Mortgage Lenders and Brokers in Garden City, 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
Garden City, Kansas mortgage lenders include Golden Plains Credit UnionGolden Plains Credit Union1714 E Kansas Ave, Garden City, KS 67846 6235A+5.0 ★Texas Ratio: 5.93%, Commerce BankCommerce Bank1111 Fleming St, Garden City, KS 67846A+5.0 ★Texas Ratio: 0.89%, BMO Harris Bank NABMO Harris Bank NA1301 E Kansas Ave, Garden City, KS 67846A+5.0 ★Texas Ratio: 3.54%, Landmark National BankLandmark National Bank1007 N Main St, Garden City, KS 67846A+5.0 ★Texas Ratio: 5.97%, Equity BankEquity Bank1901 E Mary St, Garden City, KS 67846A5.0 ★Texas Ratio: 6.60%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2101 N Rock Rd, Derby, KS 67037A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA2000 W 103rd St, Leawood, KS 66206A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA329 S Andover Rd, Andover, KS 67002A+5.0 ★Texas Ratio: 3.98%, Umb Bank NAUmb Bank NA400 N Broadway St, Abilene, KS 67410A+5.0 ★Texas Ratio: 1.78%, and US Bank, N.A.US Bank, N.A.13020 W Canaan Dr, Bonner Springs, KS 66012A+5.0 ★Texas Ratio: 2.85%. 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 Garden City, Kansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Garden City 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 Garden City, Kansas
Market share is the lender's share of all home loans closed in Garden City, 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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1714 E Kansas Ave, Garden City, KS 67846 6235 A+5.0 ★Texas Ratio: 5.93% |
Conventional, USDA, HELOC | 44 +29 HELOCs |
19.6% | 64% | $200,227 | View |
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1 office in Garden City 1111 Fleming St, Garden City, KS 67846 A+5.0 ★Texas Ratio: 0.89% |
Conventional, USDA, HELOC | 4 +3 HELOCs |
1.8% | 33.3% | $157,500 | View |
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1 office in Garden City 1301 E Kansas Ave, Garden City, KS 67846 A+5.0 ★Texas Ratio: 3.54% |
Conventional, FHA, HELOC | 3 +2 HELOCs |
1.3% | 60% | $168,333 | View |
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1 office in Garden City 1007 N Main St, Garden City, KS 67846 A+5.0 ★Texas Ratio: 5.97% |
Conventional, FHA | 3 | 1.3% | 100% | $188,333 | View |
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1 office in Garden City 1901 E Mary St, Garden City, KS 67846 A5.0 ★Texas Ratio: 6.60% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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2101 N Rock Rd, Derby, KS 67037 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 7 | 3.1% | 100% | $245,000 | View |
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2000 W 103rd St, Leawood, KS 66206 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 3 | 1.3% | 75% | $218,333 | View |
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329 S Andover Rd, Andover, KS 67002 A+5.0 ★Texas Ratio: 3.98% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $165,000 | View |
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400 N Broadway St, Abilene, KS 67410 A+5.0 ★Texas Ratio: 1.78% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $305,000 | View |
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13020 W Canaan Dr, Bonner Springs, KS 66012 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 50% | $505,000 | View |
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329 S Andover Rd, Andover, KS 67002 A+5.0 ★Texas Ratio: 3.98% |
Conventional | 1 | 0.4% | 100% | $275,000 | View |
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5431 Sw 29th St, Topeka, KS 66614 A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
Gardner Financial Services
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Conventional, FHA | 34 | 15.2% | 91.9% | $229,705 | |
Rocket Mortgage
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Conventional, FHA, VA | 27 | 12.1% | 67.5% | $207,592 | |
Originpoint, LLC
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Conventional, FHA, USDA | 10 | 4.5% | 91.7% | $181,000 | |
Mortgage Research Center
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VA | 9 | 4% | 100% | $333,888 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 7 | 3.1% | 63.6% | $253,571 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA, USDA | 7 | 3.1% | 100% | $226,428 | View |
New American Funding, LLC.
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FHA | 6 | 2.7% | 100% | $208,333 | |
loanDepot.com LLC
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Conventional, FHA | 5 | 2.2% | 62.5% | $161,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 5 | 2.2% | 71.4% | $141,000 | |
Pennymac Loan Services LLC
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FHA, VA | 5 | 2.2% | 100% | $227,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 4 | 1.8% | 80% | $202,500 | |
Newrez LLC
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FHA, VA | 4 | 1.8% | 66.7% | $252,500 | |
Primelending
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FHA, USDA | 2 | 0.9% | 100% | $200,000 | |
Canopy Mortgage, LLC
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FHA, USDA | 2 | 0.9% | 100% | $290,000 | |
Regent Financial Group
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Conventional, FHA | 2 | 0.9% | 100% | $210,000 | |
New Day Financial, LLC.
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VA | 2 | 0.9% | 50% | $120,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.9% | 100% | $55,000 | |
21St Mortgage
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Conventional | 2 | 0.9% | 40% | $95,000 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $655,000 | View |
Ruoff Mortgage Company
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FHA | 1 | 0.4% | 100% | $85,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 4.98% |
FHA | 1 | 0.4% | 100% | $235,000 | View |
Equity Prime Mortgage LLC
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FHA | 1 | 0.4% | 100% | $215,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $285,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 25% | $155,000 | |
Union Home Mortgage Corp.
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USDA | 1 | 0.4% | 100% | $225,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 50% | $395,000 | View |
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A+5.0 ★Texas Ratio: 0.22% |
FHA | 1 | 0.4% | 100% | $215,000 | View |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.4% | 100% | $225,000 | View |
Member First Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $205,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $205,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.4% | 100% | $185,000 | View |
Fairway Independent Mort Corp
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FHA | 1 | 0.4% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.4% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 50% | $105,000 | View |
Carrington Mortgage Services LLC
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FHA | 1 | 0.4% | 25% | $205,000 | |
Village Capital & Investment
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FHA | 1 | 0.4% | 100% | $185,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Cmg Mortgage Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Empeople Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Garden City 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 Garden City, Kansas
Looking for mortgage lenders near me or mortgage brokers near me in Garden City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Garden City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Garden City, KS
Use these to narrow the list above. Each category shows how many Garden City, KS lenders fit and what that kind of lender is usually best for.
Who Lends in Garden City, KS
Independent mortgage companies closed 61.6 percent of home loans in Garden City, Kansas in 2025, banks 17.9 percent and credit unions 20.5 percent. Gardner Financial Services was the largest mortgage company, Commerce Bank the largest bank and Golden Plains Credit Union the largest credit union. Among lenders headquartered in Kansas, Golden Plains Credit Union led with 44 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 Garden City, KS
By home loans closed in 2025, Golden Plains Credit Union was the largest mortgage lender in Garden City, Kansas with 44 loans, about 19.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Garden City, Kansas in 2025, led by Gardner Financial Services with 21. 9 lenders closed VA loans, led by Mortgage Research Center, and 7 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. 20 banks and 4 credit unions closed home loans in Garden City, Kansas in 2025, alongside 30 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 Garden City, 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 Garden City, 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 Garden City. 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.
