States › Kansas
Kansas mortgage lending
Every HMDA reporter's applications, originations and denial rate for properties in Kansas, with all 105 counties.
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. Record year 2024.
Kansas had 84,253 HMDA-reported mortgage applications and 54,091 originations ($13bn) in 2024, from 267 lenders with at least 25 applications in the state.
The statewide denial rate was 19.2% (national 24.3%) and the median rate spread 0.4 percentage points (national 0.3). Originations ran at 46.1 per 1,000 households, against 48.0 nationally.
Originations in the state went from 61,822 in 2018 to 54,091 in 2024; the denial rate moved from 18.5% to 19.2%.
The most active lenders by originations were Rocket Mortgage (3,070), Communityamerica Credit Union (2,361) and Fairway Independent Mort Corp (1,766).
Most active lenders in Kansas
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 4,026 | 3,070 | $575m | 16.8% | 0.5 |
| 2 | Communityamerica Credit Union | 3,330 | 2,361 | $592m | 15.5% | -0.6 |
| 3 | Fairway Independent Mort Corp | 2,179 | 1,766 | $489m | 3.1% | 0.4 |
| 4 | Flat Branch Mortgage, Inc. | 1,833 | 1,543 | $310m | 1.5% | 0.5 |
| 5 | Capitol Federal Savings Bank | 1,977 | 1,436 | $381m | 12.2% | 0.0 |
| 6 | United Wholesale Mortgage | 1,724 | 1,315 | $355m | 12.0% | 0.2 |
| 7 | Mortgage Research Center | 2,072 | 1,210 | $290m | 17.8% | -0.0 |
| 8 | Credit Union of America | 1,821 | 992 | $105m | 28.3% | 0.3 |
| 9 | Peoples Bank and Trust Co | 1,070 | 924 | $153m | 5.8% | 0.3 |
| 10 | Meritrust Federal Credit Union | 1,256 | 910 | $172m | 12.3% | 0.3 |
| 11 | Fidelity Bank | 1,213 | 904 | $187m | 15.1% | 0.3 |
| 12 | Community National Bank & Trust | 975 | 803 | $103m | 7.1% | 1.3 |
| 13 | Commerce Bank | 1,542 | 796 | $151m | 34.6% | -0.1 |
| 14 | Us Bank, N.A. | 1,472 | 748 | $149m | 38.0% | 1.1 |
| 15 | Envista Federal Credit Union | 1,048 | 718 | $72m | 17.6% | 0.7 |
| 16 | Pennymac Loan Services LLC | 1,298 | 692 | $159m | 18.2% | 0.1 |
| 17 | Landmark National Bank | 784 | 619 | $138m | 4.9% | 0.0 |
| 18 | Arvest Bank | 901 | 615 | $240m | 15.8% | 0.2 |
| 19 | Emprise Bank | 1,040 | 614 | $96m | 33.4% | 0.8 |
| 20 | Bank of America NA | 1,225 | 525 | $103m | 42.0% | 1.5 |
| 21 | First State Bank of St Charles | 524 | 524 | $179m | 0.0% | 0.1 |
| 22 | Guild Mortgage Company | 704 | 506 | $108m | 5.0% | 0.5 |
| 23 | Golden Plains Credit Union | 664 | 502 | $51m | 14.2% | -0.1 |
