Best mortgage lenders in Kansas
No lender is best for everyone, so this page ranks Kansas lenders on what federal records can measure: who makes the most loans here, who leads for FHA and VA, and what their Kansas borrowers paid. All figures are 2025 HMDA data; no lender pays to be listed.
Who leads for what in Kansas
"Most loans" and "Largest average loan" are among the 15 lenders with the most Kansas originations in 2025 (the latter counts lenders with at least 300 loans in the state); FHA and VA leaders count every lender's home-purchase loans.
The 15 lenders that made the most home loans in Kansas
| # | Lender | Type | Loans | FHA | VA | Avg loan | Approval* |
|---|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | Nonbank lender | 3,859 | 19.9% | 9.7% | $195,049 | 80.2% |
| 2 | Communityamerica Credit Union | — | 2,521 | 2.5% | 1.0% | $258,059 | 85.0% |
| 3 | Fairway Independent Mortgage | Nonbank lender | 1,876 | 15.3% | 11.5% | $317,266 | 97.5% |
| 4 | United Wholesale Mortgage | Nonbank lender | 1,838 | 21.4% | 28.8% | $282,546 | 86.4% |
| 5 | Capitol Federal Savings Bank | — | 1,384 | 0.0% | 0.1% | $398,852 | 85.4% |
| 6 | Veterans United | Nonbank lender | 1,308 | 3.8% | 91.5% | $262,201 | 78.4% |
| 7 | PennyMac | Nonbank lender | 1,217 | 29.4% | 19.3% | $237,588 | 84.3% |
| 8 | Flat Branch Mortgage, Inc. | — | 1,216 | 26.4% | 7.9% | $208,281 | 99.3% |
| 9 | Guild Mortgage | Nonbank lender | 1,155 | 24.7% | 10.8% | $210,463 | 95.4% |
| 10 | Credit Union Of America | — | 1,143 | 0.3% | 0.0% | $109,339 | 72.0% |
| 11 | Peoples Bank and Trust Company | — | 1,134 | 0.0% | 0.0% | $224,321 | 95.0% |
| 12 | Community National Bank & Trust | — | 889 | 2.0% | 0.4% | $144,764 | 94.4% |
| 13 | Meritrust Federal Credit Union | — | 852 | 0.0% | 0.0% | $181,103 | 90.0% |
| 14 | Fidelity Bank, National Association | — | 805 | 6.2% | 4.0% | $218,950 | 85.1% |
| 15 | U.S. Bank | Bank | 772 | 3.1% | 2.3% | $212,967 | 61.6% |
Source: 2025 HMDA originations, FFIEC/CFPB. FHA/VA = share of each lender's Kansas loans. *Approval = originated ÷ (originated + denied); it mirrors a lender's channel and borrower mix, not how hard it is to qualify.
Also among the 25 lenders with the most HMDA filings here: Chase, Newrez, Freedom Mortgage, Mr. Cooper, Bank of America, Planet Home Lending, Commerce Bank, Zippy Loans, LLC, AmeriHome Mortgage Company, LLC, Arvest Bank.
FHA lenders in Kansas
4,554 FHA home-purchase loans were made in Kansas in 2025 by 196 lenders. The typical FHA buyer here paid $7,690 in loan costs, including the 1.75% upfront mortgage insurance premium, at a median rate of 6.50%. The ten lenders that made the most:
| # | Lender | FHA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | Flat Branch Mortgage, Inc. | 300 | 6.6% | $6,858 | +0.71 |
| 2 | Rocket Mortgage | 292 | 6.4% | $8,209 | +0.46 |
| 3 | Guild Mortgage | 267 | 5.9% | $8,006 | +0.92 |
| 4 | United Wholesale Mortgage | 253 | 5.6% | $8,769 | +0.51 |
| 5 | Fairway Independent Mortgage | 241 | 5.3% | $7,784 | +0.57 |
| 6 | Members Mortgage Services, L.L.C. | 136 | 3.0% | $6,544 | +0.41 |
| 7 | PennyMac | 133 | 2.9% | $7,825 | +0.36 |
| 8 | Planet Home Lending | 109 | 2.4% | $7,197 | +0.74 |
| 9 | Leaderone Financial Corporation | 100 | 2.2% | $9,892 | +0.84 |
| 10 | Nbh Bank | 100 | 2.2% | $4,502 | +0.22 |
| All Kansas FHA buyers | 4,554 | 100% | $7,690 | +0.59 |
Among them, Nbh Bank had the lowest median loan costs ($4,502) and Leaderone Financial Corporation the highest ($9,892) — $5,390 apart on similar loans, which is why a second Loan Estimate is worth getting.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien FHA home purchases in Kansas. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. How these figures are built.
