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Mortgage Lenders and Brokers in Gardner, Kansas

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Gardner, Kansas mortgage lenders include The Central Trust BankThe Central Trust Bank425 N Waverly Rd, Gardner, KS 66030A+5.0 ★Texas Ratio: 3.12%, Arvest BankArvest Bank306 E Main St, Gardner, KS 66030A5.0 ★Texas Ratio: 7.48%, Capitol Federal Savings BankCapitol Federal Savings Bank660 E Main St, Gardner, KS 66030A+5.0 ★Texas Ratio: 5.21%, Patriots BankPatriots Bank840 E Main St, Gardner, KS 66030A+5.0 ★Texas Ratio: 0.00%, Central National BankCentral National Bank205 N Moonlight Rd, Gardner, KS 66030A+5.0 ★Texas Ratio: 0.14%, Communityamerica Federal Credit UnionCommunityamerica Federal Credit Union7714 State Ave, Kansas City, KS 66112, Mid America BankMid America Bank18365 S Gardner Rd, Gardner, KS 66030A+5.0 ★Texas Ratio: 1.02%, US Bank, N.A.US Bank, N.A.13020 W Canaan Dr, Bonner Springs, KS 66012A+5.0 ★Texas Ratio: 2.85%, Mainstreet Federal Credit UnionMainstreet Federal Credit Union301 Oak St, Bonner Springs, KS 66012A+5.0 ★Texas Ratio: 4.02%, and Commerce BankCommerce Bank137 W Maple St, Columbus, KS 66725A+5.0 ★Texas Ratio: 0.89%. 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 Gardner, Kansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gardner 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 Gardner, Kansas

