Mortgage Refinancing in Kansas
Real refinance data for Kansas from federal sources, updated annually. See how your state compares to national averages.
Refinance Originations
4,496
2023 HMDA data
Avg Loan Amount
$327,602
National: $410,429
Denial Rate
20.91%
▲ Below national avg
Median Home Value
$203,400
U.S. Census Bureau
Source: HMDA 2023 via CFPB, U.S. Census Bureau ACS
Calculate your refinance savingsRefinance Trends in Kansas
Originations by Year
Refinance originations in Kansas by year. Source: HMDA via CFPB.
Loan Type Breakdown
Includes all refinance applications (originated, denied, and other outcomes). Source: HMDA via CFPB.
Home Price Trends in Kansas
Source: FHFA House Price Index
Top Lenders in Kansas
| # | Lender | HMDA Records | Avg Loan |
|---|---|---|---|
| 1 | Rocket Mortgage LLC | 4,662 | - |
| 2 | Fairway Independent Mortgage Corporation | 3,485 | - |
| 3 | Communityamerica | 3,282 | - |
| 4 | Capitol Federal Savings Bank | 3,116 | - |
| 5 | Rocket Mortgage LLC | 3,070 | - |
| 6 | Communityamerica Credit Union | 2,975 | - |
| 7 | U.s. Bank National Association | 2,945 | - |
| 8 | Pennymac Loan Services LLC | 2,940 | - |
| 9 | Pennymac Loan Services LLC | 2,610 | - |
| 10 | Credit Union Of America | 2,510 | - |
Ranked by total HMDA filings in the state (2023). Source: HMDA via CFPB.
Compare all lenders →How Kansas Compares
| Metric | Kansas | National Avg |
|---|---|---|
| Refinance Originations | 4,496 | 435,709 |
| Avg Loan Amount | $327,602 | $410,429 |
| Denial Rate | 20.91% | 27.87% |
Green indicates the state performs better than the national average. Red indicates worse. Source: HMDA 2023, U.S. Census Bureau.
Current Mortgage Rates
30-Year Fixed
6.38%
▲ 6.22% prev
15-Year Fixed
5.75%
▲ 5.54% prev
5/1 ARM
6.06%
▲ 5.95% prev
National average rates updated daily from FRED (Federal Reserve Bank of St. Louis). Your rate depends on your credit score, loan amount, and lender.
Get personalized rates →Frequently Asked Questions
How many people refinanced in Kansas in 2023?
In 2023, there were 4,496 refinance originations in Kansas, according to HMDA data reported to the CFPB.
What is the average refinance loan amount in Kansas?
The average refinance loan amount in Kansas was $327,602 in 2023. This reflects originated loans reported through HMDA.
What is the refinance denial rate in Kansas?
The refinance denial rate in Kansas was 20.91% in 2023. This is calculated from originated and denied applications reported to the CFPB.
What are the top refinance lenders in Kansas?
The most active lenders in Kansas by HMDA filing volume include Rocket Mortgage LLC, Fairway Independent Mortgage Corporation, Communityamerica. See the full list above for details.
Is it a good time to refinance in Kansas?
Whether refinancing makes sense depends on your current rate, loan balance, and how long you plan to stay in your home. Use our refinance calculator and break-even calculator to estimate your potential savings based on current national rates.
Want a deeper analysis?
Read our full editorial guide on refinancing in Kansas, including tips, regulations, and state programs.
Read the Kansas Refinance GuideData sourced from HMDA (Home Mortgage Disclosure Act) via the CFPB and FRED (Federal Reserve Bank of St. Louis). Demographics from the U.S. Census Bureau American Community Survey. This page is for educational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for personalized guidance.