Largest lenders in Atchison County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Union State Bank of Everest | A | 72 | 65 | 8.3% | — |
| 2 | Exchange Bank & Trust | B | 59 | 47 | 8.5% | — |
| 3 | Rocket Mortgage | C | 38 | 32 | 7.9% | 6.43% |
| 4 | Primelending, a Plainscapital | A | 27 | 21 | 3.7% | 6.99% |
| 5 | Frontier Community Credit Union | C | 13 | 10 | 0.0% | 6.94% |
| 6 | Broker Solutions | D | 13 | 6 | 0.0% | 7.12% |
| 7 | UMB Bank | B | 10 | 7 | 10.0% | 6.65% |
| 8 | Mortgage Research Center | C | 10 | 6 | 0.0% | 6.13% |
| 9 | Newrez | D | 9 | 4 | 0.0% | 6.69% |
| 10 | Endeavor Capital, LLC. | C | 9 | 6 | 11.1% | 6.38% |
| 11 | Geneva Financial | C | 9 | 8 | 0.0% | 6.69% |
| 12 | Freedom Mortgage | B | 8 | 3 | 12.5% | 6.63% |
| 13 | United Shore Financial Services | B | 8 | 7 | 0.0% | 6.50% |
| 14 | Communityamerica Credit Union | B | 8 | 3 | 37.5% | 6.99% |
| 15 | Coastal Community Bank | C | 7 | 1 | 0.0% | 9.24% |
| 16 | AmeriSave Mortgage | D | 6 | 2 | 50.0% | 8.44% |
| 17 | Discover Bank | F | 5 | 0 | 80.0% | — |
| 18 | Pennymac Loan Services | C | 5 | 3 | 0.0% | 6.88% |
| 19 | Guild Mortgage | A | 5 | 1 | 40.0% | 6.25% |
| 20 | Sofi Bank | D | 5 | 2 | 40.0% | 6.50% |
| 21 | Vanderbilt Mortgage and Finance | F | 5 | 2 | 40.0% | 12.13% |
| 22 | Leaderone Financial | D | 5 | 3 | 0.0% | 6.75% |
| 23 | Figure Lending | C | 5 | 1 | 60.0% | 10.35% |
Best approval odds in Atchison County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Union State Bank of Everest | 72 | 8.3% |
| 2 | Exchange Bank & Trust | 59 | 8.5% |
What Atchison County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Atchison County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 404 | 263 | 17.8% | 6.75% | $115,000 |
| 2024 | 462 | 293 | 16.7% | 6.99% | $105,000 |
| 2025 | 455 | 300 | 11.9% | 6.63% | $125,000 |
Frequently asked questions
11.9% of applications in Atchison County were denied in 2025, against 15.0% statewide in Kansas.
The Union State Bank of Everest, with 72 applications in 2025 and a denial rate of 8.3%.
The median mortgage application in Atchison County in 2025 was for $125,000; the median property value on originated loans was $195,000.