Mortgage Lenders in Pottawatomie County, KS (2025): Denial Rates & Top Lenders

Largest lenders in Pottawatomie County

#	Lender	Grade	Applications	Originated	Denial rate	Median rate
1	The Kaw Valley State Bank and Trust Company, of Wamego, Kansas	A	76	75	0.0%	—
2	Bank of the Flint Hills	B	66	56	3.0%	—
3	Rocket Mortgage	C	49	43	8.2%	6.75%
4	United Shore Financial Services	B	47	34	8.5%	6.13%
5	Landmark National Bank	B	40	32	0.0%	6.25%
6	Navy Federal Credit Union	D	34	21	14.7%	6.13%
7	The Farmers State Bank of Westmoreland	–	33	32	0.0%	7.50%
8	Mortgage Research Center	C	33	16	18.2%	6.13%
9	Community First National Bank	B	31	29	3.2%	—
10	KANSAS STATE UNIVERSITY Federal Credit Union	–	23	13	13.0%	6.00%
11	Freedom Mortgage	B	21	10	0.0%	6.13%
12	Pennymac Loan Services	C	20	12	5.0%	6.39%
13	Luminate Bank	B	18	11	5.6%	6.63%
14	AmeriSave Mortgage	D	17	4	70.6%	6.38%
15	Capitol Federal Savings Bank	B	15	10	20.0%	6.75%
16	Outdoor Bank	B	14	13	0.0%	—
17	21st Mortgage	F	13	1	61.5%	9.81%
18	Crosscountry Mortgage	B	13	6	7.7%	6.58%
19	The Bennington State Bank	A	13	9	0.0%	—
20	Primelending, a Plainscapital	A	12	10	0.0%	6.68%
21	Fairway Independent Mortgage	B	11	10	0.0%	6.81%
22	Newrez	D	11	6	9.1%	6.25%
23	Triad Financial Services	D	10	3	40.0%	10.35%
24	Central National Bank	B	10	8	20.0%	6.56%
25	U.S. Bank	D	9	6	11.1%	6.63%

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#	Lender	Decided	Decision denial rate
1	The Kaw Valley State Bank and Trust Company, of Wamego, Kansas	75	0.0%
2	Bank of the Flint Hills	58	3.5%

Home purchase 433 47% · 8.8% denied

Refinance 197 21% · 9.6% denied

Cash-out refinance 187 20% · 20.3% denied

Home improvement 48 5% · 14.6% denied

Other / HELOC 56 6% · 26.8% denied

Conventional 644 70% · 13.4% denied

FHA 71 8% · 12.7% denied

VA 200 22% · 11.0% denied

USDA / RHS 6 1% · 0.0% denied

Credit history 30 26%

Debt-to-income ratio 28 24%

Incomplete application 21 18%

Collateral 18 16%

Other 10 9%

Unverifiable information 6 5%

Insufficient cash 1 1%

Employment history 1 1%

Year	Applications	Originated	Denial rate	Median rate	Median loan
2023	727	522	9.8%	6.75%	$205,000
2024	803	563	11.2%	6.75%	$205,000
2025	921	628	12.7%	6.50%	$215,000

What is the mortgage denial rate in Pottawatomie County, KS?

12.7% of applications in Pottawatomie County were denied in 2025, against 15.0% statewide in Kansas.

Who is the largest mortgage lender in Pottawatomie County?

The Kaw Valley State Bank and Trust Company, of Wamego, Kansas, with 76 applications in 2025 and a denial rate of 0.0%.

What is the typical loan size in Pottawatomie County?

The median mortgage application in Pottawatomie County in 2025 was for $215,000; the median property value on originated loans was $335,000.