Largest mortgage lenders in Kansas
By applications received in 2025. Grade is the lender's national grade.
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 5,303 | 3,859 | 18.0% | 6.63% |
| 2 | Communityamerica Credit Union | B | 3,575 | 2,521 | 12.4% | 6.38% |
| 3 | United Shore Financial Services | B | 2,545 | 1,838 | 11.4% | 6.38% |
| 4 | Mortgage Research Center | C | 2,389 | 1,308 | 15.1% | 6.25% |
| 5 | Fairway Independent Mortgage | B | 2,360 | 1,876 | 2.0% | 6.63% |
| 6 | Pennymac Loan Services | C | 2,103 | 1,217 | 10.8% | 6.49% |
| 7 | Credit Union of America | C | 1,940 | 1,143 | 22.9% | 7.75% |
| 8 | Capitol Federal Savings Bank | B | 1,873 | 1,384 | 12.6% | 6.75% |
| 9 | Guild Mortgage | A | 1,549 | 1,155 | 3.6% | 6.63% |
| 10 | U.S. Bank | D | 1,534 | 772 | 31.4% | 7.28% |
| 11 | Freedom Mortgage | B | 1,491 | 697 | 8.6% | 6.25% |
| 12 | Flat Branch Mortgage | A | 1,455 | 1,216 | 0.6% | 6.63% |
| 13 | Commerce Bank | D | 1,383 | 751 | 24.4% | 6.38% |
| 14 | Bank of America | F | 1,342 | 578 | 30.7% | 6.24% |
| 15 | Peoples Bank and Trust | A | 1,284 | 1,134 | 4.7% | 7.00% |
| 16 | Zippy Loans | D | 1,187 | 335 | 29.9% | 8.00% |
| 17 | Fidelity Bank | C | 1,102 | 805 | 12.8% | 6.88% |
| 18 | MERITRUST Federal Credit Union | B | 1,087 | 852 | 8.7% | 6.75% |
| 19 | Newrez | D | 1,069 | 392 | 16.9% | 6.63% |
| 20 | Arvest Bank | C | 1,062 | 735 | 14.3% | 6.75% |
| 21 | Community National Bank & Trust | C | 1,048 | 889 | 5.1% | 7.75% |
| 22 | Envista Credit Union | C | 1,040 | 712 | 19.8% | 6.90% |
| 23 | Emprise Bank | D | 1,014 | 598 | 31.0% | 7.70% |
| 24 | AmeriSave Mortgage | D | 998 | 251 | 61.3% | 7.25% |
| 25 | Navy Federal Credit Union | D | 981 | 515 | 16.1% | 6.50% |
Best approval odds in Kansas
Lowest decision denial rate among lenders that decided at least 300 Kansas applications in 2025.
| # | Lender | Decided | Decision denial rate | Median rate |
|---|---|---|---|---|
| 1 | First State Bank of St. Charles, Missouri | 606 | 0.0% | 6.50% |
| 2 | Mid-America Bank | 525 | 0.2% | 7.00% |
| 3 | Flat Branch Mortgage | 1,242 | 0.6% | 6.63% |
| 4 | M Squared Financial | 325 | 1.2% | 6.63% |
| 5 | Coastal Community Bank | 600 | 2.3% | 10.49% |
| 6 | Fairway Independent Mortgage | 1,935 | 2.5% | 6.63% |
| 7 | Crosscountry Mortgage | 596 | 2.7% | 6.63% |
| 8 | Gateway First Bank | 553 | 3.3% | 6.63% |
| 9 | Primelending, a Plainscapital | 509 | 3.9% | 6.75% |
| 10 | Guild Mortgage | 1,302 | 4.3% | 6.63% |
Lowest median rates in Kansas
Among lenders reporting rates on at least 100 originated loans. Product mix matters: a VA specialist will show a lower median than a jumbo lender.
| # | Lender | Priced loans | Median rate | Denial rate |
|---|---|---|---|---|
| 1 | UMB Bank | 496 | 5.99% | 25.3% |
| 2 | CMG Mortgage | 166 | 6.00% | 6.0% |
| 3 | Bank of America | 578 | 6.24% | 30.7% |
| 4 | First Federal Bank | 114 | 6.25% | 11.8% |
| 5 | Members Mortgage Services | 202 | 6.25% | 11.9% |
| 6 | Equity Bank | 409 | 6.25% | 17.9% |
| 7 | Freedom Mortgage | 697 | 6.25% | 8.6% |
| 8 | Mortgage Research Center | 1,306 | 6.25% | 15.1% |
| 9 | Sun West Mortgage Company | 135 | 6.38% | 6.8% |
| 10 | Pentagon Federal Credit Union | 163 | 6.38% | 29.8% |
What Kansas borrowers applied for
By loan purpose
By loan type
Denial rate by applicant income
Why Kansas applications were denied
Kansas mortgage market by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan | Lenders |
|---|---|---|---|---|---|---|
| 2023 | 76,787 | 48,992 | 16.5% | 6.88% | $145,000 | 753 |
| 2024 | 84,253 | 54,091 | 16.1% | 6.88% | $155,000 | 726 |
| 2025 | 94,814 | 60,511 | 15.0% | 6.63% | $165,000 | 766 |
Kansas counties
Counties with at least 200 applications in 2025, most active first.
Frequently asked questions
15.0% of mortgage applications in Kansas were denied in 2025 (18.3% of applications that reached a decision). Nationally the rate was 18.0%.
Rocket Mortgage handled the most applications in Kansas in 2025: 5,303, with a denial rate of 18.0%.
Among lenders that decided at least 300 applications in Kansas, First State Bank of St. Charles, Missouri had the lowest decision denial rate at 0.0%.
The median interest rate on loans originated in Kansas in 2025 was 6.63%. That is the rate borrowers actually received, reported by lenders under HMDA, not an advertised rate.