Kansas Mortgage Lending in 2025
Explore residential mortgage lending activity in Kansas using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 44,128 actionable applications (Actions 1, 2, and 3).
How Kansas Compares
Key metrics: Kansas vs. U.S. (2025)
| Metric | Kansas | U.S. |
|---|---|---|
| Actionable Apps | 44,128 | 5,197,320 |
| Approval Rate | 84.73% | 82.12% |
| Denial Rate | 15.27% | 17.88% |
| Originations | 35,804 | 4,052,301 |
| Originated Volume | $10.12 Billion | $1.58 Trillion |
| Median Loan | $245,000 | $325,000 |
Lending Trends in Kansas
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 49,282 | 55,609 | +12.84% |
| Actionable Apps | 40,169 | 44,128 | +9.86% |
| Originations | 32,436 | 35,804 | +10.38% |
| Approval Rate | 84.78% | 84.73% | -0.05 pp |
| Denial Rate | 15.22% | 15.27% | +0.05 pp |
| Median Loan | $225,000 | $245,000 | +8.89% |
| Dollar Volume | $8.55 Billion | $10.12 Billion | +18.29% |
Applications by Borrower Income (Kansas)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 9,561 | 89.84% | 10.16% |
| $150k+ | 9,265 | 92.90% | 7.10% |
| $50k–$99,999 | 16,582 | 84.09% | 15.91% |
| <$50k | 5,969 | 64.67% | 35.33% |
| Income unavailable/entity | 2,751 | 86.80% | 13.20% |
Metropolitan Areas in Kansas
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Kansas City | 40,037 | 34,395 | 88.44% |
| Wichita | 11,316 | 9,021 | 84.34% |
| Joplin | 3,576 | 2,888 | 84.23% |
| Topeka | 3,733 | 2,869 | 81.41% |
| Manhattan | 2,054 | 1,630 | 83.35% |
| St. Joseph | 1,888 | 1,538 | 84.90% |
| Lawrence | 1,574 | 1,323 | 86.85% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Kansas (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | ROCKET MORTGAGE | 2,841 | 79.89% |
| 2 | FAIRWAY INDEPENDENT MORT CORP | 1,732 | 97.87% |
| 3 | United Wholesale Mortgage | 1,662 | 87.30% |
| 4 | Mortgage Research Center | 1,285 | 78.92% |
| 5 | FLAT BRANCH MORTGAGE, INC. | 1,165 | 99.33% |
| 6 | COMMUNITYAMERICA FEDERAL CREDIT UNION | 1,135 | 95.79% |
| 7 | GUILD MORTGAGE COMPANY | 995 | 96.23% |
| 8 | PENNYMAC LOAN SERVICES LLC | 931 | 85.49% |
| 9 | FREEDOM MORTGAGE CORPORATION | 694 | 86.69% |
| 10 | Capitol Federal Savings Bank | 622 | 92.01% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
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