Mortgage Lenders and Brokers in Emporia, 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
Emporia, Kansas mortgage lenders include ESB FinancialESB Financial801 Merchant St, Emporia, KS 66801A5.0 ★Texas Ratio: 13.44%, Capitol Federal Savings BankCapitol Federal Savings Bank602 Commercial St, Emporia, KS 66801A+5.0 ★Texas Ratio: 5.21%, Community National Bank & TrustCommunity National Bank & Trust701 Merchant St, Emporia, KS 66801A5.0 ★Texas Ratio: 6.38%, The Citizens State BankThe Citizens State Bank1448 Industrial Rd, Emporia, KS 66801A+5.0 ★Texas Ratio: 2.66%, NBH BankNBH Bank110 S 4th St, Edwardsville, KS 66111A+5.0 ★Texas Ratio: 2.90%, Flint Hills BankFlint Hills Bank408 Missouri Ave, Alma, KS 66401A+5.0 ★Texas Ratio: 0.96%, Equity BankEquity Bank500 Main St, Almena, KS 67622A5.0 ★Texas Ratio: 6.60%, Farmers and Drovers BankFarmers and Drovers Bank619 Main St, Alta Vista, KS 66834A+5.0 ★Texas Ratio: 0.90%, The Kansas State BankThe Kansas State Bank602 Ames St, Baldwin City, KS 66006A+5.0 ★Texas Ratio: 4.65%, and Bank of America NABank of America NA329 S Andover Rd, Andover, KS 67002A+5.0 ★Texas Ratio: 3.98%. 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 Emporia, Kansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Emporia 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 Emporia, Kansas
Market share is the lender's share of all home loans closed in Emporia, 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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801 Merchant St, Emporia, KS 66801 A5.0 ★Texas Ratio: 13.44% |
Conventional | 36 | 16.4% | 94.7% | $130,277 | View |
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1 office in Emporia 602 Commercial St, Emporia, KS 66801 A+5.0 ★Texas Ratio: 5.21% |
Conventional, HELOC | 6 +8 HELOCs |
2.7% | 75% | $141,666 | View |
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2 offices in Emporia 701 Merchant St, Emporia, KS 66801 A5.0 ★Texas Ratio: 6.38% |
Conventional, HELOC | 3 +6 HELOCs |
1.4% | 100% | $98,333 | View |
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1 office in Emporia 1448 Industrial Rd, Emporia, KS 66801 A+5.0 ★Texas Ratio: 2.66% |
Conventional | 3 | 1.4% | 100% | $121,666 | View |
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110 S 4th St, Edwardsville, KS 66111 A+5.0 ★Texas Ratio: 2.90% |
Conventional, FHA, VA | 59 | 26.8% | 98.3% | $172,457 | View |
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408 Missouri Ave, Alma, KS 66401 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 11 | 5% | 100% | $92,272 | View |
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500 Main St, Almena, KS 67622 A5.0 ★Texas Ratio: 6.60% |
Conventional, HELOC | 3 +1 HELOCs |
1.4% | 100% | $148,333 | View |
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619 Main St, Alta Vista, KS 66834 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 2 | 0.9% | 100% | $55,000 | View |
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602 Ames St, Baldwin City, KS 66006 A+5.0 ★Texas Ratio: 4.65% |
Conventional | 2 | 0.9% | 100% | $125,000 | View |
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329 S Andover Rd, Andover, KS 67002 A+5.0 ★Texas Ratio: 3.98% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $165,000 | View |
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2330 Ohio St, Augusta, KS 67010 A-4.2 ★Texas Ratio: 0.66% |
Conventional | 1 | 0.5% | 100% | $165,000 | View |
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1741 North Washington Street, Auburn, KS 66402 A+5.0 ★Texas Ratio: 5.97% |
Conventional | 1 | 0.5% | 100% | $305,000 | View |
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2000 W 103rd St, Leawood, KS 66206 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 33.3% | $225,000 | View |
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103 E Parallel St, Clifton, KS 66937 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 1 | 0.5% | 100% | $65,000 | View |
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408 Missouri Ave, Alma, KS 66401 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
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306 E Main St, Gardner, KS 66030 A5.0 ★Texas Ratio: 7.48% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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406 S Andover Rd, Andover, KS 67002 A+5.0 ★Texas Ratio: 3.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Members Mortgage Services, LLC
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Conventional, FHA, VA | 10 | 4.5% | 100% | $144,000 | |
Mortgage Investment Services Corporation
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Conventional | 1 | 0.5% | 50% | $235,000 | |
Leaderone Financial Corp.
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FHA | 1 | 0.5% | 100% | $345,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 17 | 7.7% | 73.1% | $147,352 | |
Mortgage Research Center
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FHA, VA | 9 | 4.1% | 81.8% | $236,111 | |
loanDepot.com LLC
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Conventional, FHA, VA | 6 | 2.7% | 100% | $133,333 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 4 | 1.8% | 100% | $177,500 | |
Pennymac Loan Services LLC
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Conventional, FHA | 3 | 1.4% | 60% | $55,000 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 1.4% | 60% | $118,333 | |
Nationstar Mortgage
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Conventional | 3 | 1.4% | 50% | $78,333 | |
United Wholesale Mortgage
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Conventional | 2 | 0.9% | 66.7% | $130,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 0.9% | 66.7% | $320,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $150,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.9% | 41.7% | $40,000 | |
Planet Home Lending, LLC
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FHA, VA | 2 | 0.9% | 100% | $210,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 0.9% | 100% | $175,000 | |
Mutual of Omaha Mortgage
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $375,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.5% | 100% | $175,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $95,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.5% | 80% | $275,000 | |
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A+5.0 ★Texas Ratio: 3.61% |
FHA | 1 | 0.5% | 100% | $215,000 | View |
Allied Mortgage Group, Inc
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Conventional | 1 | 0.5% | 100% | $195,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 16.7% | $75,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.5% | 100% | $175,000 | View |
Discover Bank
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Conventional | 1 | 0.5% | 50% | $65,000 | |
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A5.0 ★Texas Ratio: 6.19% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 100% | $195,000 | View |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.5% | 100% | $275,000 | View |
Nations Lending Corporation
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Conventional | 1 | 0.5% | 100% | $135,000 | |
T2 Financial LLC
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Conventional | 1 | 0.5% | 100% | $365,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.5% | 100% | $175,000 | View |
Pentagon Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $245,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.5% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $55,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.5% | 50% | $105,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a |
Emporia 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 Emporia, Kansas
Looking for mortgage lenders near me or mortgage brokers near me in Emporia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Emporia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Emporia, KS
Use these to narrow the list above. Each category shows how many Emporia, KS lenders fit and what that kind of lender is usually best for.
Who Lends in Emporia, KS
Independent mortgage companies closed 35.5 percent of home loans in Emporia, Kansas in 2025, banks 62.3 percent and credit unions 2.3 percent. Members Mortgage Services, LLC was the largest mortgage company, ESB Financial the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Kansas, ESB Financial led with 36 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 Emporia, KS
By home loans closed in 2025, ESB Financial was the largest mortgage lender in Emporia, Kansas with 36 loans, about 16.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Emporia, Kansas, NBH Bank approved the highest share of completed applications in 2025 at 98.3 percent, against a 84 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Emporia, Kansas in 2025, led by NBH Bank with 25. 10 lenders closed VA loans, led by Mortgage Research Center. 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. 23 banks and 4 credit unions closed home loans in Emporia, Kansas in 2025, alongside 27 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 Emporia, 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 Emporia, 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 Emporia. 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.
