Largest lenders in Jefferson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 76 | 52 | 23.7% | 6.43% |
| 2 | Envista Credit Union | C | 44 | 30 | 15.9% | 7.13% |
| 3 | The Union State Bank of Everest | A | 35 | 33 | 2.9% | — |
| 4 | Mortgage Research Center | C | 24 | 10 | 25.0% | 6.25% |
| 5 | United Shore Financial Services | B | 23 | 17 | 4.4% | 6.00% |
| 6 | Fairway Independent Mortgage | B | 22 | 15 | 4.6% | 6.75% |
| 7 | Flat Branch Mortgage | A | 19 | 18 | 0.0% | 6.50% |
| 8 | First State Bank and Trust | C | 18 | 12 | 22.2% | — |
| 9 | Azura Credit Union | D | 18 | 1 | 50.0% | 7.50% |
| 10 | Capitol Federal Savings Bank | B | 18 | 13 | 16.7% | 6.75% |
| 11 | The Denison State Bank | B | 17 | 15 | 5.9% | — |
| 12 | Pennymac Loan Services | C | 16 | 8 | 12.5% | 6.50% |
| 13 | U.S. Bank | D | 15 | 8 | 33.3% | 7.28% |
| 14 | Freedom Mortgage | B | 14 | 10 | 7.1% | 6.31% |
| 15 | Mutual Savings Association | B | 14 | 12 | 0.0% | — |
| 16 | Bank of America | F | 11 | 3 | 54.6% | 5.99% |
| 17 | AmeriSave Mortgage | D | 10 | 2 | 70.0% | 6.44% |
| 18 | Carrington Mortgage Services | D | 10 | 3 | 30.0% | 5.50% |
| 19 | Truity Federal Credit Union | C | 10 | 4 | 30.0% | 7.19% |
| 20 | Mid-America Bank | A | 10 | 10 | 0.0% | 6.88% |
| 21 | Mortgage Investment Services | C | 10 | 4 | 10.0% | 6.69% |
| 22 | Frontier Community Credit Union | C | 9 | 4 | 11.1% | 7.25% |
| 23 | Triad Financial Services | D | 9 | 2 | 66.7% | 10.02% |
| 24 | Newrez | D | 8 | 5 | 0.0% | 6.75% |
| 25 | Exchange Bank & Trust | B | 8 | 8 | 0.0% | — |
Best approval odds in Jefferson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 73 | 24.7% |
What Jefferson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jefferson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 622 | 380 | 18.0% | 6.88% | $145,000 |
| 2024 | 698 | 458 | 13.0% | 6.75% | $145,000 |
| 2025 | 763 | 490 | 16.9% | 6.65% | $165,000 |
Frequently asked questions
16.9% of applications in Jefferson County were denied in 2025, against 15.0% statewide in Kansas.
Rocket Mortgage, with 76 applications in 2025 and a denial rate of 23.7%.
The median mortgage application in Jefferson County in 2025 was for $165,000; the median property value on originated loans was $285,000.