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Miami County, Kansas
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 1,369 mortgage applications in Miami County, Kansas, for 2024, and originated 886 loans worth $229m.
That is 64.5 originations per 1,000 households, against 46.1 for Kansas and 48.0 nationally.
The county's denial rate was 19.0%, close to the state rate of 19.2%. The median rate spread on originated loans was 0.4 percentage points and 13.9% of originations were 1.5 points or more above the average prime offer rate.
9 lenders reached 25 applications in the county; the most active by originations were Fairway Independent Mort Corp (66), Rocket Mortgage (66) and First Option Bank (54).
Originations were up 9% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Fairway Independent Mort Corp | 81 | 66 | $19m | 2.9% | — |
| 2 | Rocket Mortgage | 80 | 66 | $14m | 14.1% | — |
| 3 | First Option Bank | 76 | 54 | $14m | 14.7% | — |
| 4 | Communityamerica Credit Union | 82 | 52 | $11m | 21.1% | — |
| 5 | United Wholesale Mortgage | 27 | 21 | $6.2m | — | — |
| 6 | Capitol Federal Savings Bank | 26 | 20 | $4.3m | — | — |
| 7 | Mortgage Research Center | 33 | 15 | $3.9m | — | — |
| 8 | Newrez LLC | 26 | 11 | $2.7m | — | — |
| 9 | Discover Bank | 31 | 5 | $445k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 9. Denial rate is denials over decided applications in this county.
Compared with Kansas and the nation
| Measure | This county | Kansas | United States |
|---|---|---|---|
| Denial rate | 19.0% | 19.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.9% | 14.2% | 15.6% |
| Average originated loan | $259k | $242k | $329k |
| Originations per 1,000 households | 64.5 | 46.1 | 48.0 |
| Home purchase share of originations | 60.0% | 58.5% | 57.0% |
| FHA-insured share | 14.9% | 11.3% | 13.4% |
| VA-guaranteed share | 7.4% | 9.3% | 7.9% |
Rate spread distribution
Share of 727 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Kansas). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 60% (532)Home improvement 7% (63)Refinancing 12% (107)Cash-out refinancing 12% (110)Other purpose 8% (74)
By type
Conventional 75% (664)FHA 15% (132)VA 7% (66)USDA 3% (24)
Trend by year
ApplicationsOriginations
This countyKansas
Questions and answers
Which lenders are most active in Miami County, KS?
By 2024 originations: Fairway Independent Mort Corp (66), Rocket Mortgage (66), First Option Bank (54), Communityamerica Credit Union (52), United Wholesale Mortgage (21). 9 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Miami County?
19.0% of decided applications were denied in 2024, against 19.2% across Kansas and 24.3% nationally.
How many mortgages were originated in Miami County in 2024?
886 loans totalling $229m, from 1,369 applications; 64.5 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 20121; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.