What people paid for mortgages in Sedgwick County, KS (2025)
Across 5,835 closed home-purchase loans in 2025, the median interest rate in Sedgwick was 6.5%, and the middle half of borrowers got between 6.125% and 6.75%. Median total loan costs ran $4,193 on a median loan of $225,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.75%
- Median total loan costs
- $4,193
- Median loan amount
- $225,000
5,835 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.875%
- Median total loan costs
- $4,956
- Median loan amount
- $195,000
1,861 loans, 2025.
Lowest median rates in Sedgwick (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.PREMIER MEMBERS CREDIT UNION5.938%176 loans, median costs $3,091
- 2.Bank of America, National Association6%33 loans, median costs $3,102
- 3.Capitol Federal Savings Bank6.125%89 loans, median costs $3,237
- 4.Members Mortgage Services, L.L.C.6.125%80 loans, median costs $6,876
- 5.PENTAGON FEDERAL CREDIT UNION6.125%61 loans, median costs $4,598
Among lenders with at least 30 closed purchase loans in Sedgwick County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.658%144 loans, median costs $5,631
- 2.Mortgage Research Center, LLC5.75%41 loans, median costs $3,914
- 3.PENNYMAC LOAN SERVICES, LLC5.99%108 loans, median costs $5,512
- 4.PLANET HOME LENDING, LLC5.99%36 loans, median costs $4,472
- 5.Rocket Mortgage, LLC6.125%273 loans, median costs $6,147
Among lenders with at least 30 closed refinance loans in Sedgwick County in 2025.
Lender by lender in Sedgwick
Every lender that closed at least 5 qualifying loans in Sedgwick County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | GUILD MORTGAGE COMPANY | 445 | 6.625% | $5,733 | $2,168 | $1,170 |
| 2 | MERITRUST Federal Credit Union | 311 | 6.25% | $3,155 | $929 | $841 |
| 3 | Fidelity Bank, National Association | 259 | 6.625% | $3,549 | $1,050 | $546 |
| 4 | Gateway First Bank | 240 | 6.5% | $3,716 | $1,030 | $730 |
| 5 | Mortgage Research Center, LLC | 240 | 6.25% | $4,756 | $0 | $824 |
| 6 | Sierra Pacific Mortgage Company, Inc. | 226 | 6.625% | $6,560 | $3,219 | $2,157 |
| 7 | CREDIT UNION OF AMERICA | 226 | 6.375% | $3,068 | $878 | $1,340 |
| 8 | Peoples Bank and Trust Company | 208 | 6.688% | $3,307 | $995 | $702 |
| 9 | Rocket Mortgage, LLC | 186 | 6.5% | $5,901 | $3,275 | $2,215 |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 183 | 6.499% | $7,159 | $2,365 | $1,719 |
| 11 | PREMIER MEMBERS CREDIT UNION | 176 | 5.938% | $3,091 | $929 | $1,062 |
| 12 | FLAT BRANCH MORTGAGE, INC. | 172 | 6.5% | $5,737 | $2,391 | $1,597 |
| 13 | PENNYMAC LOAN SERVICES, LLC | 146 | 6.375% | $5,512 | $895 | $1,262 |
| 14 | PLANET HOME LENDING, LLC | 131 | 6.5% | $6,027 | $1,465 | $851 |
| 15 | Fairway Independent Mortgage Corporation | 123 | 6.5% | $5,884 | $1,990 | $2,033 |
| 16 | American Mortgage Bank, LLC | 110 | 6.625% | $4,095 | $1,345 | $630 |
| 17 | Zippy Loans, LLC | 108 | 8% | $1,917 | $1,478 | n/a |
| 18 | Intrust Bank, National Association | 101 | 6.25% | $2,094 | $950 | $590 |
| 19 | HEARTLAND CREDIT UNION | 99 | 6.5% | $3,637 | $1,474 | $692 |
| 20 | Capitol Federal Savings Bank | 89 | 6.125% | $3,237 | $1,090 | $2,995 |
| 21 | REGENT FINANCIAL GROUP, INC. | 87 | 6.5% | $5,740 | $1,906 | $1,401 |
| 22 | Members Mortgage Services, L.L.C. | 80 | 6.125% | $6,876 | $1,115 | $736 |
| 23 | AMERICAN FINANCIAL RESOURCES, INC. | 63 | 6.5% | $6,445 | $675 | $984 |
| 24 | PENTAGON FEDERAL CREDIT UNION | 61 | 6.125% | $4,598 | $1,764 | $1,978 |
| 25 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 55 | 6.625% | $5,236 | $816 | $1,455 |
| 26 | Wichita Federal Credit Union | 52 | 6.938% | $3,020 | $540 | $1,637 |
| 27 | Home Bank and Trust Company | 49 | 6.5% | $3,156 | $895 | $3,820 |
| 28 | Navy Federal Credit Union | 44 | 6.125% | $2,401 | $0 | n/a |
| 29 | UNION HOME MORTGAGE CORP. | 44 | 6.125% | $5,987 | $3,104 | $1,664 |
| 30 | NEWREZ LLC | 42 | 6.562% | $5,863 | $1,542 | $626 |
| 31 | TRIAD FINANCIAL SERVICES, INC. | 41 | 8.48% | $8,015 | $5,880 | n/a |
| 32 | CANOPY MORTGAGE, LLC | 39 | 6.625% | $7,986 | $2,899 | $1,708 |
| 33 | Equity Prime Mortgage LLC | 37 | 7.375% | $7,929 | $2,697 | $1,662 |
| 34 | MID AMERICAN CREDIT UNION | 37 | 6.625% | $3,529 | $1,085 | $271 |
| 35 | Emprise Bank | 37 | 6.65% | $3,145 | $750 | n/a |
| 36 | Andover State Bank | 36 | n/a | n/a | n/a | n/a |
| 37 | Sunflower Bank, National Association | 36 | 6.125% | $4,913 | $1,666 | $1,116 |
| 38 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 35 | 6.75% | $4,070 | $1,460 | $426 |
| 39 | USAA Federal Savings Bank | 35 | 6.375% | $5,881 | $1,575 | $1,682 |
| 40 | U.S. Bank National Association | 34 | 6.5% | $3,059 | $847 | $1,170 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Sedgwick figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Sedgwick County in 2025?
The median interest rate on closed home-purchase loans in Sedgwick County, Kansas in 2025 was 6.5%, across 5,835 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.