Kansas · HMDA 2025
Mortgage lenders in Cowley County, KS
132 lenders reported 994 home-loan applications in Cowley County in 2025. 553 closed as loans ($77.1M), 147 were denied — a 20.0% denial rate on decided applications, above the Kansas rate of 18.1%. The three most active lenders handled 24% of applications, led by Community National Bank & Trust. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 994
- Loans originated
- 553
- Purchase / refinance
- 304 / 156
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cowley County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Community National Bank & Trust 65 out of 100, Moderate | 137 | 13.8% | 5.6% |
| 2 | RCB Bank 72 out of 100, Strong | 58 | 5.8% | 9.7% |
| 3 | Union State Bank 76 out of 100, Strong | 46 | 4.6% | 6.0% |
| 4 | Rocket Mortgage, LLC | 45 | 4.5% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 42 | 4.2% | — |
| 6 | Mortgage Research Center, LLC | 25 | 2.5% | — |
| 7 | NEWREZ LLC | 23 | 2.3% | — |
| 8 | Citizens Bank of Kansas 72 out of 100, Strong | 22 | 2.2% | 12.7% |
| 9 | Gateway First Bank 54 out of 100, Below average | 20 | 2.0% | 5.3% |
| 10 | MID AMERICAN CREDIT UNION 58 out of 100, Moderate | 19 | 1.9% | 16.3% |
| 11 | GUILD MORTGAGE COMPANY | 18 | 1.8% | — |
| 12 | Sierra Pacific Mortgage Company, Inc. | 17 | 1.7% | — |
| 13 | THE STOCK EXCHANGE BANK, CALDWELL, KANSAS | 17 | 1.7% | — |
| 14 | Coastal Community Bank 35 out of 100, Low | 17 | 1.7% | 3.0% |
| 15 | BMO Bank National Association 83 out of 100, Strong | 16 | 1.6% | 40.5% |
| 16 | PLANET HOME LENDING, LLC | 16 | 1.6% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 14 | 1.4% | — |
| 18 | Luminate Bank 47 out of 100, Below average | 14 | 1.4% | 4.3% |
| 19 | AmeriSave Mortgage Corporation | 13 | 1.3% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 13 | 1.3% | — |
| 21 | Fairway Independent Mortgage Corporation | 12 | 1.2% | — |
| 22 | U.S. Bank National Association 55 out of 100, Moderate | 12 | 1.2% | 39.5% |
| 23 | Bank of Commerce 74 out of 100, Strong | 12 | 1.2% | 11.9% |
| 24 | Members Mortgage Services, L.L.C. | 12 | 1.2% | — |
| 25 | MERITRUST Federal Credit Union | 11 | 1.1% | — |
| 26 | CREDIT UNION OF AMERICA 75 out of 100, Strong | 11 | 1.1% | 29.0% |
| 27 | Emprise Bank 66 out of 100, Moderate | 11 | 1.1% | 34.6% |
| 28 | 21st Mortgage Corporation | 10 | 1.0% | — |
| 29 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 10 | 1.0% | 14.1% |
| 30 | PREMIER MEMBERS CREDIT UNION | 10 | 1.0% | — |
| 31 | UNITED SHORE FINANCIAL SERVICES, LLC | 9 | 0.9% | — |
| 32 | Bank of America, National Association 59 out of 100, Moderate | 9 | 0.9% | 44.7% |
| 33 | Fidelity Bank, National Association 60 out of 100, Moderate | 9 | 0.9% | 24.9% |
| 34 | PHH Mortgage Corporation | 9 | 0.9% | — |
| 35 | Broker Solutions, Inc. | 8 | 0.8% | — |
| 36 | The Federal Savings Bank 51 out of 100, Below average | 8 | 0.8% | 19.1% |
| 37 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 8 | 0.8% | 45.9% |
| 38 | FLAT BRANCH MORTGAGE, INC. | 8 | 0.8% | — |
| 39 | NEW DAY FINANCIAL, LLC | 8 | 0.8% | — |
| 40 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.7% | 32.9% |
Top 40 of 132 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