Market share is the lender's share of all home loans closed in Gardner, 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
The Central Trust Bank 2 offices in Gardner 425 N Waverly Rd, Gardner, KS 66030 A+5.0 ★Texas Ratio: 3.12%	Conventional, FHA, USDA, HELOC	10 +14 HELOCs	1.3%	100%	$297,000	View
Arvest Bank 1 office in Gardner 306 E Main St, Gardner, KS 66030 A5.0 ★Texas Ratio: 7.48%	Conventional, FHA, Jumbo, HELOC	9 +6 HELOCs	1.2%	90%	$491,666	View
Capitol Federal Savings Bank 1 office in Gardner 660 E Main St, Gardner, KS 66030 A+5.0 ★Texas Ratio: 5.21%	Conventional, Jumbo, HELOC	7 +7 HELOCs	0.9%	88.9%	$453,571	View
Patriots Bank 1 office in Gardner 840 E Main St, Gardner, KS 66030 A+5.0 ★Texas Ratio: 0.00%	Conventional	2	0.3%	100%	$135,000	View
Central National Bank 2 offices in Gardner 205 N Moonlight Rd, Gardner, KS 66030 A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	50%	$425,000	View
Communityamerica Federal Credit Union 7714 State Ave, Kansas City, KS 66112	Conventional, FHA, VA, Jumbo, HELOC	50 +50 HELOCs	6.6%	96.2%	$380,800
Mid America Bank ★ 2 stars, 1 review 18365 S Gardner Rd, Gardner, KS 66030 A+5.0 ★Texas Ratio: 1.02%	Conventional	15	2%	100%	$243,666	View
US Bank, N.A. 13020 W Canaan Dr, Bonner Springs, KS 66012 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	11 +3 HELOCs	1.5%	80%	$144,090	View
Mainstreet Federal Credit Union 301 Oak St, Bonner Springs, KS 66012 A+5.0 ★Texas Ratio: 4.02%	Conventional, HELOC	8 +6 HELOCs	1.1%	81.2%	$62,500	View
Commerce Bank 137 W Maple St, Columbus, KS 66725 A+5.0 ★Texas Ratio: 0.89%	Conventional, HELOC	8 +2 HELOCs	1.1%	72.7%	$227,500	View
Fidelity Bank 2542 N Rock Rd, Derby, KS 67037 A5.0 ★Texas Ratio: 12.33%	Conventional, VA, HELOC	6 +3 HELOCs	0.8%	100%	$326,666	View
JPMorgan Chase Bank, NA 2101 N Rock Rd, Derby, KS 67037 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	4 +2 HELOCs	0.5%	100%	$517,500	View
First Bank 6201 College Blvd, Overland Park, KS 66211 A+5.0 ★Texas Ratio: 2.49%	Conventional, FHA	4	0.5%	100%	$265,000	View
Landmark National Bank 1741 North Washington Street, Auburn, KS 66402 A+5.0 ★Texas Ratio: 5.97%	Conventional	4	0.5%	100%	$395,000	View
Umb Bank NA 400 N Broadway St, Abilene, KS 67410 A+5.0 ★Texas Ratio: 1.78%	Conventional, HELOC	3 +2 HELOCs	0.4%	100%	$265,000	View
Bison State Bank 223 Main St, Bison, KS 67520 A+5.0 ★Texas Ratio: 2.38%	Conventional, FHA	3	0.4%	100%	$261,666	View
Academy Bank, N.A. 13010 Commercial Dr, Bonner Springs, KS 66012 A+5.0 ★Texas Ratio: 5.08%	Conventional, FHA	3	0.4%	75%	$228,333	View
Wells Fargo Bank NA 2000 W 103rd St, Leawood, KS 66206 A+5.0 ★Texas Ratio: 5.36%	Conventional	3	0.4%	75%	$261,666	View
Bank of America NA 329 S Andover Rd, Andover, KS 67002 A+5.0 ★Texas Ratio: 3.98%	Conventional, HELOC	2 +5 HELOCs	0.3%	100%	$280,000	View
Mazuma Credit Union 14275 W 135th St, Olathe, KS 66062 9427 A+5.0 ★Texas Ratio: 4.29%	Conventional, HELOC	2 +2 HELOCs	0.3%	100%	$270,000	View
Great Southern Bank 34102 Commerce Dr, De Soto, KS 66018 A+5.0 ★Texas Ratio: 1.55%	Conventional	2	0.3%	100%	$205,000	View
Mutual Savings Association 229 Oak St, Bonner Springs, KS 66012 A+5.0 ★Texas Ratio: 3.48%	Conventional	2	0.3%	100%	$395,000	View
First National Bank of Omaha 2828 Shawnee Mission Pkwy, Fairway, KS 66205 A+5.0 ★Texas Ratio: 4.82%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$315,000	View
Golden Plains Credit Union 120 W 1st St, Ellsworth, KS 67439 3202 A+5.0 ★Texas Ratio: 5.93%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$185,000	View
NBH Bank 110 S 4th St, Edwardsville, KS 66111 A+5.0 ★Texas Ratio: 2.90%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$395,000	View
Farmers Bank & Trust 2001 Main St, Albert, KS 67511 A+5.0 ★Texas Ratio: 0.65%	VA	1	0.1%	100%	$315,000	View
Credit Union of America 329 S Andover Rd, Andover, KS 67002 A+5.0 ★Texas Ratio: 3.98%	Conventional	1	0.1%	100%	$295,000	View
First Federal Savings and Loan 700 E Santa Fe St, Olathe, KS 66061 A5.0 ★Texas Ratio: 8.33%	Conventional	1	0.1%	100%	$215,000	View
Cornerstone Bank 9120 W 135th St, Overland Park, KS 66221 A+5.0 ★Texas Ratio: 0.47%	Conventional, Jumbo	1	0.1%	100%	$985,000	View
Hawthorn Bank 7400 College Blvd, Overland Park, KS 66210 A+5.0 ★Texas Ratio: 3.36%	USDA	1	0.1%	100%	$235,000	View
