2025 · Kansas
In 2025, 5,883 investment-property loans worth $1.1B were originated on single-family 1-4 unit homes in Kansas. Here's how those terms compared to the rest of the country.
Investor rate premium
100 bps
U.S. median: 76 bps
Denial rate
8.9%
U.S. median: 17.5%
DSCR / business-purpose
60%
U.S. median: 72%
Median LTV
75%
U.S. median: 74%
Since 2024 in Kansas
Rate premium
113 bps → 100 bps
-13 bpsInvestor loans
4,745 → 5,883
+24.0%Denial rate
8.4% → 8.9%
+0.4 ptsDSCR / business-purpose
54% → 60%
+6.6 ptsInvestors in Kansas borrowed at a median rate of 7.5%, versus 6.5% for owner-occupants — a 100 bps premium that ranks 6th of 51 states.
Their applications were denied 8.9% of the time. The leading reasons for denial were collateral, debt-to-income ratio, credit history.
60% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 13% were cash-out refinances. The typical loan-to-value was 75%, implying about 25% down.
In 2025, the median investment-property loan in Kansas carried a rate of 7.5% versus 6.5% for an owner-occupant — a premium of 100 bps. That ranks 6th of 51 states (1 = highest premium).
8.9% of investment-property applications were denied in Kansas in 2025, the 46th-highest denial rate among the 51 states. The most common denial reasons were collateral, debt-to-income ratio, credit history.
60% of investor loans in Kansas were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (44th of 51). The median loan-to-value was 75%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.