| Jewell County | 27 | 11 | 11.1% | $122,037 |
| Hodgeman County | 26 | 11 | 19.2% | $212,308 |
| Kiowa County | 24 | 15 | 4.2% | $118,750 |
| Stanton County | 23 | 7 | 34.8% | $121,522 |
| Clark County | 21 | 12 | 14.3% | $122,619 |
| Wichita County | 21 | 11 | 23.8% | $148,810 |
| Hamilton County | 21 | 10 | 28.6% | $132,143 |
| Lane County | 20 | 9 | 20.0% | $114,500 |
| Graham County | 19 | 8 | 15.8% | $86,053 |
| Wallace County | 19 | 8 | 26.3% | $101,316 |
| Comanche County | 18 | 10 | 16.7% | $76,111 |
| Greeley County | 11 | 6 | 18.2% | $148,636 |
Metro Areas in Kansas
Frequently Asked Questions
How many mortgage applications were filed in Kansas?
Where does Kansas sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Kansas?
What is the average mortgage loan amount in Kansas?
How many mortgage lenders operate in Kansas?
How do mortgage denial rates vary by demographics in Kansas?
Which counties in Kansas have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.