Mortgage Lenders and Brokers in Garnett, 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
Garnett, Kansas mortgage lenders include Patriots BankPatriots Bank113 S Maple St, Garnett, KS 66032A+5.0 ★Texas Ratio: 0.00%, First Option BankFirst Option Bank209 Roseport Roadelwood, Elwood, KS 66024A4.5 ★Texas Ratio: 2.64%, The Kansas State BankThe Kansas State Bank602 Ames St, Baldwin City, KS 66006A+5.0 ★Texas Ratio: 4.65%, Bank of America NABank of America NA329 S Andover Rd, Andover, KS 67002A+5.0 ★Texas Ratio: 3.98%, Great Southern BankGreat Southern Bank34102 Commerce Dr, De Soto, KS 66018A+5.0 ★Texas Ratio: 1.55%, Mutual Savings AssociationMutual Savings Association229 Oak St, Bonner Springs, KS 66012A+5.0 ★Texas Ratio: 3.48%, BMO Harris Bank NABMO Harris Bank NA1420 Ohio St, Augusta, KS 67010A+5.0 ★Texas Ratio: 3.54%, Leaderone Financial Corp.Leaderone Financial Corp.Overland Park, KS, Rocket Mortgage, and Pennymac Loan Services LLC. 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 Garnett, Kansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Garnett 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 Garnett, Kansas
Market share is the lender's share of all home loans closed in Garnett, 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 Garnett 113 S Maple St, Garnett, KS 66032 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 6 | 7.9% | 100% | $135,000 | View |
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209 Roseport Roadelwood, Elwood, KS 66024 A4.5 ★Texas Ratio: 2.64% |
Conventional | 3 | 3.9% | 100% | $68,333 | View |
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602 Ames St, Baldwin City, KS 66006 A+5.0 ★Texas Ratio: 4.65% |
Conventional | 2 | 2.6% | 100% | $140,000 | View |
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329 S Andover Rd, Andover, KS 67002 A+5.0 ★Texas Ratio: 3.98% |
Conventional | 1 | 1.3% | 100% | $115,000 | View |
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34102 Commerce Dr, De Soto, KS 66018 A+5.0 ★Texas Ratio: 1.55% |
VA | 1 | 1.3% | 100% | $145,000 | View |
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229 Oak St, Bonner Springs, KS 66012 A+5.0 ★Texas Ratio: 3.48% |
Conventional | 1 | 1.3% | 100% | $535,000 | View |
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1420 Ohio St, Augusta, KS 67010 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Leaderone Financial Corp.
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Conventional, FHA | 3 | 3.9% | 100% | $111,666 | |
Rocket Mortgage
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Conventional, FHA, VA | 21 | 27.6% | 77.8% | $162,619 | |
Pennymac Loan Services LLC
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FHA, VA | 3 | 3.9% | 100% | $248,333 | |
Geneva Financial LLC
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Conventional, USDA | 3 | 3.9% | 100% | $115,000 | |
Texana Bank
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Conventional, FHA | 3 | 3.9% | 100% | $138,333 | |
United Wholesale Mortgage
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Conventional, VA | 2 | 2.6% | 66.7% | $245,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 2.6% | 100% | $175,000 | |
loanDepot.com LLC
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Conventional | 2 | 2.6% | 100% | $55,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $35,000 | |
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A+5.0 ★Texas Ratio: 5.16% |
Conventional | 1 | 1.3% | 100% | $655,000 | View |
American Financial Resources LLC
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USDA | 1 | 1.3% | 100% | $145,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.3% | 100% | $75,000 | |
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A5.0 ★Texas Ratio: 6.15% |
Conventional | 1 | 1.3% | 100% | $165,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 1.3% | 100% | $435,000 | |
Newrez LLC
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FHA | 1 | 1.3% | 33.3% | $215,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 1.3% | 100% | $165,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 1.3% | 100% | $35,000 | |
Guild Mortgage Company
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USDA | 1 | 1.3% | 50% | $125,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1.3% | 100% | $185,000 | View |
First State Bank of St Charles
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Conventional | 1 | 1.3% | 100% | $145,000 | |
Union Home Mortgage Corp.
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USDA | 1 | 1.3% | 100% | $285,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 1.3% | 50% | $355,000 | |
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B4.4 ★Texas Ratio: 21.68% |
FHA | 1 | 1.3% | 100% | $135,000 | View |
Nationstar Mortgage
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Conventional | 1 | 1.3% | 100% | $75,000 | |
Mortgage Research Center
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VA | 1 | 1.3% | 50% | $165,000 | |
Towne Mortgage Company
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USDA | 1 | 1.3% | 100% | $155,000 | |
Endeavor Capital, LLC
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FHA | 1 | 1.3% | 100% | $145,000 | |
Summit Funding.Inc
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USDA | 1 | 1.3% | 100% | $135,000 | |
New American Funding, LLC.
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FHA | 1 | 1.3% | 50% | $175,000 | |
Compass Mortgage, Inc.
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FHA | 1 | 1.3% | 100% | $245,000 | |
Fairway Independent Mort Corp
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VA | 1 | 1.3% | 100% | $215,000 | |
Goodleap, LLC
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a |
Garnett 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 Garnett, Kansas
Looking for mortgage lenders near me or mortgage brokers near me in Garnett? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Garnett in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Garnett, KS
Use these to narrow the list above. Each category shows how many Garnett, KS lenders fit and what that kind of lender is usually best for.
Who Lends in Garnett, KS
Independent mortgage companies closed 69.7 percent of home loans in Garnett, Kansas in 2025, banks 30.3 percent and credit unions 0 percent. Leaderone Financial Corp. was the largest mortgage company, Patriots Bank the largest bank. Among lenders headquartered in Kansas, Patriots Bank led with 6 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 Garnett, KS
By home loans closed in 2025, Patriots Bank was the largest mortgage lender in Garnett, Kansas with 6 loans, about 7.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Garnett, Kansas in 2025, led by Rocket Mortgage with 8. 7 lenders closed VA loans, led by Pennymac Loan Services LLC, 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.
Yes. 14 banks and 0 credit unions closed home loans in Garnett, Kansas in 2025, alongside 26 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 Garnett, 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 Garnett, 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 Garnett. 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.
