Largest lenders in Sumner County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 41 | 23 | 39.0% | 6.63% |
| 2 | Guild Mortgage | A | 35 | 27 | 0.0% | 6.81% |
| 3 | Credit Union of America | C | 30 | 19 | 20.0% | 7.75% |
| 4 | MERITRUST Federal Credit Union | B | 26 | 19 | 15.4% | 6.88% |
| 5 | Fidelity Bank | C | 26 | 16 | 26.9% | 6.94% |
| 6 | Pennymac Loan Services | C | 24 | 13 | 8.3% | 6.25% |
| 7 | Freedom Mortgage | B | 24 | 6 | 25.0% | 6.25% |
| 8 | Bank of Commerce and Trust | – | 23 | 21 | 4.4% | — |
| 9 | Mortgage Research Center | C | 22 | 12 | 13.6% | 6.00% |
| 10 | United Shore Financial Services | B | 18 | 10 | 38.9% | 6.13% |
| 11 | Premier Members Credit Union | D | 16 | 7 | 31.3% | 7.50% |
| 12 | Panhandle Federal Credit Union | – | 16 | 13 | 18.8% | 6.94% |
| 13 | Pentagon Federal Credit Union | F | 15 | 8 | 40.0% | 5.94% |
| 14 | Home Bank and Trust | A | 14 | 8 | 14.3% | 6.63% |
| 15 | Flat Branch Mortgage | A | 14 | 13 | 0.0% | 6.50% |
| 16 | Fairway Independent Mortgage | B | 13 | 10 | 0.0% | 6.25% |
| 17 | Community National Bank & Trust | C | 12 | 11 | 0.0% | 7.95% |
| 18 | Newrez | D | 11 | 3 | 18.2% | 7.50% |
| 19 | Emprise Bank | D | 10 | 7 | 30.0% | 8.00% |
| 20 | Peoples Bank and Trust | A | 10 | 9 | 0.0% | 6.63% |
| 21 | Gateway First Bank | B | 9 | 6 | 0.0% | 6.69% |
| 22 | Vintage Bank Kansas | B | 9 | 7 | 11.1% | — |
| 23 | 21st Mortgage | F | 8 | 3 | 50.0% | 8.63% |
| 24 | Intrust Bank | C | 8 | 7 | 12.5% | 8.00% |
| 25 | Wichita Federal Credit Union | D | 8 | 5 | 12.5% | 8.25% |
What Sumner County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Sumner County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 677 | 401 | 21.0% | 6.75% | $105,000 |
| 2024 | 683 | 447 | 17.3% | 6.75% | $115,000 |
| 2025 | 732 | 438 | 20.1% | 6.75% | $115,000 |
Frequently asked questions
20.1% of applications in Sumner County were denied in 2025, against 15.0% statewide in Kansas.
Rocket Mortgage, with 41 applications in 2025 and a denial rate of 39.0%.
The median mortgage application in Sumner County in 2025 was for $115,000; the median property value on originated loans was $195,000.