Kansas Mortgage Lending
645 lenders reporting under HMDA
Statewide mortgage activity. Lenders filed 94,530 HMDA-reported mortgage applications in Kansas in 2024, originating 53,667 loans and denying 13,474. That puts the statewide denial rate at 14.3% and the approval (origination) rate at 56.8%. The average loan amount across Kansas was $220,449 at an average note rate of 7.13%. 645 distinct institutions — banks, credit unions, and independent mortgage companies — filed HMDA data covering activity in the state. Applications span 105 counties and 8 metropolitan areas.
What drives state-level differences. State mortgage denial rates reflect applicant mix more than lender stance. Credit profiles, loan-to-value ratios, debt-to-income, property type, and rural-versus-urban composition all move the number before any lender policy does. Demographic lending data reported under HMDA shows variation across applicant groups — for example, White applicants had an approval rate of 64.5% and denial rate of 14.7%; while Black or African American applicants had an approval rate of 49.3% and denial rate of 24.0%. These are derived race categories as reported by applicants and do not by themselves prove causation; credit score, income, and loan-to-value are not reported in HMDA and drive much of the underlying variation. Top counties by volume include Johnson County, Sedgwick County, Shawnee County.
How to read this page. These are aggregate 2024 HMDA disclosures published by the Consumer Financial Protection Bureau — a federal transparency dataset, not a real-time market feed. A state-level number is useful for context but cannot tell you what rate, fees, or underwriting any individual lender will offer a specific borrower. This page is informational data reporting, not financial, legal, or mortgage advice. Shop at least three lenders, compare Loan Estimates line-by-line, and consult a licensed mortgage professional before applying. Data reflects the CFPB HMDA 2024 Snapshot National Loan-Level Dataset; demographic fields reflect derived categories as reported by applicants.
Nearby Lenders in Kansas
Top HMDA-reporting lenders active in Kansas. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | ROCKET MORTGAGE | 3,070 | 5.7% |
| 2 | COMMUNITYAMERICA CREDIT UNION | 2,361 | 4.4% |
| 3 | FAIRWAY INDEPENDENT MORT CORP | 1,766 | 3.3% |
| 4 | FLAT BRANCH MORTGAGE, INC. | 1,543 | 2.9% |
| 5 | Capitol Federal Savings Bank | 1,436 | 2.7% |
Lending by Race in Kansas
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 61,619 | 64.5% | 14.7% |
| Black or African American | 3,287 | 49.3% | 24.0% |
| Asian | 2,542 | 56.8% | 18.3% |
| Joint | 2,079 | 66.7% | 13.8% |
| American Indian or Alaska Native | 860 | 44.9% | 28.0% |
| 2 or more minority races | 165 | 47.3% | 30.3% |
| Native Hawaiian or Other Pacific Islander | 100 | 46.0% | 30.0% |
Counties in Kansas
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Johnson County | 22,833 | 13,670 | 12.1% | $325,588 |
| Sedgwick County | 19,368 | 10,820 | 15.0% | $194,152 |
| Shawnee County | 6,272 | 3,897 | 14.3% | $168,565 |
| Wyandotte County | 5,739 | 2,902 | 19.1% | $182,667 |
| Leavenworth County | 3,267 | 1,830 | 11.9% | $240,277 |
| Douglas County | 3,176 | 2,025 | 12.3% | $252,110 |
| Butler County | 2,784 | 1,613 | 14.0% | $182,037 |
| Riley County | 2,099 | 1,175 | 12.5% | $203,313 |
| Reno County | 1,704 | 983 | 12.0% | $136,338 |
| Miami County | 1,557 | 879 | 13.9% | $242,071 |
| Geary County | 1,459 | 764 | 12.0% | $188,173 |
| Harvey County | 1,120 | 661 | 13.2% | $159,411 |
| Saline County | 1,022 | 527 | 15.1% | $174,335 |
| Franklin County | 1,016 | 598 | 14.4% | $187,244 |
| Crawford County | 1,012 | 574 | 13.4% | $171,877 |
| Cowley County | 917 | 495 | 16.9% | $138,621 |
| Pottawatomie County | 890 | 562 | 10.1% | $231,225 |
| Montgomery County | 885 | 435 | 15.1% | $116,232 |
| McPherson County | 815 | 539 | 10.9% | $165,331 |
| Jefferson County | 766 | 457 | 11.9% | $182,546 |
| Sumner County | 752 | 445 | 15.4% | $139,348 |
| Lyon County | 667 | 359 | 13.5% | $149,168 |
| Cherokee County | 616 | 304 | 15.4% | $134,010 |
| Finney County | 612 | 296 | 20.1% | $163,922 |
| Barton County | 565 | 328 | 18.9% | $106,858 |
| Ford County | 544 | 297 | 13.4% | $201,232 |
| Osage County | 529 | 326 | 15.1% | $148,327 |
| Dickinson County | 524 | 276 | 12.8% | $154,905 |
| Atchison County | 510 | 293 | 15.1% | $140,882 |
| Ellis County | 510 | 272 | 16.1% | $835,765 |
| Labette County | 507 | 250 | 21.1% | $112,949 |
| Jackson County | 378 | 225 | 14.3% | $160,265 |
| Linn County | 368 | 183 | 16.6% | $167,255 |
| Neosho County | 335 | 201 | 15.8% | $119,358 |
| Bourbon County | 331 | 169 | 16.9% | $135,725 |
| Seward County | 317 | 195 | 14.2% | $138,091 |
| Allen County | 315 | 190 | 17.1% | $96,905 |
| Marion County | 268 | 148 | 18.3% | $131,978 |
| Doniphan County | 237 | 140 | 19.4% | $117,574 |
| Nemaha County | 233 | 150 | 12.9% | $167,489 |
| Pratt County | 227 | 120 | 23.4% | $122,401 |
| Anderson County | 220 | 111 | 12.7% | $167,136 |
| Brown County | 219 | 120 | 21.9% | $129,703 |
| Wabaunsee County | 215 | 139 | 14.9% | $174,349 |
| Wilson County | 205 | 109 | 18.5% | $118,171 |
| Kingman County | 192 | 104 | 16.1% | $149,115 |
| Coffey County | 190 | 115 | 13.2% | $161,789 |
| Cloud County | 188 | 107 | 13.3% | $125,053 |
| Clay County | 171 | 82 | 18.1% | $164,298 |
| Pawnee County | 161 | 102 | 11.8% | $96,180 |
| Rice County | 159 | 100 | 13.2% | $123,994 |
| Morris County | 156 | 91 | 17.3% | $159,231 |
| Ottawa County | 140 | 76 | 12.9% | $139,857 |
| Marshall County | 139 | 86 | 12.2% | $357,446 |
| Thomas County | 139 | 75 | 18.0% | $132,986 |
| Harper County | 135 | 65 | 20.7% | $118,407 |
| Greenwood County | 131 | 77 | 16.0% | $85,458 |
| Sherman County | 125 | 46 | 32.0% | $161,640 |
| Gray County | 120 | 60 | 15.0% | $168,667 |
| Grant County | 117 | 70 | 17.9% | $135,085 |
| Russell County | 99 | 49 | 20.2% | $91,465 |
| Stevens County | 94 | 43 | 24.5% | $122,128 |
| Logan County | 85 | 37 | 17.6% | $116,765 |
| Barber County | 77 | 38 | 28.6% | $97,338 |
| Meade County | 76 | 38 | 18.4% | $128,026 |
| Phillips County | 76 | 34 | 25.0% | $114,474 |
| Woodson County | 74 | 39 | 24.3% | $111,486 |
| Scott County | 73 | 41 | 20.6% | $157,329 |
| Washington County | 72 | 46 | 18.1% | $122,778 |
| Mitchell County | 72 | 36 | 13.9% | $132,083 |
| Stafford County | 71 | 36 | 19.7% | $96,127 |
| Edwards County | 70 | 37 | 20.0% | $111,000 |
| Rush County | 68 | 39 | 11.8% | $84,853 |
| Gove County | 68 | 33 | 25.0% | $131,765 |
| Chase County | 63 | 36 | 15.9% | $132,460 |
| Rooks County | 61 | 25 | 31.1% | $106,967 |
| Norton County | 60 | 26 | 18.3% | $134,833 |
| Republic County | 59 | 31 | 22.0% | $92,288 |
| Ellsworth County | 58 | 27 | 20.7% | $124,138 |
| Decatur County | 54 | 24 | 24.1% | $108,889 |
| Ness County | 52 | 29 | 17.3% | $107,692 |
| Kearny County | 50 | 28 | 12.0% | $154,000 |
| Trego County | 46 | 21 | 15.2% | $131,957 |
| Haskell County | 45 | 23 | 13.3% | $135,889 |
| Sheridan County | 42 | 26 | 14.3% | $203,571 |
| Chautauqua County | 39 | 23 | 20.5% | $131,923 |
| Morton County | 38 | 22 | 23.7% | $107,895 |
| Smith County | 36 | 18 | 22.2% | $119,167 |
| Lincoln County | 35 | 18 | 14.3% | $121,286 |
| Rawlins County | 35 | 14 | 31.4% | $107,000 |
| Osborne County | 33 | 18 | 21.2% | $99,545 |
| Cheyenne County | 32 | 18 | 18.8% | $140,938 |
| Elk County | 31 | 21 | 16.1% | $135,968 |
| Jewell County | 27 | 11 | 11.1% | $122,037 |
| Hodgeman County | 26 | 11 | 19.2% | $212,308 |
| Kiowa County | 24 | 15 | 4.2% | $118,750 |
| Stanton County | 23 | 7 | 34.8% | $121,522 |
| Clark County | 21 | 12 | 14.3% | $122,619 |
| Wichita County | 21 | 11 | 23.8% | $148,810 |
| Hamilton County | 21 | 10 | 28.6% | $132,143 |
| Lane County | 20 | 9 | 20.0% | $114,500 |
| Graham County | 19 | 8 | 15.8% | $86,053 |
| Wallace County | 19 | 8 | 26.3% | $101,316 |
| Comanche County | 18 | 10 | 16.7% | $76,111 |
| Greeley County | 11 | 6 | 18.2% | $148,636 |
Metro Areas in Kansas
Frequently Asked Questions
How many mortgage applications were filed in Kansas?
What is the mortgage denial rate in Kansas?
What is the average mortgage loan amount in Kansas?
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Mortgage Lending Guides
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.
