Largest lenders in Miami County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 91 | 72 | 14.3% | 6.49% |
| 2 | Communityamerica Credit Union | B | 86 | 63 | 11.6% | 6.49% |
| 3 | First Option Bank | B | 57 | 41 | 12.3% | — |
| 4 | Fairway Independent Mortgage | B | 52 | 45 | 0.0% | 6.63% |
| 5 | Great Southern Bank | C | 38 | 24 | 31.6% | 7.24% |
| 6 | United Shore Financial Services | B | 34 | 24 | 17.7% | 6.13% |
| 7 | Mortgage Research Center | C | 33 | 19 | 12.1% | 6.50% |
| 8 | Pennymac Loan Services | C | 31 | 19 | 9.7% | 6.49% |
| 9 | Freedom Mortgage | B | 31 | 17 | 6.5% | 5.88% |
| 10 | Capitol Federal Savings Bank | B | 30 | 20 | 16.7% | 6.75% |
| 11 | First State Bank of St. Charles, Missouri | A | 29 | 29 | 0.0% | 6.50% |
| 12 | Landmark National Bank | B | 27 | 19 | 11.1% | 6.13% |
| 13 | Arvest Bank | C | 26 | 16 | 23.1% | 7.38% |
| 14 | Newrez | D | 25 | 8 | 20.0% | 6.44% |
| 15 | Broker Solutions | D | 25 | 16 | 4.0% | 6.50% |
| 16 | U.S. Bank | D | 23 | 11 | 21.7% | 8.85% |
| 17 | Mainstreet Federal Credit Union | C | 23 | 13 | 21.7% | 8.00% |
| 18 | Mid-America Bank | A | 22 | 19 | 0.0% | 7.00% |
| 19 | Coastal Community Bank | C | 22 | 7 | 0.0% | 10.99% |
| 20 | AmeriSave Mortgage | D | 21 | 4 | 52.4% | 6.75% |
| 21 | Bank of America | F | 19 | 11 | 36.8% | 6.00% |
| 22 | Stride Bank | A | 19 | 13 | 5.3% | 6.50% |
| 23 | Fidelity Bank | C | 19 | 15 | 10.5% | 6.75% |
| 24 | Vanderbilt Mortgage and Finance | F | 18 | 7 | 22.2% | 6.13% |
| 25 | Gold Star Mortgage Financial Group | C | 17 | 10 | 0.0% | 6.63% |
Best approval odds in Miami County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First Option Bank | 57 | 12.3% |
| 2 | Communityamerica Credit Union | 75 | 13.3% |
| 3 | Rocket Mortgage | 87 | 14.9% |
What Miami County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Miami County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,262 | 816 | 15.2% | 6.75% | $195,000 |
| 2024 | 1,369 | 886 | 15.9% | 6.75% | $195,000 |
| 2025 | 1,418 | 920 | 14.3% | 6.63% | $215,000 |
Frequently asked questions
14.3% of applications in Miami County were denied in 2025, against 15.0% statewide in Kansas.
Rocket Mortgage, with 91 applications in 2025 and a denial rate of 14.3%.
The median mortgage application in Miami County in 2025 was for $215,000; the median property value on originated loans was $365,000.