Largest lenders in Cherokee County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Flat Branch Mortgage | A | 136 | 116 | 0.0% | 6.63% |
| 2 | Arvest Bank | C | 50 | 32 | 26.0% | 6.94% |
| 3 | Rocket Mortgage | C | 37 | 25 | 21.6% | 6.75% |
| 4 | Southwest Missouri Bank | C | 30 | 20 | 23.3% | 7.38% |
| 5 | Commerce Bank | D | 26 | 17 | 15.4% | 7.45% |
| 6 | Mortgage Research Center | C | 18 | 5 | 16.7% | 6.75% |
| 7 | Labette Bank | A | 18 | 17 | 0.0% | — |
| 8 | People's Bank of Seneca | C | 16 | 9 | 6.3% | — |
| 9 | Vanderbilt Mortgage and Finance | F | 15 | 2 | 20.0% | 9.00% |
| 10 | Pennymac Loan Services | C | 14 | 2 | 7.1% | 8.25% |
| 11 | U.S. Bank | D | 14 | 3 | 57.1% | 6.25% |
| 12 | Community Bank and Trust | C | 14 | 6 | 35.7% | — |
| 13 | 21st Mortgage | F | 13 | 4 | 53.9% | 11.01% |
| 14 | AmeriSave Mortgage | D | 9 | 1 | 88.9% | 11.75% |
| 15 | Community National Bank & Trust | C | 9 | 8 | 0.0% | 7.75% |
| 16 | Broker Solutions | D | 9 | 3 | 11.1% | 7.50% |
| 17 | Loandepot.Com | D | 9 | 3 | 66.7% | 6.38% |
| 18 | GNBank | C | 8 | 6 | 12.5% | — |
| 19 | Midwest Mortgage Associates | B | 8 | 2 | 0.0% | 6.38% |
| 20 | Newrez | D | 8 | 4 | 12.5% | 6.69% |
| 21 | Freedom Mortgage | B | 7 | 4 | 14.3% | 5.81% |
| 22 | First Community Bank | C | 7 | 5 | 28.6% | 8.00% |
| 23 | Great Plains Federal Credit Union | – | 6 | 2 | 66.7% | 6.88% |
| 24 | Coastal Community Bank | C | 6 | 2 | 0.0% | 10.49% |
| 25 | Pinnacle Bank | B | 5 | 4 | 0.0% | 6.68% |
Best approval odds in Cherokee County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Flat Branch Mortgage | 117 | 0.0% |
What Cherokee County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Cherokee County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 530 | 310 | 20.0% | 7.19% | $95,000 |
| 2024 | 520 | 304 | 18.3% | 7.00% | $105,000 |
| 2025 | 606 | 356 | 18.2% | 6.75% | $105,000 |
Frequently asked questions
18.2% of applications in Cherokee County were denied in 2025, against 15.0% statewide in Kansas.
Flat Branch Mortgage, with 136 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Cherokee County in 2025 was for $105,000; the median property value on originated loans was $165,000.