Refinancing lenders in Cloud County
29 refinancing mortgages were made in Cloud County, Kansas, in 2025, by 17 lenders. The median rate their borrowers got was 6.688% on a median loan of $95,000. Of 36 decisions, 4 were denials — 11.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| THE KAW VALLEY STATE BANK AND TRUST COMPANY, OF WAMEGO, KANSAS | 10 | Not published | $130,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Bennington State Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Citizens National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Rocket Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Central National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN PLAINS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| HEARTLAND CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.