Applications / Mortgage Analytics / Lenders / Kansas / Mortgage Investment Services
Shawnee, KS · Independent non-bank lender · CFPB · 380 loans in 2025
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380
loans originated, 2025
737
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mortgage Investment Services is a rural, government-backed lender whose typical loan is about half the size of its peers'.
Only 31.3% of its loans were conventional, against 73.6% at similar lenders, meaning independent non-bank lenders making between half and twice as many loans. Loans insured by the Federal Housing Administration (FHA) made up 41.3%. Another 18.4% were guaranteed by the Department of Agriculture's Rural Housing Service (RHS), a product the typical peer does not use at all. Its FHA share has risen from 16.1% in 2020.
Its typical loan was $165,000, against $335,000, smaller than about nine in ten similar lenders. Some 40.3% of its loans went to low- and moderate-income borrowers, against 22.9%. Yet only 9.5% were in low- and moderate-income neighborhoods and 4.2% in majority-minority ones, both lower than nearly nine in ten of its peers. Its lending is spread across 114 counties, many of them rural, which may hold few such neighborhoods.
Its largest market is rural Kansas, where it ranked 21 of 398 lenders; Rocket Mortgage led. It has lent there since 2001, its first year of reporting. In the Kansas City metro its share was 0.1%, unchanged, and it ranked 195 of 659.
Its loans rose 2% in 2025, to 380, close to the 1% of similar lenders, while the whole market rose 10%. That leaves it far below the 1,076 loans it made in 2020.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mortgage Investment Services took 737 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.8% · Refinance 18.9% · Home improvement 0.3%
FHA 41.3% · Conventional 31.3% · USDA (RHS or FSA) 18.4% · VA 8.9% · of 380 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 205 | 53.9% |
| Oklahoma | 104 | 27.4% |
| Missouri | 66 | 17.4% |
| Nebraska | 3 | 0.8% |
| Arkansas | 1 | 0.3% |
| Colorado | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 33 |
| Oklahoma City | 21 |
| Topeka | 21 |
| Wichita | 10 |
| Tulsa | 8 |
| Manhattan | 6 |
| St. Joseph | 5 |
| St. Louis | 3 |
| Columbia | 1 |
| Fayetteville-Springdale-Rogers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PCN2EQDRMIHV68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3849488 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 71642200007 | 2001–2017 |
Established 15 August 2000. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Mortgage Investment Services's data.
Mortgage Investment Services's data
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Mortgage Investment Services and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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