Mortgage Research Center in Kansas vs the state
15.1%Denial rate+0.04 pts vs state
21.4%Decision denial rate+3.07 pts vs state
54.8%Origination rate-9.07 pts vs state
6.25%Median rate-0.38 pts vs state
-0.24Rate spread (pts)-0.53 pts vs state
$91kMedian applicant income
1,308Loans originated
360Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,683 | 990 | 13.1% | 6.75% | #8 |
| 2024 | 2,072 | 1,210 | 12.8% | 6.63% | #4 |
| 2025 | 2,389 | 1,308 | 15.1% | 6.25% | #4 |
What Mortgage Research Center lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 511 | 285 | 67 | 13.1% |
| Geary County | 232 | 145 | 26 | 11.2% |
| Johnson County | 182 | 89 | 24 | 13.2% |
| Shawnee County | 153 | 82 | 25 | 16.3% |
| Leavenworth County | 143 | 80 | 21 | 14.7% |
| Wyandotte County | 85 | 39 | 17 | 20.0% |
| Riley County | 81 | 44 | 14 | 17.3% |
| Butler County | 79 | 42 | 9 | 11.4% |
| Douglas County | 52 | 25 | 8 | 15.4% |
| Reno County | 52 | 28 | 8 | 15.4% |
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% |
| 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% |
| Freedom Mortgage | B | 1,491 | 8.6% | 6.25% |
Frequently asked questions
Kansas: 2,389 applications in 2025, of which 1,308 were originated and 360 denied.
15.1% of all applications, or 21.4% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Mortgage Research Center originated in Kansas in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Research Center'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