State report · HMDA 2025

Kansas mortgages and home buyers, 2025

Incomes, down payments, rates, loan costs, denials and lenders across Kansas's 105 counties, from official HMDA records.

HMDA 2025 data released June 23, 2026

In 2025, lenders reported 27,196 home-purchase mortgages for owner-occupied, single-family homes in Kansas. The median buyer borrowed $255,000 on a home valued at $295,000 and reported a household income of $100,000.

Buyers financed a median 93.3% of the home's value (roughly 6.7% down), paid a median 6.625% on 30-year fixed conventional loans and faced median conventional loan costs of $3,290.

Lenders denied 6.6% of completed home-purchase applications.

Purchase loans

27,196

539 lenders active

Buyer income

$100,000

U.S. $116,000

Down payment

6.7%

U.S. 10%

30-yr fixed rate

6.625%

U.S. 6.625%

Loan costs

$3,290

Conventional · U.S. $5,570

FHA limit 2026

$541,287

1-unit home, all counties

Key facts

Home buyers' median income ($100,000) is 14% lower than the U.S. median ($116,000).
Median conventional loan costs ($3,290) were 41% lower than the U.S. median ($5,570).
The most common age bracket among borrowers was 25–34 (34.8% of purchase loans).
50.0% of purchase mortgages had a single borrower with no co-applicant.
The most-cited reason for denial was debt-to-income ratio (33.7% of denials with a stated reason).

The 2026 conforming limit is $832,750 for a one-unit home in every Kansas county. See every Kansas county's 2026 FHA and conforming loan limits.

Kansas counties compared

Click a column to sort. Medians shown with at least 30 loans.