Armed Forces Bank, N.A. 320 Kansas Ave, Fort Leavenworth, KS 66027 A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$385,000	View
Community First National Bank 210 Tuttle Creek Blvd, Manhattan, KS 66502 A+5.0 ★Texas Ratio: 1.41%	Conventional	1	0.1%	100%	$105,000	View
Security Bank of Kansas City 2701 Shawnee Mission Pkwy, Fairway, KS 66205 A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0.1%	100%	$345,000	View
Bank of Prairie Village 3515 W 75th St, Prairie Village, KS 66208 A+5.0 ★Texas Ratio: 0.49%	Conventional	1	0.1%	100%	$265,000	View
Equity Bank 500 Main St, Almena, KS 67622 A5.0 ★Texas Ratio: 6.60%	Conventional	1	0.1%	100%	$515,000	View
First Option Bank 209 Roseport Roadelwood, Elwood, KS 66024 A4.5 ★Texas Ratio: 2.64%	Conventional	1	0.1%	100%	$285,000	View
Bank of the Flint Hills 408 Missouri Ave, Alma, KS 66401 A+5.0 ★Texas Ratio: 0.96%	Conventional	1	0.1%	100%	$255,000	View
OakStar Bank ★ 5 stars, 1 review 10950 Parallel Pkwy, Kansas City, KS 66109 A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$335,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 10851 Mastin St, Overland Park, KS 66210 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +3 HELOCs	0%	n/a		View
Bokf NA 12112 Metcalf Ave, Overland Park, KS 66213 A+5.0 ★Texas Ratio: 1.05%	HELOC	0 +1 HELOCs	0%	n/a		View
First Federal Bank of Kansas City 1919 N 78th St, Kansas City, KS 66112 A+5.0 ★Texas Ratio: 3.50%	HELOC	0 +1 HELOCs	0%	n/a		View
Intrust Bank, NA 308 W Central Ave, Andover, KS 67002 A+5.0 ★Texas Ratio: 5.22%	HELOC	0 +1 HELOCs	0%	n/a		View
BMO Harris Bank NA 1420 Ohio St, Augusta, KS 67010 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +1 HELOCs	0%	n/a		View
M Squared Financial LLC	Conventional, USDA	7	0.9%	100%	$253,571
Leaderone Financial Corp.	Conventional, FHA	5	0.7%	83.3%	$335,000
Frontier Community Credit Unio	Conventional	3	0.4%	75%	$41,666
Rocket Mortgage	Conventional, FHA, VA	52	6.9%	88.5%	$235,192
Fairway Independent Mort Corp	Conventional, FHA, VA	51	6.8%	98.1%	$361,862
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	46 +1 HELOCs	6.1%	94%	$364,565
Zippy Loans, LLC	Conventional	31	4.1%	72.1%	$98,225
Pennymac Loan Services LLC	Conventional, FHA, VA, USDA	27	3.6%	93.1%	$300,185
First State Bank of St Charles	Conventional, FHA, VA	24	3.2%	100%	$350,416
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	16	2.1%	100%	$308,125
Flat Branch Mortgage, Inc.	Conventional, FHA, VA	15	2%	100%	$396,333
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA	14	1.9%	100%	$364,285	View
Lennar Mortgage, LLC	Conventional, FHA, VA	14	1.9%	100%	$296,428
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	13 +2 HELOCs	1.7%	100%	$370,384
Newrez LLC	Conventional, FHA, VA	12	1.6%	80%	$245,833
Primelending	Conventional, FHA, USDA	11	1.5%	100%	$370,454
Nationstar Mortgage	Conventional	11	1.5%	78.6%	$75,909
Mortgage Research Center	Conventional, FHA, VA	11	1.5%	78.6%	$362,272
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	9 +2 HELOCs	1.2%	90%	$261,666
Freedom Mortgage Corporation	Conventional, FHA, VA	8	1.1%	91.7%	$282,500
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional, FHA	8	1.1%	100%	$345,000	View
Guild Mortgage Company	Conventional	8	1.1%	100%	$262,500
Amerisave Mortgage Company	Conventional	7	0.9%	63.6%	$75,000
The Loan Store, Inc	Conventional, FHA, HELOC	6 +1 HELOCs	0.8%	100%	$290,000
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA	6	0.8%	100%	$278,333	View
American Financial Resources LLC	Conventional, FHA, VA	6	0.8%	100%	$355,000
Lendlo Mortgage, LLC	Conventional, FHA, VA	6	0.8%	100%	$263,333
Endeavor Capital, LLC	Conventional, FHA	6	0.8%	85.7%	$415,000
Summit Funding.Inc	Conventional, FHA	6	0.8%	100%	$380,000
Spring Eq, LLC	Conventional, HELOC	5 +2 HELOCs	0.7%	38.5%	$89,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA, VA	5	0.7%	100%	$269,000	View
Lakeview Loan Servicing, LLC	Conventional, FHA	5	0.7%	50%	$143,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA	5	0.7%	100%	$327,000	View
Ark-La-Tex Financial Services LLC	Conventional	5	0.7%	100%	$383,000
Envoy Mortgage, Ltd	Conventional, FHA	4	0.5%	100%	$320,000
Nbkc Bank A+5.0 ★Texas Ratio: 3.61%	Conventional, VA	4	0.5%	80%	$287,500	View
Discover Bank	Conventional	4	0.5%	36.4%	$65,000
Geneva Financial LLC	Conventional, FHA	4	0.5%	100%	$360,000
Waterstone Mortgage Corporation	Conventional	4	0.5%	100%	$297,500
