Largest lenders in Geary County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Mortgage Research Center | C | 232 | 145 | 11.2% | 6.25% |
| 2 | Exchange Bank | A | 90 | 72 | 0.0% | 6.25% |
| 3 | Navy Federal Credit Union | D | 83 | 40 | 15.7% | 6.13% |
| 4 | Fairway Independent Mortgage | B | 71 | 59 | 2.8% | 5.99% |
| 5 | United Shore Financial Services | B | 69 | 52 | 8.7% | 6.12% |
| 6 | Landmark National Bank | B | 60 | 43 | 0.0% | 6.25% |
| 7 | Pennymac Loan Services | C | 54 | 26 | 11.1% | 6.00% |
| 8 | Rocket Mortgage | C | 45 | 36 | 15.6% | 6.25% |
| 9 | KS StateBank | B | 35 | 30 | 5.7% | 7.79% |
| 10 | Freedom Mortgage | B | 35 | 19 | 14.3% | 6.25% |
| 11 | Central National Bank | B | 33 | 26 | 15.2% | 6.85% |
| 12 | Crosscountry Mortgage | B | 26 | 18 | 0.0% | 6.58% |
| 13 | New Day Financial | F | 19 | 3 | 21.1% | 6.49% |
| 14 | USAA Federal Savings Bank | C | 18 | 12 | 22.2% | 6.38% |
| 15 | Newrez | D | 18 | 7 | 22.2% | 6.00% |
| 16 | Broker Solutions | D | 18 | 4 | 11.1% | 6.13% |
| 17 | Armed Forces Bank | C | 18 | 13 | 0.0% | 6.00% |
| 18 | Intrust Bank | C | 17 | 12 | 11.8% | 7.38% |
| 19 | Guaranteed Rate | B | 16 | 15 | 0.0% | 6.15% |
| 20 | GoodLeap | C | 15 | 2 | 60.0% | 7.98% |
| 21 | Loandepot.Com | D | 13 | 5 | 23.1% | 6.25% |
| 22 | Spring Eq | D | 12 | 3 | 58.3% | 8.88% |
| 23 | Nationstar Mortgage | C | 12 | 8 | 8.3% | 6.56% |
| 24 | AmeriSave Mortgage | D | 11 | 1 | 81.8% | 11.75% |
| 25 | Vanderbilt Mortgage and Finance | F | 11 | 2 | 63.6% | 12.75% |
Best approval odds in Geary County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Exchange Bank | 72 | 0.0% |
| 2 | Fairway Independent Mortgage | 61 | 3.3% |
| 3 | United Shore Financial Services | 59 | 10.2% |
| 4 | Mortgage Research Center | 175 | 14.9% |
| 5 | Navy Federal Credit Union | 55 | 23.6% |
What Geary County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Geary County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,014 | 644 | 14.1% | 6.63% | $165,000 |
| 2024 | 1,223 | 765 | 14.3% | 6.25% | $185,000 |
| 2025 | 1,308 | 806 | 13.1% | 6.25% | $195,000 |
Frequently asked questions
13.1% of applications in Geary County were denied in 2025, against 15.0% statewide in Kansas.
Mortgage Research Center, with 232 applications in 2025 and a denial rate of 11.2%.
The median mortgage application in Geary County in 2025 was for $195,000; the median property value on originated loans was $235,000.