Meet Radley Brooks — the Kansas mortgage lender buyers return to.

Twenty-plus years in Kansas mortgage lending

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Radley Brooks has spent his career doing one thing: originating residential mortgages in Kansas. That is not a career by accident — it is a career by choice. A lot of loan officers rotate through the industry in 18-month cycles before moving on to the next thing. Radley stayed. The depth that comes from staying is the thing most buyers don’t realize they need until the deal gets complicated.

Two decades of originations means Radley has seen every rate environment since the early 2000s housing cycle, every downstream underwriting policy change at Fannie Mae, Freddie Mac, HUD, VA, and USDA, and every appraiser panel shift across Kansas. He has closed loans through 2008, through 2013’s Dodd-Frank rewrite, through the pandemic origination surge and the rate shock that followed, and through every quieter cycle in between. That institutional memory is the kind of asset you can only build by being the person still at the desk.

Division President at PRMI — what that means

Radley’s title at PRMI is Division President. That is an operational role on top of his loan officer work: he sits inside the company’s origination and processing structure in a way that gives his files priority access to processing bandwidth and underwriter time. For you as a borrower, that is not a marketing talking point — it is the mechanical reason a Kansas Mortgage Lending file typically moves through to clear-to-close faster than files that bounce around a national lender’s queue.

It also means Radley has a say in how the branch is run. The Hutchinson office has a reputation — among Kansas agents, appraisers, and clients — for being the kind of shop where the loan officer returns calls, the processor knows your file, and the underwriter understands Kansas. That reputation is a choice, reinforced by 20+ years of the same leader.

Credentials and licensing

• NMLS #263374 — active Mortgage Loan Originator
• Kansas — Mortgage Loan Originator license
• Oklahoma — Mortgage Loan Originator license
• Texas — Mortgage Loan Originator license
• Arkansas — Mortgage Loan Originator license
• California — Mortgage Loan Originator license
• Missouri — Mortgage Loan Originator license

All licensing can be verified on the NMLS Consumer Access record.

Areas of practice

Radley and the Hutchinson branch originate the full residential mortgage product suite:

• Conventional loans — conforming to Fannie Mae and Freddie Mac guidelines, including HomeReady and Home Possible for first-time buyers
• FHA loans — HUD-insured, 3.5% down, flexible credit underwriting
• VA loans — 0% down for eligible service members, veterans, and qualifying spouses
• USDA loans — 0% down for eligible rural Kansas properties
• Refinances — rate-and-term, cash-out, FHA Streamline, VA IRRRL
• Jumbo loans — for properties above the 2026 conforming limit ($806,500 in most Kansas counties)
• Renovation financing — FHA 203(k) and Fannie Mae HomeStyle

The Radley Brooks philosophy

Three ideas run through every client engagement:

1. Start with the conversation, not the credit pull.

The first call is 15 minutes. No credit pull. No application. Just a conversation about what you’re trying to do — and whether the timing makes sense. Some clients come away from that call and decide to wait six months. That’s the right answer for them, and it’s the right conversation to have.

2. Pre-approval letters should mean something.

A pre-approval letter that isn’t worth the PDF it’s printed on hurts everyone — it hurts you when your offer gets rejected, it hurts the listing agent who has to re-shop the property, and it hurts the industry’s credibility. A Radley Brooks pre-approval reflects a real review: credit pulled, income verified, assets documented, automated underwriting run. It’s a credible letter.

3. Close on time, every time.

Timelines are a promise. A 25-day close means a 25-day close — which is only possible because the file is processed and underwritten in-house, not routed through three time zones. If something shifts the timeline, you hear about it first, in real time, not at the closing table.

Community

Radley is a long-time Hutchinson resident and active in the Reno County community. The Hutchinson branch supports local housing initiatives and partners with Kansas Realtors, local first-time buyer education programs, and community-facing events in south-central Kansas.

Contact

Radley Brooks
Division President · Mortgage Loan Originator · NMLS #263374
Primary Residential Mortgage, Inc. — Hutchinson Branch (NMLS #937171)
302 E. 30th Ave., Hutchinson, KS 67502
(620) 860-4480 · rbrooks@primeres.com
Hours: Mon–Fri 9a–6p · Sat 10a–2p · Sun closed

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