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA, VA	4	0.5%	66.7%	$237,500	View
Paramount Residential Mortgage	Conventional, FHA, USDA	4	0.5%	100%	$305,000
Plaza Home Mortgage, Inc	Conventional, FHA, VA	4	0.5%	100%	$250,000
Cmg Mortgage Inc	FHA, VA	3	0.4%	100%	$335,000
Jlb Corporation dba Golden Oak Lending	FHA	3	0.4%	100%	$351,666
T2 Financial LLC	Conventional	3	0.4%	100%	$291,666
American Pacific Mortgage Corporation	Conventional, FHA	3	0.4%	75%	$225,000
Pentagon Federal Credit Union	Conventional, HELOC	2 +2 HELOCs	0.3%	66.7%	$180,000
Goodleap, LLC	FHA, VA	2	0.3%	75%	$305,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	2	0.3%	100%	$365,000
Everett Financial, Inc.	Conventional	2	0.3%	100%	$340,000
Equity Prime Mortgage LLC	FHA, VA	2	0.3%	100%	$355,000
Kind Lending, LLC	Conventional	2	0.3%	100%	$440,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	FHA	2	0.3%	100%	$355,000	View
Sun West Mortgage Company, Inc	Conventional, FHA	2	0.3%	100%	$290,000
Community Mortgage, LLC	Conventional, FHA	2	0.3%	100%	$310,000
Click n' Close, Inc.	Conventional	2	0.3%	100%	$275,000
Union Home Mortgage Corp.	Conventional, VA	2	0.3%	100%	$350,000
Point Mortgage Corp	Conventional	2	0.3%	100%	$210,000
Mutual of Omaha Mortgage	FHA, VA	2	0.3%	100%	$540,000
New American Funding, LLC.	Conventional, FHA	2	0.3%	50%	$310,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	FHA, VA	2	0.3%	100%	$415,000	View
Carrington Mortgage Services LLC	Conventional, FHA	2	0.3%	50%	$160,000
Gershman Investment Corp.	FHA	2	0.3%	100%	$365,000
Better Mortgage Corporation	Conventional, HELOC	1 +2 HELOCs	0.1%	33.3%	$495,000
loanDepot.com LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$75,000
Arc Home LLC	Conventional	1	0.1%	100%	$185,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$305,000	View
Alerus Financial NA A+5.0 ★Texas Ratio: 3.32%	Conventional	1	0.1%	100%	$225,000	View
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$485,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	FHA	1	0.1%	100%	$345,000	View
Stride Bank, National Association A5.0 ★Texas Ratio: 6.15%	Conventional	1	0.1%	50%	$705,000	View
Canopy Mortgage, LLC	VA	1	0.1%	100%	$375,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional	1	0.1%	100%	$305,000	View
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$475,000
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$425,000
Central Bank A+5.0 ★Texas Ratio: 2.72%	Conventional	1	0.1%	100%	$335,000	View
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	VA	1	0.1%	33.3%	$305,000	View
PHH Mortgage Corporation	VA	1	0.1%	100%	$215,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$265,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	FHA	1	0.1%	100%	$525,000	View
American Financial Network, Inc.	FHA	1	0.1%	100%	$285,000
Bank Fund Staff Federal Credit	Conventional	1	0.1%	100%	$505,000
New Day Financial, LLC.	VA	1	0.1%	50%	$365,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	100%	$165,000	View
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$365,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$295,000
Peoples Bank B4.4 ★Texas Ratio: 21.68%	FHA	1	0.1%	100%	$215,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$175,000	View
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$445,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$255,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$535,000	View
Zillow Home Loans, LLC A+5.0 ★Texas Ratio: 4.46%	VA	1	0.1%	100%	$315,000	View
CIBM Bank A5.0 ★Texas Ratio: 8.91%	Conventional	1	0.1%	100%	$395,000	View
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$265,000	View
Lower, LLC	FHA	1	0.1%	100%	$245,000
Grand Bank for Savings, FSB	Conventional	1	0.1%	50%	$315,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	22.2%	$175,000
Texana Bank	FHA	1	0.1%	100%	$155,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$275,000
Village Capital & Investment	VA	1	0.1%	100%	$355,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +6 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +3 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Guaranteed Rate, Inc.	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Empeople Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Premier Members Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Gardner Mortgage Rate Trends