| 24 | Freedom Mortgage Corporation | 1,046 | 500 | $126m | 19.4% | 0.4 |
| 25 | Mid America Bank | 532 | 498 | $127m | 0.0% | 0.4 |
| 26 | Sierra Pacific Mortgage Co. Inc | 643 | 479 | $98m | 12.2% | 0.4 |
| 27 | Primelending | 548 | 438 | $124m | 5.1% | 0.4 |
| 28 | Navy Federal Credit Union | 852 | 434 | $86m | 27.6% | 0.0 |
| 29 | Mainstreet Federal Credit Union | 723 | 429 | $41m | 25.6% | 0.9 |
| 30 | Nationstar Mortgage | 651 | 429 | $74m | 16.1% | 1.1 |
| 31 | Intrust Bank, NA | 684 | 427 | $77m | 28.1% | 0.7 |
| 32 | NBH Bank | 548 | 423 | $80m | 12.2% | 0.3 |
| 33 | Crosscountry Mortgage, LLC | 633 | 410 | $128m | 3.5% | 0.3 |
| 34 | Loandepot.com, LLC | 796 | 406 | $71m | 33.8% | 0.8 |
| 35 | Nbkc Bank | 544 | 396 | $147m | 10.0% | -0.1 |
| 36 | UMB Bank NA | 596 | 390 | $103m | 25.1% | -0.8 |
| 37 | Azura Credit Union | 752 | 381 | $30m | 23.1% | 1.0 |
| 38 | Triad Financial Services, Inc. | 1,178 | 373 | $16m | 49.4% | 2.1 |
| 39 | Discover Bank | 1,767 | 367 | $27m | 70.0% | 2.4 |
| 40 | Gateway First Bank | 450 | 350 | $79m | 4.6% | 0.4 |
| 41 | The Central Trust Bank | 507 | 344 | $81m | 17.4% | 0.3 |
| 42 | CoreFirst Bank & Trust | 472 | 344 | $41m | 12.5% | 1.1 |
| 43 | Equity Bank | 527 | 343 | $60m | 20.2% | -0.4 |
| 44 | Flagstar Bank NA | 499 | 343 | $74m | 19.8% | 0.3 |
| 45 | Leaderone Financial Corp. | 466 | 320 | $82m | 9.6% | 0.5 |
| 46 | Newrez LLC | 797 | 315 | $72m | 32.2% | 0.5 |
| 47 | First National Bank of Omaha | 482 | 306 | $60m | 22.2% | 0.5 |
| 48 | M Squared Financial LLC | 373 | 306 | $98m | 1.3% | 0.3 |
| 49 | Bell Bank | 399 | 298 | $93m | 4.8% | 0.2 |
| 50 | Prosperity Home Mortgage, LLC | 378 | 292 | $96m | 1.7% | 0.3 |
| 51 | Heartland Credit Union | 429 | 279 | $44m | 13.1% | 0.7 |
| 52 | Figure Lending LLC | 573 | 276 | $18m | 28.3% | 4.2 |
| 53 | Neighborhood Loans, Inc. | 366 | 275 | $60m | 19.8% | 0.6 |
| 54 | The Bennington State Bank | 337 | 270 | $50m | 5.6% | — |
| 55 | Planet Home Lending, LLC | 305 | 262 | $57m | 10.8% | 0.4 |
| 56 | JPMorgan Chase Bank, NA | 374 | 257 | $80m | 11.8% | 0.1 |
| 57 | First Bank | 324 | 252 | $86m | 4.9% | 0.2 |
| 58 | BMO Harris Bank NA | 561 | 250 | $45m | 43.0% | 1.2 |
| 59 | Ark-La-Tex Financial Services LLC | 311 | 238 | $66m | 2.4% | 0.4 |
| 60 | Usaa Bank | 405 | 233 | $63m | 27.3% | -0.2 |
Top 60 of 267 lenders with at least 25 applications in the state, by originations. 155 lenders have 100 or more applications here and link to a state-specific page.
