Mortgage Lenders and Brokers in Hays, 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
Hays, Kansas mortgage lenders include Sunflower Bank, N.A.Sunflower Bank, N.A.4720 Roth Ave, Hays, KS 67601A5.0 ★Texas Ratio: 10.77%, Equity BankEquity Bank2428 Vine St, Hays, KS 67601A5.0 ★Texas Ratio: 6.60%, Emprise BankEmprise Bank1011 E 27th St, Hays, KS 67601A+5.0 ★Texas Ratio: 3.11%, Commerce BankCommerce Bank2200 Vine St, Hays, KS 67601A+5.0 ★Texas Ratio: 0.89%, Golden Plains Credit UnionGolden Plains Credit Union2720 Broadway Ave, Hays, KS 67601A+5.0 ★Texas Ratio: 5.93%, US Bank, N.A.US Bank, N.A.13020 W Canaan Dr, Bonner Springs, KS 66012A+5.0 ★Texas Ratio: 2.85%, Communityamerica Federal Credit UnionCommunityamerica Federal Credit Union7714 State Ave, Kansas City, KS 66112, Heartland Credit UnionHeartland Credit Union2825 Plaza Ave, Hays, KS 67601A5.0 ★Texas Ratio: 9.12%, PNC Bank N.A.PNC Bank N.A.10851 Mastin St, Overland Park, KS 66210A+5.0 ★Texas Ratio: 4.24%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2101 N Rock Rd, Derby, KS 67037A+5.0 ★Texas Ratio: 3.68%. 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 Hays, Kansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hays 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 Hays, Kansas
Market share is the lender's share of all home loans closed in Hays, 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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2 offices in Hays 4720 Roth Ave, Hays, KS 67601 A5.0 ★Texas Ratio: 10.77% |
Conventional, FHA, USDA | 15 | 8% | 88.2% | $175,000 | View |
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1 office in Hays 2428 Vine St, Hays, KS 67601 A5.0 ★Texas Ratio: 6.60% |
Conventional, HELOC | 12 +2 HELOCs |
6.4% | 92.3% | $191,666 | View |
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1 office in Hays 1011 E 27th St, Hays, KS 67601 A+5.0 ★Texas Ratio: 3.11% |
Conventional, HELOC | 4 +4 HELOCs |
2.1% | 100% | $150,000 | View |
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1 office in Hays 2200 Vine St, Hays, KS 67601 A+5.0 ★Texas Ratio: 0.89% |
Conventional, HELOC | 3 +7 HELOCs |
1.6% | 50% | $145,000 | View |
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2720 Broadway Ave, Hays, KS 67601 A+5.0 ★Texas Ratio: 5.93% |
Conventional, USDA, HELOC | 43 +15 HELOCs |
22.9% | 80.3% | $179,883 | View |
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13020 W Canaan Dr, Bonner Springs, KS 66012 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 1.1% | 100% | $380,000 | View |
Communityamerica Federal Credit Union
7714 State Ave, Kansas City, KS 66112 |
Conventional | 2 | 1.1% | 100% | $185,000 | |
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2825 Plaza Ave, Hays, KS 67601 A5.0 ★Texas Ratio: 9.12% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $165,000 | View |
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★ 1.7 stars, 3 reviews 10851 Mastin St, Overland Park, KS 66210 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $405,000 | View |
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2101 N Rock Rd, Derby, KS 67037 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $285,000 | View |
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511 N Andover Rd, Andover, KS 67002 B4.5 ★Texas Ratio: 20.76% |
Conventional | 1 | 0.5% | 100% | $675,000 | View |
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600 S Kansas Ave, Topeka, KS 66603 C-3.6 ★Texas Ratio: 31.27% |
Conventional | 1 | 0.5% | 100% | $165,000 | View |
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★ 2 stars, 1 review 707 High St, Baldwin City, KS 66006 A+5.0 ★Texas Ratio: 1.02% |
Conventional | 1 | 0.5% | 100% | $135,000 | View |
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329 S Andover Rd, Andover, KS 67002 A+5.0 ★Texas Ratio: 3.98% |
Conventional | 1 | 0.5% | 100% | $265,000 | View |
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2330 Ohio St, Augusta, KS 67010 A-4.2 ★Texas Ratio: 0.66% |
Conventional | 1 | 0.5% | 100% | $265,000 | View |
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500 N Summit St, Arkansas City, KS 67005 A5.0 ★Texas Ratio: 6.38% |
Conventional | 1 | 0.5% | 100% | $345,000 | View |
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100 S Range Ave, Colby, KS 67701 C-3.7 ★Texas Ratio: 30.67% |
Conventional | 1 | 0.5% | 100% | $35,000 | View |
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2000 W 103rd St, Leawood, KS 66206 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $215,000 | View |
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306 E Main St, Gardner, KS 66030 A5.0 ★Texas Ratio: 7.48% |
VA | 1 | 0.5% | 100% | $345,000 | View |
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329 S Andover Rd, Andover, KS 67002 A+5.0 ★Texas Ratio: 3.98% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
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400 N Broadway St, Abilene, KS 67410 A+5.0 ★Texas Ratio: 1.78% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage Investment Services Corporation
