Mortgage Lenders and Brokers in Valley Falls, 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
Valley Falls, Kansas mortgage lenders include Union State Bank of EverestUnion State Bank of Everest701 Kansas Ave, Atchison, KS 66002A5.0 ★Texas Ratio: 7.97%, Exchange Bank & TrustExchange Bank & Trust600 Commercial St, Atchison, KS 66002A+5.0 ★Texas Ratio: 1.06%, Capitol Federal Savings BankCapitol Federal Savings Bank114 E Cloud Ave, Andover, KS 67002A+5.0 ★Texas Ratio: 5.21%, Mid America BankMid America Bank707 High St, Baldwin City, KS 66006A+5.0 ★Texas Ratio: 1.02%, Envista Federal Credit UnionEnvista Federal Credit Union1803 N Lorraine St, Hutchinson, KS 67502A+5.0 ★Texas Ratio: 2.13%, Heritage BankHeritage Bank600 S Kansas Ave, Topeka, KS 66603C-3.6 ★Texas Ratio: 31.27%, Denison State BankDenison State Bank421 New York Ave, Holton, KS 66436A+5.0 ★Texas Ratio: 4.40%, Mutual Savings AssociationMutual Savings Association229 Oak St, Bonner Springs, KS 66012A+5.0 ★Texas Ratio: 3.48%, Communityamerica Federal Credit UnionCommunityamerica Federal Credit Union7714 State Ave, Kansas City, KS 66112, and The Bennington State BankThe Bennington State Bank418 Nw 3rd St, Abilene, KS 67410A+5.0 ★Texas Ratio: 1.98%. 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 Valley Falls, Kansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Valley Falls 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 Valley Falls, Kansas
Market share is the lender's share of all home loans closed in Valley Falls, 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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701 Kansas Ave, Atchison, KS 66002 A5.0 ★Texas Ratio: 7.97% |
Conventional | 9 | 11.5% | 100% | $100,555 | View |
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600 Commercial St, Atchison, KS 66002 A+5.0 ★Texas Ratio: 1.06% |
Conventional | 7 | 9% | 100% | $190,714 | View |
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114 E Cloud Ave, Andover, KS 67002 A+5.0 ★Texas Ratio: 5.21% |
Conventional | 3 | 3.8% | 75% | $121,666 | View |
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★ 2 stars, 1 review 707 High St, Baldwin City, KS 66006 A+5.0 ★Texas Ratio: 1.02% |
Conventional | 3 | 3.8% | 100% | $201,666 | View |
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1803 N Lorraine St, Hutchinson, KS 67502 A+5.0 ★Texas Ratio: 2.13% |
Conventional, HELOC | 2 +3 HELOCs |
2.6% | 100% | $160,000 | View |
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600 S Kansas Ave, Topeka, KS 66603 C-3.6 ★Texas Ratio: 31.27% |
Conventional | 2 | 2.6% | 100% | $175,000 | View |
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421 New York Ave, Holton, KS 66436 A+5.0 ★Texas Ratio: 4.40% |
Conventional | 2 | 2.6% | 100% | $105,000 | View |
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229 Oak St, Bonner Springs, KS 66012 A+5.0 ★Texas Ratio: 3.48% |
Conventional, Jumbo | 2 | 2.6% | 100% | $455,000 | View |
Communityamerica Federal Credit Union
7714 State Ave, Kansas City, KS 66112 |
Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $225,000 | |
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418 Nw 3rd St, Abilene, KS 67410 A+5.0 ★Texas Ratio: 1.98% |
Conventional | 1 | 1.3% | 100% | $35,000 | View |
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110 S 4th St, Edwardsville, KS 66111 A+5.0 ★Texas Ratio: 2.90% |
Conventional | 1 | 1.3% | 100% | $245,000 | View |
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320 Kansas Ave, Fort Leavenworth, KS 66027 A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 1.3% | 100% | $245,000 | View |
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306 E Main St, Gardner, KS 66030 A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 1.3% | 100% | $395,000 | View |
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610 E Cloud Ave, Andover, KS 67002 8952 A+5.0 ★Texas Ratio: 4.29% |
Conventional | 1 | 1.3% | 100% | $65,000 | View |
First State Bank & Trust
15506 Pinehurst Dr, Basehor, KS 66007 |
Conventional | 1 | 1.3% | 50% | $105,000 | |
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103 E Parallel St, Clifton, KS 66937 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 1 | 1.3% | 100% | $15,000 | View |
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501 E Washington St, Arma, KS 66712 A+5.0 ★Texas Ratio: 0.84% |
Conventional | 1 | 1.3% | 100% | $105,000 | View |
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2828 Shawnee Mission Pkwy, Fairway, KS 66205 A+5.0 ★Texas Ratio: 4.82% |
Conventional | 1 | 1.3% | 100% | $175,000 | View |
Frontier Community Credit Unio
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Conventional | 2 | 2.6% | 100% | $30,000 | |
M Squared Financial LLC
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FHA | 1 | 1.3% | 100% | $185,000 | |
Members Mortgage Services, LLC
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FHA | 1 | 1.3% | 100% | $145,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 1.3% | 100% | $65,000 | |
Rocket Mortgage
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Conventional, FHA | 8 | 10.3% | 69.2% | $162,500 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 5.1% | 80% | $125,000 | |
Flat Branch Mortgage, Inc.
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Conventional, FHA, USDA | 3 | 3.8% | 100% | $171,666 | |
Freedom Mortgage Corporation
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VA | 2 | 2.6% | 100% | $210,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, VA | 2 | 2.6% | 100% | $450,000 | View |
Nationstar Mortgage
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Conventional | 2 | 2.6% | 100% | $100,000 | |
Mortgage Research Center
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VA | 2 | 2.6% | 100% | $190,000 | |
Primelending
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FHA | 1 | 1.3% | 100% | $395,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 1.3% | 50% | $35,000 | |
Newrez LLC
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VA | 1 | 1.3% | 100% | $155,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 1.3% | 100% | $145,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 1.3% | 33.3% | $185,000 | |
First State Bank of St Charles
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Conventional | 1 | 1.3% | 100% | $445,000 | |
Churchill Mortgage Corporation
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FHA | 1 | 1.3% | 100% | $95,000 | |
BoxCar Mortgage, LLC
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FHA | 1 | 1.3% | 100% | $165,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 1.3% | 66.7% | $335,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 1.3% | 100% | $345,000 | View |
Valley Falls 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 Valley Falls, Kansas
Looking for mortgage lenders near me or mortgage brokers near me in Valley Falls? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Valley Falls in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Valley Falls, KS
Use these to narrow the list above. Each category shows how many Valley Falls, KS lenders fit and what that kind of lender is usually best for.
Who Lends in Valley Falls, KS
Independent mortgage companies closed 39.7 percent of home loans in Valley Falls, Kansas in 2025, banks 52.6 percent and credit unions 7.7 percent. M Squared Financial LLC was the largest mortgage company, Union State Bank of Everest the largest bank and Envista Federal Credit Union the largest credit union. Among lenders headquartered in Kansas, Union State Bank of Everest led with 9 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 Valley Falls, KS
By home loans closed in 2025, Union State Bank of Everest was the largest mortgage lender in Valley Falls, Kansas with 9 loans, about 11.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Valley Falls, Kansas in 2025, led by Rocket Mortgage with 4. 7 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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. 19 banks and 4 credit unions closed home loans in Valley Falls, Kansas in 2025, alongside 16 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 Valley Falls, 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 Valley Falls, 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 Valley Falls. 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.