Compared with the nation
| Measure | Kansas | United States |
|---|---|---|
| Denial rate | 19.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.2% | 15.6% |
| Average originated loan | $242k | $329k |
| Originations per 1,000 households | 46.1 | 48.0 |
| Home purchase share of originations | 58.5% | 57.0% |
| FHA-insured share | 11.3% | 13.4% |
| VA-guaranteed share | 9.3% | 7.9% |
Trend, 2018–2024
ApplicationsOriginations
KansasUnited States
FHA share of originationsVA share
| Year | Applications | Originations | Amount | Denial rate | FHA | VA | Refinance share |
|---|---|---|---|---|---|---|---|
| 2018 | 92,786 | 61,822 | $11bn | 18.5% | 12.6% | 7.9% | 27.2% |
| 2019 | 104,621 | 70,623 | $14bn | 16.6% | 11.9% | 9.0% | 35.6% |
| 2020 | 154,574 | 107,156 | $23bn | 12.8% | 8.8% | 9.4% | 55.2% |
| 2021 | 152,451 | 105,074 | $23bn | 13.3% | 9.3% | 9.6% | 52.0% |
| 2022 | 98,340 | 63,356 | $15bn | 18.3% | 9.7% | 7.9% | 27.7% |
| 2023 | 76,787 | 48,992 | $11bn | 19.8% | 11.1% | 7.7% | 19.3% |
| 2024 | 84,253 | 54,091 | $13bn | 19.2% | 11.3% | 9.3% | 24.4% |
Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).
Loan purpose and loan type, 2024
By purpose
Home purchase 58% (31,629)Home improvement 9% (4,883)Refinancing 13% (6,994)Cash-out refinancing 11% (6,181)Other purpose 8% (4,399)
By type
Conventional 78% (42,255)FHA 11% (6,098)VA 9% (5,038)USDA 1% (700)
Counties
| County | Applications | Originations | Per 1,000 households | Denial rate | Median spread | Lenders |
|---|---|---|---|---|---|---|
| Johnson County | 20,541 | 13,724 | 55.0 | 16.3% | 0.2 | 109 |
| Sedgwick County | 17,306 | 11,017 | 53.3 | 20.1% | 0.4 | 103 |
| Shawnee County | 5,799 | 3,899 | 51.7 | 17.6% | 0.6 | 43 |
| Wyandotte County | 5,199 | 2,922 | 47.5 | 26.1% | 0.5 | 55 |
| Douglas County | 2,993 | 2,026 | 40.2 | 15.6% | 0.4 | 32 |
| Leavenworth County | 2,847 | 1,847 | 61.2 | 16.7% | 0.3 | 35 |
| Butler County | 2,531 | 1,636 | 64.6 | 18.9% | 0.4 | 26 |
| Riley County | 1,739 | 1,176 | 42.5 | 17.6% | 0.2 | 19 |
| Reno County | 1,470 | 992 | 38.8 | 16.2% | 0.6 | 10 |
| Miami County | 1,369 | 886 | 64.5 | 19.0% | 0.4 | 9 |
| Geary County | 1,223 | 765 | 54.0 | 18.0% | -0.1 | 10 |
| Harvey County | 1,001 | 672 | 49.1 | 17.1% | 0.5 | 11 |
| Franklin County | 906 | 601 | 57.7 | 18.7% | 0.5 | 7 |
| Crawford County | 889 | 574 | 36.2 | 18.6% | 0.6 | 8 |
| Pottawatomie County | 803 | 563 | 60.0 | 13.3% | 0.2 | 7 |
| McPherson County | 712 | 541 | 44.5 | 13.9% | 0.4 | 6 |
| Saline County | 876 | 529 | 23.5 | 21.7% | 0.4 | 6 |
| Cowley County | 825 | 496 | 37.1 | 22.8% | 0.7 | 5 |
| Montgomery County | 783 | 481 | 37.3 | 20.9% | 0.9 | 7 |
| Jefferson County | 698 | 458 | 61.8 | 15.6% | 0.5 | 5 |