County	Purchase loans	Median loan	Buyer income	Down payment	30-yr rate	Loan costs	Denial rate	FHA limit
Allen County	78	$135,000	$75,000	5.4%	6.750%	$2,980	14.7%	$541,287
Anderson County	50	$165,000	$80,000	3.5%	—	—	8.8%	$541,287
Atchison County	109	$175,000	$84,000	3.6%	6.625%	$3,050	3.3%	$541,287
Barber County	23	—	—	—	—	—	16.1%	$541,287
Barton County	164	$155,000	$80,000	5.0%	6.500%	$2,510	13.3%	$541,287
Bourbon County	75	$135,000	$65,000	5.0%	6.500%	$2,880	15.6%	$541,287
Brown County	47	$145,000	$81,000	3.5%	—	—	20.6%	$541,287
Butler County	798	$235,000	$101,000	5.9%	6.624%	$3,400	7.4%	$541,287
Chase County	19	—	—	—	—	—	—	$541,287
Chautauqua County	11	—	—	—	—	—	—	$541,287
Cherokee County	174	$145,000	$68,000	3.5%	6.750%	$3,210	7.3%	$541,287
Cheyenne County	6	—	—	—	—	—	—	$541,287
Clark County	11	—	—	—	—	—	—	$541,287
Clay County	66	$185,000	$89,000	3.5%	—	—	13.0%	$541,287
Cloud County	70	$115,000	$63,000	6.2%	—	—	11.9%	$541,287
Coffey County	64	$175,000	$91,000	7.0%	—	—	4.3%	$541,287
Comanche County	2	—	—	—	—	—	—	$541,287
Cowley County	235	$145,000	$73,000	5.0%	6.625%	$3,250	9.2%	$541,287
Crawford County	263	$145,000	$71,000	4.0%	6.625%	$3,480	7.8%	$541,287
Decatur County	20	—	—	—	—	—	—	$541,287
Dickinson County	161	$185,000	$85,000	3.5%	6.750%	$2,440	8.3%	$541,287
Doniphan County	58	$155,000	$72,000	5.7%	—	—	13.2%	$541,287
Douglas County	927	$285,000	$117,000	14.7%	6.625%	$2,880	4.6%	$541,287
Edwards County	18	—	—	—	—	—	—	$541,287
Elk County	10	—	—	—	—	—	—	$541,287
Ellis County	154	$195,000	$89,000	5.0%	6.490%	$2,780	12.3%	$541,287
Ellsworth County	18	—	—	—	—	—	—	$541,287
Finney County	159	$225,000	$90,000	3.5%	6.500%	$3,230	18.5%	$541,287
Ford County	227	$225,000	$83,000	4.3%	6.625%	$2,590	6.5%	$541,287
Franklin County	310	$215,000	$85,000	5.0%	6.750%	$3,090	5.6%	$541,287
Geary County	481	$215,000	$82,000	0.0%	6.500%	$2,600	6.7%	$541,287
Gove County	13	—	—	—	—	—	—	$541,287
Graham County	11	—	—	—	—	—	—	$541,287
Grant County	34	$155,000	$79,000	3.5%	—	—	10.3%	$541,287
Gray County	27	—	—	—	—	—	9.7%	$541,287
Greeley County	6	—	—	—	—	—	—	$541,287
Greenwood County	30	$125,000	$79,000	—	—	—	17.1%	$541,287
Hamilton County	6	—	—	—	—	—	—	$541,287
Harper County	35	$125,000	$81,000	—	—	—	12.2%	$541,287
Harvey County	341	$185,000	$83,000	5.0%	6.625%	$3,420	6.0%	$541,287
Haskell County	11	—	—	—	—	—	—	$541,287
Hodgeman County	5	—	—	—	—	—	—	$541,287
Jackson County	105	$195,000	$92,000	5.0%	6.750%	$3,000	12.4%	$541,287
Jefferson County	202	$255,000	$105,000	5.0%	6.750%	$3,390	8.7%	$541,287
Jewell County	8	—	—	—	—	—	—	$541,287
Johnson County	7,318	$385,000	$144,000	17.0%	6.625%	$3,290	3.2%	$541,287
Kearny County	14	—	—	—	—	—	—	$541,287
Kingman County	62	$125,000	$73,000	10.0%	—	—	12.2%	$541,287
Kiowa County	9	—	—	—	—	—	—	$541,287
Labette County	130	$125,000	$62,000	3.5%	6.750%	$3,410	5.6%	$541,287
Lane County	7	—	—	—	—	—	—	$541,287
Leavenworth County	979	$305,000	$116,000	5.0%	6.625%	$3,500	5.1%	$541,287
Lincoln County	7	—	—	—	—	—	—	$541,287
Linn County	67	$195,000	$95,000	10.0%	6.625%	$3,420	16.5%	$541,287
Logan County	9	—	—	—	—	—	—	$541,287
Lyon County	184	$175,000	$74,000	5.0%	6.625%	$2,450	7.0%	$541,287
McPherson County	222	$195,000	$80,000	5.0%	6.625%	$3,050	6.6%	$541,287
Marion County	94	$145,000	$65,000	5.0%	6.750%	$3,170	4.8%	$541,287
Marshall County	40	$155,000	$76,000	—	—	—	21.6%	$541,287
Meade County	14	—	—	—	—	—	—	$541,287
Miami County	399	$305,000	$112,000	5.0%	6.625%	$3,380	5.3%	$541,287
Mitchell County	30	$115,000	$59,000	—	—	—	12.8%	$541,287
Montgomery County	166	$115,000	$60,000	3.5%	6.625%	$3,150	10.0%	$541,287
Morris County	50	$155,000	$80,000	—	—	—	9.1%	$541,287
Morton County	8	—	—	—	—	—	—	$541,287
Nemaha County	81	$175,000	$88,000	—	—	—	7.9%	$541,287
Neosho County	100	$135,000	$75,000	3.5%	6.625%	$3,170	7.8%	$541,287
Ness County	15	—	—	—	—	—	—	$541,287
Norton County	11	—	—	—	—	—	—	$541,287
Osage County	149	$185,000	$83,000	5.0%	6.750%	$2,950	5.1%	$541,287
Osborne County	13	—	—	—	—	—	—	$541,287
Ottawa County	47	$165,000	$84,000	3.5%	—	—	3.9%	$541,287
Pawnee County	72	$125,000	$67,000	5.0%	—	$2,150	7.4%	$541,287
Phillips County	21	—	—	—	—	—	26.7%	$541,287
Pottawatomie County	284	$275,000	$103,000	7.0%	6.625%	$2,900	6.1%	$541,287
Pratt County	57	$135,000	$73,000	3.5%	6.750%	$2,670	15.1%	$541,287
Rawlins County	9	—	—	—	—	—	—	$541,287
Reno County	533	$155,000	$73,000	5.0%	6.750%	$3,250	5.6%	$541,287
Republic County	23	—	—	—	—	—	—	$541,287
Rice County	47	$145,000	$81,000	7.5%	—	—	9.3%	$541,287
Riley County	575	$255,000	$102,000	5.0%	6.625%	$3,020	4.3%	$541,287
Rooks County	19	—	—	—	—	—	33.3%	$541,287
Rush County	20	—	—	—	—	—	—	$541,287
Russell County	34	$125,000	$68,000	—	—	—	15.6%	$541,287
Saline County	291	$185,000	$86,000	5.0%	6.625%	$2,840	8.5%	$541,287
Scott County	14	—	—	—	—	—	—	$541,287
Sedgwick County	5,619	$225,000	$91,000	5.0%	6.500%	$3,610	7.3%	$541,287
Seward County	110	$185,000	$74,000	3.5%	—	—	8.0%	$541,287
Shawnee County	1,696	$205,000	$84,000	5.0%	6.625%	$3,050	5.4%	$541,287
Sheridan County	4	—	—	—	—	—	—	$541,287
Sherman County	27	—	—	—	—	—	21.6%	$541,287
Smith County	9	—	—	—	—	—	—	$541,287
Stafford County	19	—	—	—	—	—	—	$541,287
Stanton County	2	—	—	—	—	—	—	$541,287
Stevens County	22	—	—	—	—	—	—	$541,287
Sumner County	195	$165,000	$83,000	3.5%	6.625%	$3,150	12.6%	$541,287
Thomas County	42	$145,000	$75,000	3.5%	—	—	20.4%	$541,287
Trego County	10	—	—	—	—	—	—	$541,287
Wabaunsee County	66	$245,000	$94,000	4.0%	—	—	13.2%	$541,287
Wallace County	3	—	—	—	—	—	—	$541,287
Washington County	20	—	—	—	—	—	—	$541,287
Wichita County	6	—	—	—	—	—	—	$541,287
Wilson County	57	$125,000	$63,000	5.0%	—	—	18.1%	$541,287
Woodson County	11	—	—	—	—	—	—	$541,287
Wyandotte County	1,359	$225,000	$79,000	3.6%	6.625%	$3,260	6.5%	$541,287