VA lenders in Kansas
3,425 VA home-purchase loans were made in Kansas in 2025 by 165 lenders. The typical VA buyer here paid $4,951 in loan costs (including the VA funding fee for borrowers who owe it) at a median rate of 6.25%. The ten lenders that made the most:
| # | Lender | VA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | Veterans United | 988 | 28.8% | $4,099 | −0.21 |
| 2 | Fairway Independent Mortgage | 175 | 5.1% | $4,413 | −0.39 |
| 3 | Navy Federal Credit Union | 168 | 4.9% | $2,803 | −0.61 |
| 4 | United Wholesale Mortgage | 161 | 4.7% | $5,108 | −0.19 |
| 5 | USAA | 131 | 3.8% | $4,597 | −0.24 |
| 6 | Guild Mortgage | 118 | 3.4% | $5,583 | −0.03 |
| 7 | Rocket Mortgage | 102 | 3.0% | $6,728 | −0.35 |
| 8 | Flat Branch Mortgage, Inc. | 85 | 2.5% | $7,009 | −0.09 |
| 9 | Exchange Bank | 73 | 2.1% | $6,088 | −0.53 |
| 10 | PennyMac | 72 | 2.1% | $7,148 | −0.31 |
| All Kansas VA buyers | 3,425 | 100% | $4,951 | −0.24 |
Among them, Navy Federal Credit Union had the lowest median loan costs ($2,803) and PennyMac the highest ($7,148) — $4,345 apart, though VA costs also depend on how many of a lender's borrowers are exempt from the funding fee.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien VA home purchases in Kansas. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. Data notes and limits.
How concentrated is the Kansas market?
761 institutions reported Kansas home-loan records for 2025 — the 25th-fewest of any state. The single most active lender accounts for 5.4% of all records and the top five for 17.8%, the 2nd-least concentrated market of 51. With volume spread across many lenders, there is plenty of room to shop beyond the biggest names.
How to choose a lender in Kansas
Kansas borrowers took FHA loans 11.2% of the time and VA loans 9.3% (U.S. 13.2% and 8.2%). Every Kansas county uses the $832,750 conforming limit, so loans above it are jumbo and priced separately.
Get Loan Estimates from three or more lenders in the same two-week window (one credit inquiry) and compare APRs. For down-payment help, ask whether they are approved for KHRC's First Time Homebuyer (FTHB) — only participating lenders can offer them (terms and sources).
Kansas lender FAQ
Who is the biggest mortgage lender in Kansas?
By 2025 federal HMDA data, Rocket Mortgage originated the most home loans in Kansas — about 3,859, or 6.4% of the state's originations.
Which lender makes the most FHA loans in Kansas?
Flat Branch Mortgage, Inc. made the most FHA home-purchase loans in Kansas in 2025 — 300, or 6.6% of the 4,554 FHA purchases made by 196 lenders. Rocket Mortgage (292) was second.
Which lender makes the most VA loans in Kansas?
Veterans United made the most VA home-purchase loans in Kansas in 2025 (988, 28.8% of the state's VA purchases). VA loans were 9.3% of Kansas originations, the 25th-highest VA share among the states.
How much are closing costs on an FHA loan in Kansas?
The typical Kansas FHA buyer in 2025 paid $7,690 in total loan costs on a median $215,000 loan — lender fees, required third-party services and the 1.75% upfront mortgage insurance premium, per the Closing Disclosure.
That figure excludes recording taxes, prepaid interest and insurance, escrow deposits and the down payment.
Rankings are editorial and independent, built from public federal data — no lender pays to be listed. This is general information, not a recommendation or personalized advice. Confirm all terms directly with the lender.
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