| Sumner County | 683 | 447 | 49.8 | 20.3% | 0.4 | 6 |
| Lyon County | 556 | 359 | 26.6 | 19.6% | 0.5 | 4 |
| Barton County | 510 | 328 | 31.6 | 23.6% | 0.3 | 3 |
| Osage County | 484 | 326 | 50.7 | 18.9% | 0.6 | 2 |
| Cherokee County | 520 | 304 | 38.5 | 23.2% | 0.6 | 5 |
| Ford County | 467 | 298 | 25.3 | 19.1% | 0.3 | 3 |
| Finney County | 519 | 296 | 22.4 | 28.3% | 0.4 | 3 |
| Atchison County | 462 | 293 | 51.1 | 19.5% | 0.6 | 4 |
| Dickinson County | 452 | 276 | 34.4 | 18.6% | 0.4 | 4 |
| Ellis County | 443 | 272 | 22.2 | 21.1% | 0.1 | 3 |
| Labette County | 441 | 252 | 31.2 | 29.1% | 0.8 | 5 |
| Jackson County | 350 | 225 | 44.9 | 18.2% | 0.6 | 2 |
| Neosho County | 304 | 203 | 31.4 | 19.7% | 0.7 | 2 |
| Seward County | 284 | 195 | 26.9 | 18.4% | 0.3 | 4 |
| Allen County | 287 | 191 | 38.1 | 21.7% | 0.8 | 3 |
| Linn County | 336 | 184 | 42.3 | 23.6% | 0.6 | 1 |
| Bourbon County | 294 | 170 | 29.1 | 24.1% | 0.5 | 1 |
| Nemaha County | 224 | 150 | 37.2 | 16.3% | 0.6 | 3 |
| Marion County | 249 | 149 | 31.4 | 23.4% | 0.7 | 0 |
| Doniphan County | 222 | 140 | 51.4 | 24.2% | 0.8 | 2 |
| Wabaunsee County | 198 | 139 | 51.8 | 18.2% | 0.5 | 0 |
| Brown County | 211 | 120 | 31.6 | 27.4% | 0.4 | 2 |
| Pratt County | 202 | 120 | 34.6 | 29.1% | 0.6 | 2 |
| Coffey County | 175 | 116 | 32.7 | 17.0% | 0.5 | 0 |
| Anderson County | 193 | 111 | 34.6 | 18.8% | 0.5 | 1 |
| Wilson County | 184 | 110 | 31.3 | 25.2% | 0.9 | 1 |
| Cloud County | 168 | 107 | 28.0 | 17.6% | 0.5 | 0 |
| Kingman County | 174 | 105 | 33.2 | 22.6% | 0.4 | 0 |
| Pawnee County | 140 | 102 | 42.7 | 15.1% | 0.4 | 0 |
| Rice County | 144 | 100 | 26.9 | 16.9% | 0.5 | 1 |
| Morris County | 145 | 91 | 35.7 | 22.1% | 0.3 | 1 |
| Marshall County | 134 | 89 | 21.3 | 16.0% | 0.4 | 0 |
| Clay County | 151 | 82 | 23.3 | 27.2% | 0.2 | 0 |
| Greenwood County | 121 | 77 | 28.9 | 20.4% | 0.8 | 0 |
| Ottawa County | 123 | 76 | 31.6 | 17.3% | 0.2 | 1 |
| Thomas County | 125 | 75 | 23.9 | 23.6% | 0.5 | 0 |
| Grant County | 104 | 70 | 29.4 | 22.6% | 0.2 | 1 |
| Harper County | 114 | 66 | 29.9 | 27.5% | 0.5 | 0 |
| Gray County | 104 | 60 | 28.1 | 22.5% | 0.4 | 0 |
| Russell County | 87 | 49 | 15.8 | 27.0% | 0.4 | 0 |
| Sherman County | 114 | 46 | 18.8 | 44.4% | 0.5 | 0 |
| Washington County | 69 | 46 | 19.4 | 21.7% | — | 1 |
| Stevens County | 81 | 43 | 22.8 | 33.3% | 0.4 | 0 |
| Scott County | 65 | 41 | 17.9 | 25.9% | 0.4 | 0 |
| Rush County | 59 | 39 | 28.1 | 15.1% | 0.6 | 0 |
| Woodson County | 72 | 39 | 31.1 | 29.5% | 0.7 | 0 |
| Barber County | 71 | 38 | 20.8 | 36.7% | 1.0 | 0 |
| Meade County | 68 | 38 | 25.3 | 26.4% | 0.6 | 0 |
| Edwards County | 61 | 37 | 31.8 | 26.4% | 0.8 | 0 |
