Kansas · HMDA 2025
Mortgage lenders in Cloud County, KS
54 lenders reported 264 home-loan applications in Cloud County in 2025. 153 closed as loans ($17.4M), 35 were denied — a 17.9% denial rate on decided applications, close to the Kansas rate of 18.1%. The three most active lenders handled 29% of applications, led by MORTGAGE INVESTMENT SERVICES CORPORATION. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 264
- Loans originated
- 153
- Purchase / refinance
- 96 / 40
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cloud County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | MORTGAGE INVESTMENT SERVICES CORPORATION | 27 | 10.2% | — |
| 2 | The Bennington State Bank 75 out of 100, Strong | 25 | 9.5% | 4.5% |
| 3 | THE KAW VALLEY STATE BANK AND TRUST COMPANY, OF WAMEGO, KANSAS 85 out of 100, Very strong | 24 | 9.1% | 2.4% |
| 4 | The Citizens National Bank 72 out of 100, Strong | 19 | 7.2% | 2.4% |
| 5 | United Bank & Trust 79 out of 100, Strong | 19 | 7.2% | 14.2% |
| 6 | Rocket Mortgage, LLC | 13 | 4.9% | — |
| 7 | FREEDOM MORTGAGE CORPORATION | 13 | 4.9% | — |
| 8 | AmeriSave Mortgage Corporation | 12 | 4.5% | — |
| 9 | GUARANTEED RATE, INC. | 10 | 3.8% | — |
| 10 | NEWREZ LLC | 9 | 3.4% | — |
| 11 | NATIONSTAR MORTGAGE LLC | 9 | 3.4% | — |
| 12 | Central National Bank 78 out of 100, Strong | 8 | 3.0% | 12.5% |
| 13 | GNBank, National Association 80 out of 100, Strong | 5 | 1.9% | 12.7% |
| 14 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 1.9% | — |
| 15 | Landmark National Bank 62 out of 100, Moderate | 4 | 1.5% | 4.6% |
| 16 | Loandepot.Com, LLC | 3 | 1.1% | — |
| 17 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 1.1% | — |
| 18 | PENNYMAC LOAN SERVICES, LLC | 3 | 1.1% | — |
| 19 | Mortgage Research Center, LLC | 3 | 1.1% | — |
| 20 | U.S. Bank National Association 55 out of 100, Moderate | 3 | 1.1% | 39.5% |
| 21 | FIGURE LENDING LLC | 3 | 1.1% | — |
| 22 | PLANET HOME LENDING, LLC | 3 | 1.1% | — |
| 23 | Coastal Community Bank 35 out of 100, Low | 3 | 1.1% | 3.0% |
| 24 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 0.8% | 14.1% |
| 25 | Broker Solutions, Inc. | 2 | 0.8% | — |
| 26 | GOLDEN PLAINS CREDIT UNION 70 out of 100, Strong | 2 | 0.8% | 21.0% |
| 27 | SOFI BANK, NATIONAL ASSOCIATION | 2 | 0.8% | — |
| 28 | ROYAL UNITED MORTGAGE LLC | 2 | 0.8% | — |
| 29 | USAA Federal Savings Bank 64 out of 100, Moderate | 2 | 0.8% | 37.2% |
| 30 | UMB Bank, National Association 65 out of 100, Moderate | 2 | 0.8% | 30.5% |
| 31 | Truist Bank 63 out of 100, Moderate | 1 | 0.4% | 40.8% |
| 32 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 0.4% | 22.2% |
| 33 | Discover Bank | 1 | 0.4% | — |
| 34 | GUILD MORTGAGE COMPANY | 1 | 0.4% | — |
| 35 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.4% | 44.7% |
| 36 | Empeople Credit Union 58 out of 100, Moderate | 1 | 0.4% | 25.7% |
| 37 | LEADERONE FINANCIAL CORPORATION | 1 | 0.4% | — |
| 38 | AMERICAN FINANCIAL RESOURCES, INC. | 1 | 0.4% | — |
| 39 | Gateway First Bank 54 out of 100, Below average | 1 | 0.4% | 5.3% |
| 40 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | 0.4% | — |
Top 40 of 54 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