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Mortgage Research Center in Kansas
HMDA record for properties in Kansas, calendar year 2024. National record · Kansas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Mortgage Research Center's 2024 HMDA record for Kansas covers 2,072 applications, 1,210 of them originated, worth $290m.
Its denial rate in the state was 17.8%, close to the Kansas rate of 19.2% across all lenders and compared with the lender's national rate of 24.0%.
The median rate spread on its Kansas originations was -0.0 percentage points (state median 0.4).
Applications in the state were up 23% on 2023.
Compared with the state and the lender's national record
| Measure | In Kansas | Kansas, all lenders | Mortgage Research Center, all states | United States |
|---|---|---|---|---|
| Denial rate | 17.8% | 19.2% | 24.0% | 24.3% |
| Median rate spread, pp | -0.0 | 0.4 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.6% | 14.2% | 0.8% | 15.6% |
| Average originated loan | $239k | $242k | $315k | $329k |
| Home purchase share | 83.2% | 58.5% | 81.8% | 57.0% |
| FHA-insured share | 2.3% | 11.3% | 2.9% | 13.4% |
| VA-guaranteed share | 92.6% | 9.3% | 92.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKansas, all lenders
Loan purpose and loan type in Kansas
By purpose
Home purchase 83% (1,007)Refinancing 13% (152)Cash-out refinancing 4% (51)
By type
Conventional 5% (58)FHA 2% (28)VA 93% (1,121)USDA 0% (3)
Denial reasons as coded
Share of 266 denials in Kansas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kansas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 410 | 233 | $57m | 16.9% |
| Geary County | 246 | 157 | $31m | 15.9% |
| Shawnee County | 161 | 98 | $24m | 13.8% |
| Leavenworth County | 120 | 76 | $24m | 14.3% |
| Johnson County | 142 | 74 | $28m | 20.0% |
| Riley County | 89 | 59 | $16m | 11.9% |
| Butler County | 68 | 38 | $8.7m | 19.1% |
| Wyandotte County | 52 | 31 | $7.9m | 20.5% |
| Dickinson County | 40 | 26 | $5.1m | 18.8% |
| Saline County | 39 | 25 | $5.5m | 10.3% |
| Reno County | 39 | 23 | $4.4m | 20.7% |
| Douglas County | 40 | 21 | $6.5m | 24.1% |
| Harvey County | 33 | 21 | $4.7m | 15.4% |
| Pottawatomie County | 30 | 16 | $4.3m | — |
| Miami County | 33 | 15 | $3.9m | — |
| Cowley County | 28 | 11 | $1.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mortgage Research Center originate in Kansas in 2024?
1,210 loans totalling $290m, from 2,072 applications reported for properties in Kansas.
What is Mortgage Research Center's denial rate in Kansas?
17.8% of decided applications in Kansas were denied, against 19.2% for all lenders in the state and 24.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kansas counties does Mortgage Research Center lend in most?
By originations: Sedgwick County (233), Geary County (157), Shawnee County (98), Leavenworth County (76), Johnson County (74).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kansas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.