Mortgage lending in Sedgwick County
12,454 mortgages were originated in Sedgwick 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
- 12,454
- Median rate
- 6.750%
- Median lender fees
- $3,943
- Median loan amount
- $165,000
- Median spread over APOR
- 0.276
- Paid discount points
- 34.4%
- Received lender credits
- 17.7%
- Purchases / refinances
- 56.4% / 28.5%
- Conventional / FHA / VA
- 77.5% / 12.5% / 9.7%
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 67% 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 Sedgwick County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CREDIT UNION OF AMERICA | 811 | $3,019 | 7.750% |
| MERITRUST Federal Credit Union | 644 | $2,971 | 6.750% |
| Rocket Mortgage, LLC | 629 | $5,098 | 6.611% |
| GUILD MORTGAGE COMPANY | 552 | $5,161 | 6.625% |
| Fidelity Bank, National Association | 546 | $3,381 | 6.875% |
| Peoples Bank and Trust Company | 419 | $3,287 | 6.875% |
| Emprise Bank | 378 | — | 7.700% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 373 | $6,670 | 6.125% |
| PREMIER MEMBERS CREDIT UNION | 368 | $2,923 | 6.500% |
| PENNYMAC LOAN SERVICES, LLC | 325 | $4,516 | 6.375% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Sedgwick County — not a rule of thumb.
From 8,347 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