Largest lenders in Douglas County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 268 | 209 | 10.8% | 6.49% |
| 2 | Mid-America Bank | A | 240 | 219 | 0.4% | 7.00% |
| 3 | Fairway Independent Mortgage | B | 158 | 123 | 1.3% | 6.88% |
| 4 | Truity Federal Credit Union | C | 138 | 94 | 8.0% | 6.50% |
| 5 | Capitol Federal Savings Bank | B | 113 | 82 | 14.2% | 6.94% |
| 6 | U.S. Bank | D | 95 | 47 | 32.6% | 7.90% |
| 7 | Commerce Bank | D | 81 | 43 | 19.8% | 6.13% |
| 8 | Zippy Loans | D | 79 | 19 | 38.0% | 8.00% |
| 9 | United Shore Financial Services | B | 79 | 61 | 8.9% | 6.13% |
| 10 | Envista Credit Union | C | 79 | 57 | 20.3% | 7.15% |
| 11 | Bell Bank | A | 72 | 60 | 2.8% | 6.63% |
| 12 | The Central Trust Bank | C | 71 | 40 | 19.7% | 6.25% |
| 13 | Pennymac Loan Services | C | 62 | 42 | 8.1% | 6.56% |
| 14 | Great American Bank | B | 59 | 54 | 3.4% | — |
| 15 | NBH Bank | C | 57 | 43 | 5.3% | 6.63% |
| 16 | Mortgage Research Center | C | 52 | 25 | 15.4% | 6.25% |
| 17 | Bank of America | F | 49 | 20 | 32.7% | 6.49% |
| 18 | Mainstreet Federal Credit Union | C | 46 | 27 | 28.3% | 8.00% |
| 19 | Communityamerica Credit Union | B | 46 | 32 | 4.4% | 6.63% |
| 20 | Sunflower Bank | B | 46 | 27 | 10.9% | 6.49% |
| 21 | M Squared Financial | B | 42 | 36 | 7.1% | 6.56% |
| 22 | First State Bank and Trust | C | 37 | 31 | 10.8% | — |
| 23 | Freedom Mortgage | B | 37 | 18 | 5.4% | 6.19% |
| 24 | Movement Mortgage | A | 36 | 24 | 2.8% | 6.81% |
| 25 | Primelending, a Plainscapital | A | 36 | 32 | 2.8% | 6.81% |
Best approval odds in Douglas County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Mid-America Bank | 220 | 0.5% |
| 2 | Fairway Independent Mortgage | 127 | 1.6% |
| 3 | Bell Bank | 62 | 3.2% |
| 4 | Great American Bank | 56 | 3.6% |
| 5 | United Shore Financial Services | 71 | 9.9% |
| 6 | Truity Federal Credit Union | 106 | 10.4% |
| 7 | Rocket Mortgage | 244 | 11.9% |
| 8 | Capitol Federal Savings Bank | 103 | 15.5% |
| 9 | Envista Credit Union | 76 | 21.1% |
| 10 | The Central Trust Bank | 54 | 25.9% |
What Douglas County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Douglas County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,784 | 1,861 | 15.3% | 6.99% | $175,000 |
| 2024 | 2,993 | 2,026 | 13.1% | 6.99% | $185,000 |
| 2025 | 3,320 | 2,242 | 12.6% | 6.75% | $215,000 |
Frequently asked questions
12.6% of applications in Douglas County were denied in 2025, against 15.0% statewide in Kansas.
Rocket Mortgage, with 268 applications in 2025 and a denial rate of 10.8%.
The median mortgage application in Douglas County in 2025 was for $215,000; the median property value on originated loans was $345,000.