Freedom Mortgage in Kansas vs the state
8.6%Denial rate-6.45 pts vs state
13.4%Decision denial rate-4.85 pts vs state
46.8%Origination rate-17.07 pts vs state
6.25%Median rate-0.38 pts vs state
0.18Rate spread (pts)-0.12 pts vs state
$89kMedian applicant income
697Loans originated
128Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 488 | 207 | 18.4% | 6.75% | #44 |
| 2024 | 1,046 | 500 | 12.7% | 6.25% | #19 |
| 2025 | 1,491 | 697 | 8.6% | 6.25% | #11 |
What Freedom Mortgage lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 329 | 150 | 32 | 9.7% |
| Johnson County | 264 | 114 | 12 | 4.5% |
| Wyandotte County | 98 | 39 | 8 | 8.2% |
| Shawnee County | 93 | 44 | 7 | 7.5% |
| Leavenworth County | 87 | 54 | 5 | 5.7% |
| Butler County | 49 | 27 | 3 | 6.1% |
| Douglas County | 37 | 18 | 2 | 5.4% |
| Geary County | 35 | 19 | 5 | 14.3% |
| Miami County | 31 | 17 | 2 | 6.5% |
| Harvey County | 26 | 15 | 1 | 3.8% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 1,491 applications in 2025, of which 697 were originated and 128 denied.
8.6% of all applications, or 13.4% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Freedom Mortgage originated in Kansas in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Freedom Mortgage's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology