Mortgage lending in Johnson County
15,821 mortgages were originated in Johnson County, Kansas, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 15,821
- Median rate
- 6.625%
- Median lender fees
- $3,338
- Median loan amount
- $295,000
- Median spread over APOR
- 0.186
- Paid discount points
- 27.9%
- Received lender credits
- 22.3%
- Purchases / refinances
- 52.5% / 26.7%
- Conventional / FHA / VA
- 89.7% / 6% / 4.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 70.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Johnson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| COMMUNITYAMERICA CREDIT UNION | 1,962 | $3,231 | 6.250% |
| Rocket Mortgage, LLC | 876 | $3,327 | 6.750% |
| Fairway Independent Mortgage Corporation | 870 | $3,362 | 6.625% |
| Capitol Federal Savings Bank | 625 | $3,157 | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 500 | $6,625 | 6.500% |
| Arvest Bank | 468 | $3,342 | 6.750% |
| First State Bank of St. Charles, Missouri | 404 | $3,063 | 6.500% |
| Commerce Bank | 377 | $2,148 | 6.250% |
| CROSSCOUNTRY MORTGAGE, INC. | 361 | $3,795 | 6.625% |
| U.S. Bank National Association | 338 | $2,583 | 7.900% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Johnson County — not a rule of thumb.
From 11,172 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers