Refinancing lenders in Johnson County
2,553 refinancing mortgages were made in Johnson County, Kansas, in 2025, by 266 lenders. The median rate their borrowers got was 6.125% on a median loan of $305,000. Of 3,124 decisions, 450 were denials — 14.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| COMMUNITYAMERICA CREDIT UNION | 374 | 6.125% | $155,000 | 12.5% |
| Rocket Mortgage, LLC | 151 | 5.875% | $335,000 | 18.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 122 | 5.750% | $385,000 | 10.1% |
| Commerce Bank | 108 | 8.750% | $145,000 | 14.2% |
| Fairway Independent Mortgage Corporation | 101 | 6.125% | $375,000 | 1.9% |
| UMB Bank, National Association | 100 | 5.990% | $155,000 | 22.1% |
| Capitol Federal Savings Bank | 88 | 8.000% | $125,000 | 12.9% |
| Arvest Bank | 72 | 6.625% | $435,000 | 12.8% |
| FREEDOM MORTGAGE CORPORATION | 68 | 6.125% | $360,000 | 2.3% |
| First National Bank of Omaha | 67 | 7.490% | $125,000 | 30.6% |
| PENNYMAC LOAN SERVICES, LLC | 61 | 6.000% | $325,000 | 9.7% |
| Bank of America, National Association | 52 | 6.183% | $120,000 | 22.4% |
| NBKC BANK | 52 | 6.000% | $405,000 | 21.2% |
| First State Bank of St. Charles, Missouri | 47 | 6.125% | $355,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 37 | 6.250% | $405,000 | 0.0% |
| U.S. Bank National Association | 33 | 6.625% | $365,000 | 5.6% |
| NEWREZ LLC | 28 | 6.063% | $405,000 | 20.0% |
| UNION HOME MORTGAGE CORP. | 28 | 5.990% | $425,000 | 6.7% |
| COMMUNITY MORTGAGE, LLC | 26 | 6.375% | $315,000 | 0.0% |
| MAINSTREET FEDERAL CREDIT UNION | 23 | 7.750% | $85,000 | 10.8% |
| Mid-America Bank | 23 | 7.000% | $255,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 22 | 6.125% | $280,000 | 11.5% |
| NATIONSTAR MORTGAGE LLC | 22 | 5.990% | $370,000 | 11.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 22 | 6.375% | $425,000 | 0.0% |
| Bell Bank | 21 | 5.990% | $395,000 | 8.3% |
| Prosperity Home Mortgage, LLC | 21 | 6.125% | $365,000 | 12.5% |
| Cornerstone First Mortgage, Inc | 20 | 6.625% | $455,000 | 4.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 20 | 5.688% | $420,000 | 0.0% |
| Fidelity Bank, National Association | 17 | 6.875% | $345,000 | 15.0% |
| Outdoor Bank | 17 | Not published | $445,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 16 | 5.990% | $355,000 | 5.3% |
| M SQUARED FINANCIAL LLC | 16 | 6.313% | $310,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 15 | 6.625% | $235,000 | 0.0% |
| First Bank | 15 | 6.375% | $365,000 | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 15 | 6.125% | $275,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 14 | 5.990% | $430,000 | 11.1% |
| Farmers Bank & Trust | 14 | 5.990% | $435,000 | 0.0% |
| DELMAR FINANCIAL COMPANY | 14 | 6.495% | $355,000 | 0.0% |
| The Central Trust Bank | 14 | 6.063% | $355,000 | 0.0% |
| Academy Bank, National Association | 13 | 6.500% | $415,000 | 13.3% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 5.990% | $315,000 | 54.2% |
| Mortgage Research Center, LLC | 12 | 5.990% | $345,000 | 42.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 11 | 6.250% | $485,000 | 7.7% |
| Intrust Bank, National Association | 11 | 8.000% | $195,000 | 15.4% |
| FIRST OPTION BANK | 11 | Not published | $225,000 | 8.3% |
| Oakstar Bank | 11 | 7.500% | $175,000 | 0.0% |
| Discover Bank | 10 | 8.950% | $100,000 | 54.2% |
| LEADERONE FINANCIAL CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 21.4% |
| First Federal Bank of Kansas City | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 30.8% |
| BOKF, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Equity Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SUMMIT FUNDING, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Bank of Prairie Village | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Mazuma Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Great Southern Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Empeople Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Mortgage Associates Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Nodaway Valley Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Landmark National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FRONTIER COMMUNITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Enterprise Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Stride Bank, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank of Kansas City | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JLB CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Great American Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ESB Financial | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hawthorn Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Silver Lake Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Patriots Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GNBank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KS StateBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emprise Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| American Mortgage Bank, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HEARTLAND CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Exchange Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RCB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kearney Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLES BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Commerce | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Brookfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCORE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of the Flint Hills | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First International Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mutual Savings Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CoreFirst Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED CONSUMERS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CONCEPTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sullivan Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 66 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.