Who bought homes in Kansas

Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.

Purchase loans

27,196

of 29,953 applications

Buyer income

$100,000

Middle half $68,000–$152,000

Home value

$295,000

Middle half $195,000–$435,000

Loan amount

$255,000

Middle half $165,000–$355,000

Down payment

6.7%

34.5% put 20%+ down

Single borrower

50.0%

No co-applicant

Values are medians; "middle half" is the 25th to 75th percentile.

Loan type

Conventional 69.0% 18,765

FHA 16.2% 4,413

VA 12.4% 3,377

USDA 2.4% 641

What the homes were for

Primary residence 93.6% 28,158

Second home 1.0% 302

Investment property 5.4% 1,633

All first-lien, closed-end purchase mortgages, including second homes and investors.

Borrower age

Under 25 10.3%

25–34 34.8%

35–44 24.5%

45–54 13.8%

55–64 9.3%

65–74 5.5%

75 and over 1.8%

Debt-to-income ratio

Under 20% 4.5%

20–29% 17.6%

30–35% 18.7%

36–42% 26.1%

43–49% 25.0%

50–60% 7.4%

Over 60% 0.7%

Monthly debts (including the new payment) as a share of income, as used in underwriting.

What borrowing cost in Kansas

Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.

Measure	Kansas	U.S.
30-year fixed rate · conventional	6.625%	6.625%
30-year fixed rate · FHA	6.500%	6.250%
30-year fixed rate · VA	6.250%	6.125%
15-year fixed rate · conventional	5.875%	5.875%
Rate spread vs. APOR · conventional	+0.18 pts	+0.13 pts
Total loan costs · conventional	$3,290	$5,570
Total loan costs · FHA	$7,630	$11,310
Total loan costs · VA	$4,910	$6,490
Origination charges (all loan types)	$1,370	$1,860
Borrowers paying discount points	44.5%	51.3%
Points paid, when paid (% of loan)	0.50%	0.87%
Borrowers receiving lender credits	28.8%	33.1%
Adjustable-rate mortgages	6.1%	7.4%
Jumbo loans (above conforming limit)	1.7%	3.8%

Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.

Approvals and denials

Kansas: 1,989 of 29,953 completed home-purchase applications were denied (6.6%).

