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Sedgwick County, Kansas · 2025

Mortgage lenders in Sedgwick County, KS: denial rates and top lenders (2025)

377 lenders acted on 19,594 mortgage applications for properties in Sedgwick County in 2025. 15.4% were denied (Kansas: 15.0%). Median rate on closed loans 6.75%; median loan $155,000; median property value $255,000.

20kApplications
15.4%Denial ratestate 15.0%
6.75%Median ratestate 6.63%
$155,000Median loan
$255,000Median property value

Largest lenders in Sedgwick County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Credit Union of America C 1,330811 20.5%7.75%
2 Rocket Mortgage C 869629 18.6%6.61%
3 MERITRUST Federal Credit Union B 814644 7.4%6.75%
4 Fidelity Bank C 749546 13.6%6.88%
5 Guild Mortgage A 723552 3.7%6.63%
6 Emprise Bank D 633378 29.9%7.70%
7 Mortgage Research Center C 511285 13.1%6.25%
8 Pennymac Loan Services C 502325 9.6%6.38%
9 United Shore Financial Services B 502373 11.0%6.13%
10 Premier Members Credit Union D 488368 7.6%6.50%
11 Peoples Bank and Trust A 468419 2.8%6.88%
12 Intrust Bank C 462291 25.5%7.50%
13 Gateway First Bank B 371300 2.4%6.50%
14 Zippy Loans D 338108 28.7%8.00%
15 Capitol Federal Savings Bank B 336249 13.4%6.75%
16 Sierra Pacific Mortgage Company C 331263 5.4%6.63%
17 Freedom Mortgage B 329150 9.7%6.25%
18 Bank of America F 315109 38.4%6.24%
19 Heartland Credit Union D 312212 11.5%6.99%
20 Wichita Federal Credit Union D 273166 16.5%7.50%
21 Newrez D 24096 18.3%6.75%
22 Planet Home Lending B 224197 7.1%6.50%
23 Flat Branch Mortgage A 217181 0.5%6.50%
24 Commerce Bank D 19398 30.1%6.57%
25 Fairway Independent Mortgage B 190149 4.2%6.50%

Best approval odds in Sedgwick County

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

#LenderDecidedDecision denial rate
1The First National Bank of Hutchinson650.0%
2Regent Financial Group980.0%
3Flat Branch Mortgage1830.6%
4Home Bank and Trust1100.9%
5American Financial Resources771.3%
6Union State Bank561.8%
7KS StateBank862.3%
8Coastal Community Bank1242.4%
9Ark-La-Tex Financial Services, LLC.712.8%
10American Mortgage Bank1422.8%

What Sedgwick County borrowers applied for

By loan purpose

Home purchase 9,615 49% · 8.8% denied
Refinance 3,132 16% · 13.8% denied
Cash-out refinance 3,270 17% · 22.2% denied
Home improvement 1,831 9% · 29.0% denied
Other / HELOC 1,746 9% · 28.2% denied

By loan type

Conventional 14,917 76% · 15.7% denied
FHA 2,577 13% · 16.7% denied
VA 2,051 10% · 12.0% denied
USDA / RHS 49 0% · 6.1% denied

Why applications were denied

Credit history 962 32%
Debt-to-income ratio 866 29%
Incomplete application 378 13%
Collateral 341 11%
Other 212 7%
Unverifiable information 99 3%
Insufficient cash 77 3%
Employment history 43 1%
Mortgage insurance denied 2 0%

Sedgwick County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202316,07910,16818.2%6.88%$135,000
202417,30611,01717.1%6.88%$145,000
202519,59412,49615.4%6.75%$155,000

Frequently asked questions

15.4% of applications in Sedgwick County were denied in 2025, against 15.0% statewide in Kansas.

Credit Union of America, with 1,330 applications in 2025 and a denial rate of 20.5%.

The median mortgage application in Sedgwick County in 2025 was for $155,000; the median property value on originated loans was $255,000.