| Logan County | 70 | 37 | 29.8 | 25.4% | 0.5 | 0 |
| Chase County | 57 | 36 | 31.4 | 20.0% | — | 0 |
| Mitchell County | 54 | 36 | 13.4 | 21.7% | 0.4 | 0 |
| Stafford County | 65 | 36 | 22.8 | 27.5% | 0.9 | 0 |
| Phillips County | 68 | 34 | 15.0 | 31.1% | 0.0 | 1 |
| Gove County | 59 | 33 | 28.3 | 33.3% | 0.3 | 0 |
| Republic County | 52 | 31 | 15.5 | 28.9% | — | 0 |
| Ness County | 50 | 29 | 25.0 | 23.7% | — | 0 |
| Kearny County | 40 | 28 | 19.6 | 17.6% | 0.4 | 0 |
| Ellsworth County | 53 | 27 | 11.0 | 29.3% | — | 0 |
| Norton County | 52 | 26 | 13.0 | 26.8% | — | 0 |
| Sheridan County | 40 | 26 | 26.3 | 17.6% | — | 0 |
| Chautauqua County | 38 | 25 | 18.4 | 23.5% | — | 0 |
| Rooks County | 56 | 25 | 11.7 | 41.3% | — | 0 |
| Decatur County | 45 | 24 | 18.1 | 31.7% | — | 0 |
| Haskell County | 37 | 23 | 16.4 | 18.8% | — | 0 |
| Morton County | 34 | 22 | 22.6 | 29.0% | — | 0 |
| Elk County | 29 | 21 | 21.0 | 18.5% | — | 0 |
| Trego County | 38 | 21 | 15.4 | 21.9% | — | 0 |
| Cheyenne County | 29 | 18 | 14.9 | 24.0% | — | 0 |
| Lincoln County | 31 | 18 | 14.1 | 19.2% | — | 0 |
| Osborne County | 30 | 18 | 11.4 | 26.9% | — | 0 |
| Smith County | 30 | 18 | 11.4 | 29.6% | — | 0 |
| Kiowa County | 19 | 15 | 15.7 | — | — | 0 |
| Rawlins County | 33 | 14 | 12.0 | 44.0% | — | 0 |
| Clark County | 17 | 12 | 15.2 | — | — | 0 |
| Hodgeman County | 23 | 11 | 15.8 | — | — | 0 |
| Jewell County | 25 | 11 | 8.4 | — | — | 0 |
| Wichita County | 20 | 11 | 13.3 | — | — | 0 |
| Comanche County | 15 | 10 | 12.1 | — | — | 0 |
| Hamilton County | 20 | 10 | 13.2 | — | — | 0 |
| Lane County | 16 | 9 | 12.7 | — | — | 0 |
| Graham County | 17 | 8 | 6.7 | — | — | 0 |
| Wallace County | 17 | 8 | 13.4 | — | — | 0 |
| Stanton County | 22 | 7 | 8.2 | — | — | 0 |
| Greeley County | 9 | 6 | 11.1 | — | — | 0 |
By originations. Lenders: those with at least 25 applications in the county.
VA-guaranteed loans by month
VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Kansas originations by year is charted above from HMDA.
Questions and answers
Which mortgage lenders are most active in Kansas?
By 2024 originations: Rocket Mortgage (3,070), Communityamerica Credit Union (2,361), Fairway Independent Mort Corp (1,766), Flat Branch Mortgage, Inc. (1,543), Capitol Federal Savings Bank (1,436). 267 lenders had at least 25 applications in the state.
What is the mortgage denial rate in Kansas?
19.2% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
How has mortgage lending in Kansas changed since 2018?
Originations went from 61,822 in 2018 to 54,091 in 2024; the denial rate moved from 18.5% to 19.2%.
Where does this data come from?
From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.