Mortgage Approval and Denial Rates in Kansas (2025 HMDA)
Mortgage denial rates in Kansas: lenders acted on 94,076 mortgage applications in Kansas in 2025 and denied 14.9% of them, down from 16.0% in 2024. The national denial rate was 17.7%.
Applications acted on
94,076
Loans originated
60,230
Denial rate
14.9%
Median loan
$165,000
Kansas against the national picture
Most-reported denial reason in Kansas: Credit history.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Brown County | 208 | 26.9% | $105,000 |
| Finney County | 601 | 24.1% | $175,000 |
| Sherman County | 105 | 23.8% | $115,000 |
| Marshall County | 139 | 23.7% | $135,000 |
| Harper County | 146 | 23.3% | $85,000 |
| Russell County | 122 | 23.0% | $95,000 |
| Wilson County | 232 | 21.6% | $105,000 |
| Montgomery County | 711 | 21.0% | $85,000 |
| Anderson County | 187 | 20.9% | $145,000 |
| Allen County | 303 | 20.5% | $85,000 |
| Linn County | 381 | 20.2% | $155,000 |
| Gray County | 104 | 20.2% | $165,000 |
| Bourbon County | 334 | 20.1% | $115,000 |
| Sumner County | 730 | 20.0% | $115,000 |
| Doniphan County | 249 | 19.7% | $115,000 |
| Marion County | 314 | 19.4% | $95,000 |
| Pratt County | 211 | 19.4% | $105,000 |
| Jackson County | 390 | 19.0% | $145,000 |
| Morris County | 175 | 18.9% | $125,000 |
| Wyandotte County | 5,767 | 18.8% | $155,000 |
| Cherokee County | 606 | 18.2% | $105,000 |
| Labette County | 477 | 18.2% | $95,000 |
| Wabaunsee County | 262 | 17.9% | $185,000 |
| Coffey County | 182 | 17.0% | $120,000 |
| Jefferson County | 763 | 16.9% | $165,000 |
| Ellis County | 490 | 16.7% | $155,000 |
| Shawnee County | 6,216 | 16.6% | $125,000 |
| Cowley County | 885 | 16.6% | $105,000 |
| Saline County | 982 | 16.4% | $135,000 |
| Thomas County | 140 | 16.4% | $120,000 |
| Kingman County | 204 | 16.2% | $115,000 |
| Lyon County | 621 | 16.1% | $125,000 |
| Neosho County | 363 | 16.0% | $105,000 |
| Greenwood County | 145 | 15.9% | $65,000 |
| Franklin County | 1,079 | 15.6% | $165,000 |
| Sedgwick County | 19,545 | 15.5% | $155,000 |
| Osage County | 561 | 15.5% | $135,000 |
| Dickinson County | 482 | 15.4% | $145,000 |
| Barton County | 667 | 15.1% | $105,000 |
| Seward County | 351 | 15.1% | $135,000 |
| Cloud County | 235 | 14.9% | $95,000 |
| Nemaha County | 218 | 14.7% | $125,000 |
| Ford County | 568 | 14.6% | $185,000 |
| Clay County | 226 | 14.6% | $135,000 |
| Miami County | 1,416 | 14.3% | $215,000 |
| Harvey County | 1,158 | 14.3% | $125,000 |
| Ottawa County | 119 | 14.3% | $125,000 |
| Grant County | 120 | 14.2% | $145,000 |
| Butler County | 2,942 | 14.1% | $155,000 |
| Rice County | 185 | 14.1% | $105,000 |
| McPherson County | 690 | 13.9% | $135,000 |
| Crawford County | 1,002 | 13.7% | $115,000 |
| Leavenworth County | 3,202 | 13.2% | $225,000 |
| Geary County | 1,308 | 13.1% | $195,000 |
| Pawnee County | 209 | 12.9% | $105,000 |
| Reno County | 1,816 | 12.7% | $105,000 |
| Pottawatomie County | 921 | 12.7% | $215,000 |
| Douglas County | 3,320 | 12.6% | $215,000 |
| Riley County | 1,797 | 12.3% | $195,000 |
| Atchison County | 455 | 11.9% | $125,000 |
| Johnson County | 23,572 | 11.7% | $275,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.