Denial rate

Application	Kansas	U.S.
Home purchase	6.6%	8.5%
Conventional	5.7%	7.1%
FHA	9.8%	12.5%
VA	6.4%	8.0%
USDA	12.6%	12.5%
Refinance	16.6%	17.9%
Cash-out refinance	34.7%	33.6%

Main reason for purchase denials

Debt-to-income ratio 33.7%

Credit history 18.4%

Collateral (appraisal/property) 13.0%

Credit application incomplete 10.8%

Other 7.9%

Insufficient cash (down payment/closing costs) 7.9%

Unverifiable information 4.6%

Employment history 3.5%

Mortgage insurance denied 0.2%

First reason the lender reported.

Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.

Refinancing in Kansas

Refinances

5,635

Median loan $265,000

Refi rate

6.375%

30-yr fixed, conv.

Refi loan costs

$3,350

Conventional

Cash-out refis

4,476

Median loan $185,000

Cash-out rate

6.875%

30-yr fixed, conv.

Cash-out income

$89,000

Median borrower

Top mortgage lenders in Kansas

#	Lender	Loans	Share	Denial rate	30-yr rate*	Spread*	Costs*
1	Rocket Mortgage, LLC	2,784	7.5%	12.4%	6.625%	+0.26	$4,140
2	Fairway Independent Mortgage Corporation	1,722	4.6%	1.6%	6.875%	+0.31	$3,310
3	United Wholesale Mortgage (UWM)	1,645	4.4%	7.3%	6.625%	+0.27	$4,870
4	Veterans United Home Loans	1,262	3.4%	6.9%	6.625%	+0.26	$2,410
5	Flat Branch Mortgage, Inc.	1,134	3.0%	0.7%	6.625%	+0.30	$3,220
6	Communityamerica Credit Union	1,132	3.0%	1.5%	6.625%	+0.19	$3,180
7	Guild Mortgage Company	985	2.6%	2.9%	6.625%	+0.29	$3,890
8	Pennymac Loan Services, LLC	914	2.5%	10.7%	6.625%	+0.22	$3,400
9	Freedom Mortgage Corporation	686	1.8%	8.7%	—	—	—
10	Capitol Federal Savings Bank	622	1.7%	4.6%	6.500%	−0.06	$3,140
11	First State Bank of St. Charles, Missouri	549	1.5%	0.0%	6.500%	+0.01	$3,050
12	Landmark National Bank	549	1.5%	2.7%	6.375%	−0.03	$2,330
13	Peoples Bank and Trust Company	510	1.4%	1.6%	6.750%	+0.24	$3,070
14	CrossCountry Mortgage, Inc.	497	1.3%	1.2%	6.875%	+0.32	$3,820
15	Gateway First Bank	479	1.3%	2.8%	6.500%	+0.07	$3,340
16	Fidelity Bank, N.A.	459	1.2%	2.2%	6.625%	+0.19	$3,270
17	Meritrust Federal Credit Union	459	1.2%	1.7%	6.250%	−0.20	$3,130
18	Arvest Bank	432	1.2%	4.7%	6.625%	+0.13	$3,450
19	Primelending, a Plainscapital Company	416	1.1%	1.0%	6.875%	+0.27	$3,570
20	NBKC Bank	395	1.1%	2.3%	6.500%	−0.05	$2,290
21	NBH Bank	366	1.0%	3.2%	6.624%	+0.18	$2,730
22	U.S. Bank, N.A.	360	1.0%	7.3%	6.625%	+0.07	$2,790
23	Credit Union of America	350	0.9%	21.7%	6.625%	+0.12	$2,890
24	Leaderone Financial Corporation	346	0.9%	5.2%	6.750%	+0.31	$4,110
25	Sierra Pacific Mortgage Company, Inc.	338	0.9%	6.3%	6.625%	+0.29	$4,780

Largest lenders in Kansas by 2025 originations. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).

Metro areas in Kansas

Kansas City, MO-KS · 25,238 purchases
Wichita, KS · 6,953 purchases
Topeka, KS · 2,218 purchases
Joplin, MO-KS · 2,114 purchases
Manhattan, KS · 1,340 purchases
St. Joseph, MO-KS · 1,156 purchases
Lawrence, KS · 927 purchases

Source: FFIEC/CFPB HMDA 2025 public LAR; FHFA and HUD 2026 loan limits. Methodology