Mortgage lenders in Cowley County
551 mortgages were made in Cowley County, Kansas, in 2025, by 133 lenders. The median rate their borrowers got was 6.875% on a median loan of $115,000. Of 734 decisions, 147 were denials — 20.0%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Community National Bank & Trust | 106 | 8.000% | $85,000 | 8.9% |
| RCB Bank | 43 | 6.375% | $105,000 | 15.7% |
| Union State Bank | 35 | Not published | $115,000 | 14.3% |
| Rocket Mortgage, LLC | 31 | 6.625% | $105,000 | 17.5% |
| THE STOCK EXCHANGE BANK, CALDWELL, KANSAS | 17 | Not published | $55,000 | 0.0% |
| Citizens Bank of Kansas | 16 | Not published | $70,000 | 15.0% |
| GUILD MORTGAGE COMPANY | 15 | 6.750% | $135,000 | 0.0% |
| Mortgage Research Center, LLC | 13 | 6.250% | $195,000 | 23.5% |
| Gateway First Bank | 13 | 6.375% | $185,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 12 | 6.438% | $115,000 | 20.0% |
| MID AMERICAN CREDIT UNION | 11 | 9.000% | $115,000 | 21.4% |
| PENNYMAC LOAN SERVICES, LLC | 11 | 6.125% | $175,000 | 20.0% |
| Fairway Independent Mortgage Corporation | 10 | 6.990% | $100,000 | 0.0% |
| MERITRUST Federal Credit Union | 10 | 7.240% | $70,000 | 9.1% |
| Luminate Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Bank of Commerce | 8 | Under 10 loans | Under 10 loans | 25.0% |
| BMO Bank National Association | 7 | Under 10 loans | Under 10 loans | 41.7% |
| PREMIER MEMBERS CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Members Mortgage Services, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 53.8% |
| FLAT BRANCH MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF AMERICA | 4 | Under 10 loans | Under 10 loans | 40.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| REGENT FINANCIAL GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Commerce and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 8.3% |
| NEWREZ LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Emprise Bank | 3 | Under 10 loans | Under 10 loans | 60.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Intrust Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PANHANDLE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Farm Credit Mid-America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wichita Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Peoples Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-America Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY STATE BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SKYWARD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Central National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Carson Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Garden Plain State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN PLAINS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amarillo National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bennington State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Conway Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Chickasaw Community Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KS StateBank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE INVESTMENT SERVICES CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Vintage Bank Kansas | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Griffin Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OneAZ Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 549300FZVFXIG76Q3D24 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DESERT FINANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NexBank | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| WHITE EAGLE Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Regions Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE CLEARING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Cowley County
20 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| RCB Bank | 7 | $331.6 million |
| Union State Bank | 7 | $322.4 million |
| Community National Bank & Trust | 2 | $167.7 million |
| Citizens Bank of Kansas | 1 | $49.3 million |
| BMO Bank National Association | 1 | $23.1 million |
| The Stock Exchange Bank, Caldwell, Kansas | 1 | $21.1 million |
| Bank of Commerce | 1 | $14.2 million |
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When the next year’s lending figures are out for Cowley County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.