Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Johnson County, Kansas
Every institution that decided a 1–4 unit mortgage application in Johnson County, home to Overland Park, between 2023 and 2025: 44,386 applications, 37,443 loans actually funded, across 8 kinds of borrowing.
Johnson County at a glance
44,386Applications decided
2023–2025
37,443Loans funded
84% of decisions
154Census tracts
32 ZIP codes
614,764People
ACS 2023
What the data shows
Lenders approved 95.2% of home-purchase applications in Johnson County, 4.2 points above the Kansas rate.
The typical purchase mortgage here is $355K.
Investment home improvement is the hardest money to get here: lenders approved 57% of 209 applications.
Lending by loan type in Johnson County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 95.2% | 22,490 | $355K | 98% | 471 |
| Home improvement loans | 74.2% | 7,408 | $75K | 92% | 142 |
| Cash-out refinance | 75.5% | 5,350 | $165K | 96% | 269 |
| Refinance | 82.4% | 6,299 | $225K | 95% | 274 |
| Investment property purchase | 94.6% | 1,930 | $255K | 98% | 257 |
| Investment cash-out refinance | 77.3% | 287 | $205K | 95% | 104 |
| Investment refinance | 82.3% | 413 | $255K | 97% | 113 |
| Investment home improvement | 57.4% | 209 | $105K | 94% | 53 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.