Mortgage lending in Ness County, Kansas

Lenders in Ness County, Kansas reported 59 mortgage applications for 2025, according to the CFPB.

59 mortgage applications and 34 loans originated in 2025; the denial rate was 29.4% of 51 applications decided. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Ness County, KS.

59
Applications: 34
Loans originated: 29.4%
Denial rate: 15 denied of 51 applications decided.

Every year

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Mortgage applications and loans originated in Ness County, Kansas, by year
Year	Applications	Originated	Denied
2025	59	34	15
2024	50	29	9
2023	40	24	13
2022	19	10	3
2021	21	12	3
2020	24	15	2
2019	16	8	4
2018	25	13	8

The largest lenders here

Lenders in Ness County, Kansas by loans originated, 2025
Lender	Originated	Applications
Peoples Bank and Trust Co	20	23
Heartland Credit Union	3	4
New American Funding, LLC.	2	4
Central National Bank	1	1
Planet Home Lending, LLC	1	1
Golden Plains Credit Union	1	4
Members Mortgage Services, LLC	1	1
Fairway Independent Mort Corp	1	1
Meritrust Federal Credit Union	1	1
Union Home Mortgage Corp.	1	1
Royal United Mortgage LLC	1	1
Amerisave Mortgage Company	1	2
Mortgage Investment Services Corporation	0	1
Fay Servicing LLC	0	1
Rocket Mortgage	0	3
Newrez LLC	0	1
United Wholesale Mortgage	0	2
Farmers Bank & Trust	0	1
Longbridge Financial, LLC	0	0
Stockton Mortgage Corporation	0	1
Equity Bank	0	1
Mission Loans, LLC	0	1
US Bank, N.A.	0	1
Wells Fargo Bank NA	0	1
Pennymac Loan Services LLC	0	1

Applications by race, ethnicity and sex, 2025

By race, Ness County, Kansas: applications and denial rate
Category	Applications	Denial rate
White	47	no rate: base under 50
Race Not Available	12	no rate: base under 50

By ethnicity, Ness County, Kansas: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	41	no rate: base under 50
Joint	under 10
Ethnicity Not Available	13	no rate: base under 50

By sex, Ness County, Kansas: applications and denial rate
Category	Applications	Denial rate
Male	13	no rate: base under 50
Female	under 10
Joint	28	no rate: base under 50
Sex Not Available	under 10

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.

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 October 22, 2026