Largest lenders in McPherson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Peoples Bank and Trust | A | 216 | 190 | 5.6% | 7.00% |
| 2 | Flat Branch Mortgage | A | 49 | 44 | 0.0% | 6.50% |
| 3 | Gateway First Bank | B | 41 | 35 | 9.8% | 6.75% |
| 4 | Rocket Mortgage | C | 30 | 19 | 33.3% | 6.63% |
| 5 | The Citizens State Bank | – | 21 | 21 | 0.0% | — |
| 6 | Great Plains Federal Credit Union | – | 19 | 10 | 42.1% | 6.36% |
| 7 | Heartland Credit Union | D | 18 | 8 | 11.1% | 7.00% |
| 8 | Primary Residential Mortgage | C | 16 | 16 | 0.0% | 6.63% |
| 9 | 21st Mortgage | F | 14 | 6 | 50.0% | 9.15% |
| 10 | Mortgage Research Center | C | 14 | 9 | 21.4% | 6.25% |
| 11 | Freedom Mortgage | B | 13 | 3 | 7.7% | 6.38% |
| 12 | AmeriSave Mortgage | D | 12 | 1 | 75.0% | 9.88% |
| 13 | Pennymac Loan Services | C | 11 | 4 | 0.0% | 6.13% |
| 14 | Emprise Bank | D | 9 | 7 | 22.2% | 7.50% |
| 15 | Better Mortgage | F | 9 | 9 | 0.0% | 6.63% |
| 16 | Community National Bank & Trust | C | 7 | 6 | 0.0% | 7.93% |
| 17 | Navy Federal Credit Union | D | 7 | 5 | 0.0% | 8.84% |
| 18 | Figure Lending | C | 7 | 1 | 71.4% | 10.80% |
| 19 | American Mortgage Bank | C | 6 | 4 | 0.0% | 6.44% |
| 20 | Mortgage Investment Services | C | 6 | 3 | 16.7% | 7.25% |
| 21 | Discover Bank | F | 5 | 2 | 40.0% | 9.46% |
| 22 | The First National Bank of Hutchinson | A | 5 | 4 | 0.0% | — |
| 23 | Credit Union of America | C | 5 | 3 | 20.0% | 7.75% |
| 24 | Carrington Mortgage Services | D | 5 | 3 | 20.0% | 6.25% |
| 25 | Mutual of Omaha Mortgage | C | 5 | 4 | 20.0% | 6.56% |
Best approval odds in McPherson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Peoples Bank and Trust | 202 | 5.9% |
What McPherson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
McPherson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 570 | 415 | 12.1% | 7.00% | $125,000 |
| 2024 | 712 | 541 | 12.5% | 6.75% | $135,000 |
| 2025 | 691 | 496 | 13.9% | 6.75% | $135,000 |
Frequently asked questions
13.9% of applications in McPherson County were denied in 2025, against 15.0% statewide in Kansas.
Peoples Bank and Trust, with 216 applications in 2025 and a denial rate of 5.6%.
The median mortgage application in McPherson County in 2025 was for $135,000; the median property value on originated loans was $235,000.