Kansas · HMDA 2025
Mortgage lenders in Clay County, KS
72 lenders reported 247 home-loan applications in Clay County in 2025. 148 closed as loans ($23.4M), 33 were denied — a 17.9% denial rate on decided applications, close to the Kansas rate of 18.1%. The three most active lenders handled 24% of applications, led by Rocket Mortgage, LLC. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 247
- Loans originated
- 148
- Purchase / refinance
- 81 / 48
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 20 | 8.1% | — |
| 2 | GNBank, National Association 80 out of 100, Strong | 20 | 8.1% | 12.7% |
| 3 | GUARANTEED RATE, INC. | 19 | 7.7% | — |
| 4 | Mortgage Research Center, LLC | 14 | 5.7% | — |
| 5 | United Bank & Trust 79 out of 100, Strong | 12 | 4.9% | 14.2% |
| 6 | Fairway Independent Mortgage Corporation | 9 | 3.6% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 9 | 3.6% | — |
| 8 | NEWREZ LLC | 7 | 2.8% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 7 | 2.8% | — |
| 10 | Riley State Bank 78 out of 100, Strong | 7 | 2.8% | 0.0% |
| 11 | THE KAW VALLEY STATE BANK AND TRUST COMPANY, OF WAMEGO, KANSAS 85 out of 100, Very strong | 7 | 2.8% | 2.4% |
| 12 | NEW DAY FINANCIAL, LLC | 7 | 2.8% | — |
| 13 | Landmark National Bank 62 out of 100, Moderate | 6 | 2.4% | 4.6% |
| 14 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | 2.0% | — |
| 15 | Navy Federal Credit Union 66 out of 100, Moderate | 4 | 1.6% | 32.9% |
| 16 | Loandepot.Com, LLC | 4 | 1.6% | — |
| 17 | AmeriSave Mortgage Corporation | 4 | 1.6% | — |
| 18 | KIND LENDING, LLC | 4 | 1.6% | — |
| 19 | ROYAL UNITED MORTGAGE LLC | 4 | 1.6% | — |
| 20 | Broker Solutions, Inc. | 3 | 1.2% | — |
| 21 | Central National Bank 78 out of 100, Strong | 3 | 1.2% | 12.5% |
| 22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | 1.2% | — |
| 23 | The Citizens National Bank 72 out of 100, Strong | 3 | 1.2% | 2.4% |
| 24 | 21st Mortgage Corporation | 2 | 0.8% | — |
| 25 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.8% | 22.2% |
| 26 | SPRING EQ, LLC | 2 | 0.8% | — |
| 27 | Outdoor Bank 31 out of 100, Low | 2 | 0.8% | 4.2% |
| 28 | MORTGAGE INVESTMENT SERVICES CORPORATION | 2 | 0.8% | — |
| 29 | FIGURE LENDING LLC | 2 | 0.8% | — |
| 30 | Capitol Federal Savings Bank 61 out of 100, Moderate | 2 | 0.8% | 14.2% |
| 31 | PLANET HOME LENDING, LLC | 2 | 0.8% | — |
| 32 | The Bennington State Bank 75 out of 100, Strong | 2 | 0.8% | 4.5% |
| 33 | FREEDOM MORTGAGE CORPORATION | 2 | 0.8% | — |
| 34 | Members Mortgage Services, L.L.C. | 2 | 0.8% | — |
| 35 | Community First National Bank 77 out of 100, Strong | 2 | 0.8% | 4.0% |
| 36 | MERITRUST Federal Credit Union | 2 | 0.8% | — |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 2 | 0.8% | — |
| 38 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 2 | 0.8% | 32.9% |
| 39 | Coastal Community Bank 35 out of 100, Low | 2 | 0.8% | 3.0% |
| 40 | First National Bank of Omaha 72 out of 100, Strong | 2 | 0.8% | 25.9% |
Top 40 of 72 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Kansas
- Johnson County 26,945 apps
- Sedgwick County 21,882 apps
- Shawnee County 6,793 apps
- Wyandotte County 6,679 apps
- Leavenworth County 3,727 apps
- Douglas County 3,621 apps
- Butler County 3,276 apps
- Reno County 2,112 apps
- Riley County 2,056 apps
- Miami County 1,605 apps
- Geary County 1,517 apps
- Harvey County 1,296 apps