HAYS, KS · ELLIS COUNTY

Hays, KS mortgage lender — local expertise, statewide backing.

Kansas Mortgage Lending originates home loans across Hays, KS and Ellis County. Operated by Radley Brooks (NMLS #263374) from the Hutchinson branch — 135 miles from Hays — with in-house processing and underwriting through Primary Residential Mortgage, Inc.

Start Pre-Approval (620) 860-4480

NMLS #263374 · Branch #937171 Equal Housing Lender Licensed KS, OK, TX, AR, CA, MO

21,000+

Hays population

Quick answer

Kansas Mortgage Lending originates home loans across Hays, KS and all of Ellis County. Radley Brooks (NMLS #263374) — Division President at Primary Residential Mortgage, Inc. (NMLS #3094) — has been originating Kansas mortgages for 20+ years. Most full pre-approvals for Hays buyers are issued within one business day. Ellis County seat and the largest city in western Kansas, anchored by Fort Hays State University.

Local market

The Hays, KS market — how we approach it.

Hays, KS is a Ellis County community of approximately 21,000+ residents, anchored by an economy centered on Fort Hays State University, healthcare, oil services. Major employers include Fort Hays State University, HaysMed (Hays Medical Center), Hays Regional Airport. That economic mix shapes the mortgage decisions we see here — from first-time buyers in starter homes to move-up buyers scaling into larger properties.

Ellis County seat and the largest city in western Kansas, anchored by Fort Hays State University.

USDA and program fit

USDA eligibility is available across many addresses here, particularly at the community’s edges. We confirm eligibility same-day.

Neighborhoods and submarkets we lend in

University area
Downtown Hays
West Hays new subdivisions

Whether you’re buying an established home in central Hays or a newer-construction property at the community’s edge, the loan process is the same: clear documentation, credit, income, and asset review, and a pre-approval letter issued — typically within one business day — that Hays-area listing agents take seriously.

Program fit

The loan programs that make sense in Hays.

Every loan program is available for Hays, KS buyers. The order below reflects what we see most often in this specific market.

Conventional Loans in Hays

3% down first-time buyer · cancellable PMI at 20% equity · best for 680+ credit

Explore Conventional Loans

FHA Loans in Hays

3.5% down with 580+ credit · flexible underwriting · first-time buyer friendly

Explore FHA Loans

VA Loans in Hays

0% down · no PMI · for eligible veterans and service members

Explore VA Loans

USDA Loans in Hays

0% down · eligible rural properties · income-qualified buyers

Explore USDA Loans

Frequently asked

Hays, KS mortgage questions, answered.

Who is the best mortgage lender in Hays, KS?

Radley Brooks (NMLS #263374), Division President at Primary Residential Mortgage, Inc., originates home loans for Hays, KS and across all of Kansas. The branch at 302 E. 30th Avenue in Hutchinson handles origination, processing, and underwriting in-house — one of the reasons buyers in Hays choose Kansas Mortgage Lending for every next purchase.

Do Hays homes qualify for USDA loans?

USDA eligibility is available across many addresses here, particularly at the community’s edges. We confirm eligibility same-day.

What is the average home price in Hays, KS?

Hays, KS home prices reflect the community’s size (21,000+ population) and its local economy (Fort Hays State University, healthcare, oil services). Current median figures are reviewed at the time of pre-approval. We run your specific scenario against Hays comps before issuing any loan estimate.

Which loan programs are popular in Hays?

The right program depends on credit, down payment, and the specific property — but in Hays the most frequently used programs are: Conventional Loans, FHA Loans, VA Loans, USDA Loans. See the program cards above for the quick details.

How long does it take to close a mortgage in Hays?

Purchase loans in Hays typically close within 21–30 days of a signed contract when the borrower responds promptly. Refinances usually close within 30–45 days. VA and USDA loans sometimes add a few days for agency-specific requirements.