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Looking for a mortgage lender in Gardner? Review the directory below to compare your options.
8 agents listed
Updated May 2026
Gardner, KS
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Kansas before hiring.
Showing 8 mortgage lenders in Gardner, KS
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Central Bank
109 E Main St, Gardner, KS 66030
9136484540
Central Bank
900 E Main St, Gardner, KS 66030
9136484540
Capitol Federal® Savings Bank
660 E Main St, Gardner, KS 66030
9136522431
Arvest Bank
306 E Main St, Gardner, KS 66030
9139534393
Central National Bank - Inside Walmart
Inside Walmart, 1725 E Santa Fe St, Gardner, KS 66030
9138562136
Central National Bank Mortgage Services Office
205 N Moonlight Rd, Gardner, KS 66030
9138563218
Mid America Bank
18365 Gardner Rd, Gardner, KS 66030
9138842155
Kelly Mortgage
235 E Main St, Gardner, KS 66030
9138563816
Gardner Kansas home buyers and homeowners can work with local mortgage lenders to secure financing for a new home or refinance an existing loan. Kansas law requires all mortgage loan originators to be licensed through the Kansas Office of the State Bank Commissioner. Lenders in Gardner understand the Johnson County real estate market and can guide you through the loan process from pre-approval to closing.
What Does a Mortgage Lender in Gardner Cost?
Typical costs for a mortgage lender in Kansas include an origination fee of 0.5% to 1% of the loan amount, appraisal fees from $400 to $700, and title insurance which can cost $800 to $1,500. Closing costs in Kansas generally range from 2% to 5% of the purchase price. These figures vary based on loan type, property value, and lender policies. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Gardner Kansas?
You typically need pay stubs, W-2 forms, tax returns, bank statements, and a government-issued ID. Kansas lenders also require proof of homeowners insurance before closing. Self-employed borrowers may need additional profit and loss statements.
How long does the mortgage process take in Kansas?
A standard mortgage process in Kansas usually takes 30 to 45 days from application to closing. Kansas law requires a three business day right of rescission for refinances on a primary residence. Delays can occur if appraisal or title issues arise.
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Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Kansas.