Mortgage lending in Cowley County, Kansas
Lenders in Cowley County, Kansas reported 888 mortgage applications for 2025, according to the CFPB.
888 mortgage applications and 553 loans originated in 2025; the denial rate was 20.0% of 736 applications decided. The median loan was about $115,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cowley County, KS.
- 888
- Applications
- 553
- Loans originated
- 20.0%
- Denial rate
- 147 denied of 736 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 888 | 553 |
| 2024 | 825 | 496 |
| 2023 | 756 | 478 |
| 2022 | 1,031 | 654 |
| 2021 | 1,249 | 825 |
| 2020 | 1,095 | 736 |
| 2019 | 851 | 566 |
| 2018 | 847 | 524 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Community National Bank & Trust | 106 | 137 |
| RCB Bank | 43 | 58 |
| Union State Bank | 35 | 46 |
| Rocket Mortgage | 31 | 43 |
| The Stock Exchange Bank | 17 | 17 |
| Citizens Bank of Kansas | 16 | 22 |
| Guild Mortgage Company | 15 | 18 |
| Gateway First Bank | 13 | 19 |
| Mortgage Research Center | 13 | 25 |
| Sierra Pacific Mortgage Co. Inc | 12 | 17 |
| Mid American Credit Union | 11 | 19 |
| Pennymac Loan Services LLC | 11 | 19 |
| Fairway Independent Mort Corp | 10 | 12 |
| Meritrust Federal Credit Union | 10 | 11 |
| Bank of Commerce | 8 | 12 |
| Luminate Bank | 8 | 14 |
| BMO Harris Bank NA | 7 | 16 |
| United Wholesale Mortgage | 7 | 9 |
| Members Mortgage Services, LLC | 7 | 7 |
| Premier Members Credit Union | 7 | 10 |
| Pentagon Federal Credit Union | 6 | 8 |
| Fidelity Bank | 6 | 9 |
| Nationstar Mortgage | 6 | 8 |
| Flat Branch Mortgage, Inc. | 5 | 7 |
| Amerisave Mortgage Company | 5 | 13 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 16 | no rate: base under 50 |
| Asian | 14 | no rate: base under 50 |
| Black or African American | 10 | no rate: base under 50 |
| White | 680 | 19.8% of 572 decided |
| Joint | 21 | no rate: base under 50 |
| Race Not Available | 147 | 13.2% of 121 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 51 | no rate: base under 50 |
| Not Hispanic or Latino | 655 | 19.6% of 546 decided |
| Joint | 16 | no rate: base under 50 |
| Ethnicity Not Available | 166 | 16.4% of 134 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 321 | 22.6% of 266 decided |
| Female | 154 | 27.5% of 120 decided |
| Joint | 313 | 16.9% of 266 decided |
| Sex Not Available | 100 | 10.7% of 84 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2563 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved