Mortgage Lenders and Brokers in Clearwater, Kansas
Brian McKay
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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.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Clearwater, Kansas mortgage lenders include Emprise BankEmprise Bank201 E Ross St, Clearwater, KS 67026A+5.0 ★Texas Ratio: 3.11%, Peoples Bank and Trust CoPeoples Bank and Trust Co102 E Main St, Anthony, KS 67003A5.0 ★Texas Ratio: 7.49%, Fidelity BankFidelity Bank2542 N Rock Rd, Derby, KS 67037A5.0 ★Texas Ratio: 12.33%, Credit Union of AmericaCredit Union of America329 S Andover Rd, Andover, KS 67002A+5.0 ★Texas Ratio: 3.98%, Heartland Credit UnionHeartland Credit Union103 S Kansas St, Haven, KS 67543 9261A5.0 ★Texas Ratio: 9.12%, Halstead BankHalstead Bank329 Main St, Halstead, KS 67056A+5.0 ★Texas Ratio: 2.38%, Garden Plain State BankGarden Plain State Bank525 N Main St, Garden Plain, KS 67050A+5.0 ★Texas Ratio: 1.94%, Capitol Federal Savings BankCapitol Federal Savings Bank114 E Cloud Ave, Andover, KS 67002A+5.0 ★Texas Ratio: 5.21%, US Bank, N.A.US Bank, N.A.13020 W Canaan Dr, Bonner Springs, KS 66012A+5.0 ★Texas Ratio: 2.85%, and Mid American Credit UnionMid American Credit Union1610 N Summit St, Arkansas City, KS 67005 3917A+5.0 ★Texas Ratio: 4.51%. 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 Clearwater, Kansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Clearwater 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 Clearwater, Kansas
Market share is the lender's share of all home loans closed in Clearwater, 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 |
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1 office in Clearwater 201 E Ross St, Clearwater, KS 67026 A+5.0 ★Texas Ratio: 3.11% |
Conventional, HELOC | 1 +7 HELOCs |
1.2% | 100% | $375,000 | View |
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102 E Main St, Anthony, KS 67003 A5.0 ★Texas Ratio: 7.49% |
Conventional | 5 | 6.1% | 100% | $171,000 | View |
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2542 N Rock Rd, Derby, KS 67037 A5.0 ★Texas Ratio: 12.33% |
Conventional, FHA, HELOC | 4 +2 HELOCs |
4.9% | 100% | $215,000 | View |
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329 S Andover Rd, Andover, KS 67002 A+5.0 ★Texas Ratio: 3.98% |
Conventional, HELOC | 3 +2 HELOCs |
3.7% | 100% | $198,333 | View |
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103 S Kansas St, Haven, KS 67543 9261 A5.0 ★Texas Ratio: 9.12% |
Conventional | 2 | 2.4% | 100% | $195,000 | View |
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329 Main St, Halstead, KS 67056 A+5.0 ★Texas Ratio: 2.38% |
Conventional | 2 | 2.4% | 100% | $275,000 | View |
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525 N Main St, Garden Plain, KS 67050 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 2 | 2.4% | 100% | $200,000 | View |
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114 E Cloud Ave, Andover, KS 67002 A+5.0 ★Texas Ratio: 5.21% |
Conventional | 1 | 1.2% | 100% | $45,000 | View |
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13020 W Canaan Dr, Bonner Springs, KS 66012 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.2% | 100% | $175,000 | View |
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1610 N Summit St, Arkansas City, KS 67005 3917 A+5.0 ★Texas Ratio: 4.51% |
Conventional | 1 | 1.2% | 50% | $145,000 | View |
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502 N Merchant St, Belle Plaine, KS 67013 A+5.0 ★Texas Ratio: 0.93% |
Conventional | 1 | 1.2% | 100% | $125,000 | View |
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610 E Cloud Ave, Andover, KS 67002 8952 A+5.0 ★Texas Ratio: 4.29% |
Conventional | 1 | 1.2% | 100% | $25,000 | View |
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401 N Spruce St, Abilene, KS 67410 A+5.0 ★Texas Ratio: 1.45% |
Conventional | 1 | 1.2% | 100% | $275,000 | View |
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123 E Chicago Ave, Colwich, KS 67030 A+5.0 ★Texas Ratio: 0.45% |
Conventional | 1 | 1.2% | 100% | $225,000 | View |
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120 W 1st St, Ellsworth, KS 67439 3202 A+5.0 ★Texas Ratio: 5.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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137 W Maple St, Columbus, KS 66725 A+5.0 ★Texas Ratio: 0.89% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Citizens State Bank of Cheney
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Conventional | 2 | 2.4% | 100% | $90,000 | |
Members Mortgage Services, LLC
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FHA | 1 | 1.2% | 100% | $245,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 6 | 7.3% | 100% | $158,333 | |
Guild Mortgage Company
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Conventional | 6 | 7.3% | 85.7% | $168,333 | |
Mortgage Research Center
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VA | 5 | 6.1% | 71.4% | $243,000 | |
United Wholesale Mortgage
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FHA, VA | 3 | 3.7% | 100% | $215,000 | |
Rocket Mortgage
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Conventional | 3 | 3.7% | 50% | $135,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 3 | 3.7% | 100% | $268,333 | View |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 3 | 3.7% | 100% | $245,000 | |
Regent Financial Group
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Conventional, FHA | 2 | 2.4% | 100% | $315,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 2.4% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 2 | 2.4% | 100% | $240,000 | View |
Premier Members Credit Union
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Conventional | 2 | 2.4% | 100% | $55,000 | |
Neighborhood Loans, Inc
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Conventional | 1 | 1.2% | 33.3% | $5,000 | |
Newrez LLC
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Conventional | 1 | 1.2% | 50% | $65,000 | |
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A+5.0 ★Texas Ratio: 3.61% |
Conventional | 1 | 1.2% | 100% | $185,000 | View |
Equity Prime Mortgage LLC
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USDA | 1 | 1.2% | 100% | $165,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.2% | 33.3% | $155,000 | |
loanDepot.com LLC
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FHA | 1 | 1.2% | 66.7% | $125,000 | |
Flat Branch Mortgage, Inc.
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FHA | 1 | 1.2% | 100% | $265,000 | |
Servis One, Inc
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Conventional | 1 | 1.2% | 100% | $185,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 1.2% | 100% | $215,000 | |
Planet Home Lending, LLC
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FHA | 1 | 1.2% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 1.2% | 100% | $285,000 | View |
Towne Mortgage Company
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Conventional | 1 | 1.2% | 100% | $335,000 | |
Pentagon Federal Credit Union
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FHA | 1 | 1.2% | 100% | $265,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 1.2% | 100% | $245,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 1.2% | 100% | $125,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 1.2% | 100% | $105,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Clearwater 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 Clearwater, Kansas
Looking for mortgage lenders near me or mortgage brokers near me in Clearwater? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Clearwater in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Clearwater, KS
Use these to narrow the list above. Each category shows how many Clearwater, KS lenders fit and what that kind of lender is usually best for.
Who Lends in Clearwater, KS
Independent mortgage companies closed 56.1 percent of home loans in Clearwater, Kansas in 2025, banks 31.7 percent and credit unions 12.2 percent. Members Mortgage Services, LLC was the largest mortgage company, Emprise Bank the largest bank and Credit Union of America the largest credit union. Among lenders headquartered in Kansas, Emprise Bank led with 1 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 Clearwater, KS
By home loans closed in 2025, Emprise Bank was the largest mortgage lender in Clearwater, Kansas with 1 loans, about 1.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Clearwater, Kansas in 2025, led by Pennymac Loan Services LLC with 5. 3 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. 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. 16 banks and 7 credit unions closed home loans in Clearwater, Kansas in 2025, alongside 23 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 Clearwater, 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 Clearwater, 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 Clearwater. 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.