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FHA, VA, USDA | 12 | 6.4% | 92.9% | $235,833 | |
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A5.0 ★Texas Ratio: 10.16% |
Conventional | 1 | 0.5% | 100% | $345,000 | View |
Rocket Mortgage
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Conventional, FHA, VA | 19 | 10.1% | 86.4% | $147,631 | |
Mortgage Research Center
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VA | 7 | 3.7% | 100% | $250,714 | |
Zippy Loans, LLC
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Conventional | 5 | 2.7% | 100% | $31,000 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 1.6% | 100% | $175,000 | |
Planet Home Lending, LLC
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Conventional, FHA | 3 | 1.6% | 75% | $221,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 1.6% | 75% | $181,666 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 3 | 1.6% | 100% | $178,333 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 2 | 1.1% | 100% | $515,000 | View |
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A+5.0 ★Texas Ratio: 4.14% |
FHA, USDA | 2 | 1.1% | 100% | $155,000 | View |
United Wholesale Mortgage
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Conventional, VA | 2 | 1.1% | 66.7% | $270,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 2 | 1.1% | 100% | $140,000 | View |
Freedom Mortgage Corporation
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VA | 2 | 1.1% | 100% | $165,000 | |
Newrez LLC
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FHA, VA | 2 | 1.1% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 3.61% |
Conventional, VA | 2 | 1.1% | 100% | $360,000 | View |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1.1% | 100% | $165,000 | |
Amerisave Mortgage Company
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FHA | 2 | 1.1% | 33.3% | $205,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 1.1% | 100% | $250,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 1.1% | 100% | $115,000 | View |
Carrington Mortgage Services LLC
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Conventional, VA | 2 | 1.1% | 75% | $160,000 | |
Primelending
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Conventional | 1 | 0.5% | 100% | $155,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.5% | 100% | $35,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $265,000 | |
First State Bank of St Charles
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Conventional | 1 | 0.5% | 100% | $135,000 | |
American Financing Corporation
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FHA | 1 | 0.5% | 33.3% | $355,000 | |
Flat Branch Mortgage, Inc.
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FHA | 1 | 0.5% | 100% | $375,000 | |
Union Home Mortgage Corp.
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USDA | 1 | 0.5% | 100% | $155,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 50% | $385,000 | View |
T2 Financial LLC
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Conventional | 1 | 0.5% | 100% | $195,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $165,000 | |
Premier Members Credit Union
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Conventional | 1 | 0.5% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 4.46% |
FHA | 1 | 0.5% | 100% | $135,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Village Capital & Investment
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VA | 1 | 0.5% | 100% | $245,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Hays 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 Hays, Kansas
Looking for mortgage lenders near me or mortgage brokers near me in Hays? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Hays in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Hays, KS
Use these to narrow the list above. Each category shows how many Hays, KS lenders fit and what that kind of lender is usually best for.
Who Lends in Hays, KS
Independent mortgage companies closed 42 percent of home loans in Hays, Kansas in 2025, banks 31.4 percent and credit unions 26.6 percent. Mortgage Investment Services Corporation was the largest mortgage company, Sunflower Bank, N.A. the largest bank and Golden Plains Credit Union the largest credit union. Among lenders headquartered in Kansas, Equity Bank led with 12 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 Hays, KS
By home loans closed in 2025, Sunflower Bank, N.A. was the largest mortgage lender in Hays, Kansas with 15 loans, about 8 percent of the market. The largest lender headquartered in Kansas was Equity Bank with 12 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Hays, Kansas in 2025, led by Mortgage Investment Services Corporation with 7. 12 lenders closed VA loans, led by Mortgage Research Center, and 5 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. 25 banks and 6 credit unions closed home loans in Hays, 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 Hays, 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 Hays, 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 Hays. 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.
