Mortgage Lenders and Brokers in Centralia, Kansas
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Centralia, Kansas mortgage lenders include First Heritage BankFirst Heritage Bank620 4th St, Centralia, KS 66415A+5.0 ★Texas Ratio: 0.00%, Gnbank, N.A.Gnbank, N.A.501 E Washington St, Arma, KS 66712A+5.0 ★Texas Ratio: 0.84%, United Bank & TrustUnited Bank & Trust722 Main St, Beattie, KS 66406A+5.0 ★Texas Ratio: 0.88%, The Farmers State BankThe Farmers State Bank209 Montana Ave, Holton, KS 66436A+5.0 ★Texas Ratio: 2.37%, Capitol Federal Savings BankCapitol Federal Savings Bank114 E Cloud Ave, Andover, KS 67002A+5.0 ★Texas Ratio: 5.21%, The Farmers State Bank of WestmorelandThe Farmers State Bank of Westmoreland8685 E Us Highway 24, Manhattan, KS 66502A5.0 ★Texas Ratio: 9.50%, Community National BankCommunity National Bank15718 Pinehurst Dr, Basehor, KS 66007A4.9 ★Texas Ratio: 9.62%, Mortgage Investment Services CorporationMortgage Investment Services CorporationShawnee, KS, Leaderone Financial Corp.Leaderone Financial Corp.Overland Park, KS, and Rocket Mortgage. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Centralia, Kansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Centralia are listed first, then lenders elsewhere in Kansas, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Centralia, Kansas
Market share is the lender's share of all home loans closed in Centralia, Kansas. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
|
620 4th St, Centralia, KS 66415 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 15 | 36.6% | 83.3% | $138,333 | View |
|
501 E Washington St, Arma, KS 66712 A+5.0 ★Texas Ratio: 0.84% |
Conventional | 6 | 14.6% | 85.7% | $141,666 | View |
|
722 Main St, Beattie, KS 66406 A+5.0 ★Texas Ratio: 0.88% |
Conventional | 3 | 7.3% | 60% | $215,000 | View |
|
209 Montana Ave, Holton, KS 66436 A+5.0 ★Texas Ratio: 2.37% |
Conventional | 2 | 4.9% | 100% | $390,000 | View |
|
114 E Cloud Ave, Andover, KS 67002 A+5.0 ★Texas Ratio: 5.21% |
Conventional | 1 | 2.4% | 100% | $85,000 | View |
|
8685 E Us Highway 24, Manhattan, KS 66502 A5.0 ★Texas Ratio: 9.50% |
Conventional | 1 | 2.4% | 100% | $125,000 | View |
|
15718 Pinehurst Dr, Basehor, KS 66007 A4.9 ★Texas Ratio: 9.62% |
Conventional | 1 | 2.4% | 100% | $95,000 | View |
Mortgage Investment Services Corporation
|
Conventional | 1 | 2.4% | 100% | $145,000 | |
Leaderone Financial Corp.
|
FHA | 1 | 2.4% | 100% | $205,000 | |
Rocket Mortgage
|
Conventional, VA | 3 | 7.3% | 100% | $85,000 | |
Primelending
|
Conventional, FHA | 2 | 4.9% | 100% | $110,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 2.4% | 100% | $105,000 | View |
Pennymac Loan Services LLC
|
VA | 1 | 2.4% | 100% | $135,000 | |
Pivot Financial Partners, Inc
|
FHA | 1 | 2.4% | 100% | $95,000 | |
Cardinal Financial Company, Li
|
Conventional | 1 | 2.4% | 100% | $415,000 | |
Mortgage Research Center
|
VA | 1 | 2.4% | 100% | $105,000 |
Centralia Mortgage Rate Trends
Daily average mortgage rates for Kansas compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Centralia, Kansas
Looking for mortgage lenders near me or mortgage brokers near me in Centralia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Centralia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Centralia, KS
Use these to narrow the list above. Each category shows how many Centralia, KS lenders fit and what that kind of lender is usually best for.
Who Lends in Centralia, KS
Independent mortgage companies closed 22 percent of home loans in Centralia, Kansas in 2025, banks 78 percent and credit unions 0 percent. Mortgage Investment Services Corporation was the largest mortgage company, First Heritage Bank the largest bank. Among lenders headquartered in Kansas, First Heritage Bank led with 15 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Kansas. None; the mortgage registration tax was fully phased out in 2019.
More Kansas Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Centralia, KS
By home loans closed in 2025, First Heritage Bank was the largest mortgage lender in Centralia, Kansas with 15 loans, about 36.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Centralia, Kansas in 2025, led by Leaderone Financial Corp. with 1. 3 lenders closed VA loans, led by Rocket Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 9 banks and 0 credit unions closed home loans in Centralia, Kansas in 2025, alongside 7 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Centralia, Kansas during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Centralia, Kansas for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Centralia. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