Daily average mortgage rates for Kansas compared with the national average, updated every evening.

30-Year Fixed KS Avg

7.490%

▲ 0.145 vs 7 days ago

15-Year Fixed KS Avg

6.961%

▲ 0.104 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Gardner, Kansas

Looking for mortgage lenders near me or mortgage brokers near me in Gardner? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gardner in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Gardner, KS

Use these to narrow the list above. Each category shows how many Gardner, KS lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 73 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 66 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 14 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 57 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 37 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 6 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 5 lenders. Loans above the conforming limit for higher priced homes Local lenders based in KS 28 lenders headquartered in Kansas, the closest thing to a mortgage lender near you

Who Lends in Gardner, KS

Independent mortgage companies closed 61.5 percent of home loans in Gardner, Kansas in 2025, banks 28.2 percent and credit unions 10.2 percent. M Squared Financial LLC was the largest mortgage company, The Central Trust Bank the largest bank and Communityamerica Federal Credit Union the largest credit union. Among lenders headquartered in Kansas, Capitol Federal Savings Bank led with 7 loans.

61.5%

Mortgage companies

28.2%

Banks

10.2%

Credit unions

18%

FHA loans

10%

VA 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

All Kansas lenders 605 lenders Wichita 258 lenders Overland Park 251 lenders Olathe 225 lenders Topeka 161 lenders Kansas City 194 lenders Lawrence 169 lenders Shawnee 165 lenders Lenexa 171 lenders Manhattan 133 lenders Junction City 85 lenders Leavenworth 116 lenders Hutchinson 89 lenders

Frequently Asked Questions About Mortgage Lenders in Gardner, KS

Who is the largest mortgage lender in Gardner, KS?

By home loans closed in 2025, The Central Trust Bank was the largest mortgage lender in Gardner, Kansas with 10 loans, about 1.3 percent of the market. The largest lender headquartered in Kansas was Capitol Federal Savings Bank with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Gardner, KS have the highest approval rates?

Among lenders with meaningful volume in Gardner, Kansas, Fairway Independent Mort Corp approved the highest share of completed applications in 2025 at 98.1 percent, against a 87.9 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.

Which Gardner, KS mortgage lenders offer FHA, VA and USDA loans?

57 lenders closed FHA loans in Gardner, Kansas in 2025, led by United Wholesale Mortgage with 10. 37 lenders closed VA loans, led by United Wholesale Mortgage, and 6 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.

Are credit unions and local banks included in this Gardner, KS lender list?

Yes. 66 banks and 14 credit unions closed home loans in Gardner, Kansas in 2025, alongside 73 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.

How are mortgage lenders in Gardner, KS ranked on this page?

Lenders are ranked only by the number of home loans they closed in Gardner, 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 Gardner, 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 Gardner. 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.