Lending data
Who actually lends to real estate and rental businesses in Kansas?
34 SBA 7(a) loans went to real estate and rental businesses in Kansas recently, at a median of $150,000. Here are the lenders that made them, ranked.
34 SBA 7(a) loans went to real estate and rental businesses in Kansas in the most recent fiscal years. The median was $150,000 over 10 years. The most active lender was Bank Five Nine, with 6 loans.
What lending to real estate and rental businesses in Kansas actually looks like
Every figure on this page is computed from SBA 7(a) loan-level FOIA data released 2026-06-30. It reflects loans that were actually approved, not rate cards or advertised ranges.
| Measure | Real estate and rental, Kansas | All 7(a) borrowers |
|---|---|---|
| Loans approved | 34 | 214,102 |
| Median loan | $150,000 | $150,000 |
| 25th - 75th percentile | $73,750 - $397,500 | $50,000 - $500,000 |
| Median term | 10 years | 10 years |
| Median initial rate | 9.62% | 10.25% |
| Share to startups | 35.3% | 33.6% |
| Charge-off rate, FY2010-19 cohort | 5.2% | 7.1% |
Which lenders actually funded them
Ranked by loans approved to real estate and rental businesses in Kansas. This is the list worth working from, because a lender that has funded dozens of businesses like yours in your state has seen your file before.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| Bank Five Nine | 6 | $498,200 | 17% | 8.88% |
| Emprise Bank | 2 | $321,600 | 50% | 7.88% |
| Readycap Lending, LLC | 2 | $200,000 | 0% | 12.62% |
| U.S. Bank | 2 | $12,750 | 50% | 10.24% |
| Lendistry SBLC, LLC | 2 | $126,350 | 0% | 12.62% |
| Bank of Hays | 2 | $191,250 | 50% | 8.38% |
| Celtic Bank Corporation | 2 | $100,000 | 50% | 10.75% |
| The Huntington National Bank | 2 | $456,500 | 0% | 10.12% |
What stands out in this market
Reading the figures above against the national picture:
- Loan sizes are typical. The median of $150,000 is within a few percent of the $150,000 national median across all 7(a) borrowers, so nothing about this market is unusual on size.
- Startup share is about average, at 35% against 34% nationally.
- No single lender dominates, but the top three made 29% of these loans, so the shortlist below covers most of the active market.
- Rates run lower here. The median initial rate of 9.62% is 0.63 points below the 10.25% national median, which usually tracks loan size and perceived sector risk rather than geography.
How to use this
- Shortlist three lenders from the table whose median loan is close to what you need.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year. See choosing an SBA lender.
- Check your coverage first with the affordability calculator so you ask for a number the cash flow supports.
- Assemble the package before you call. The document checklist is the single biggest thing you control.
Compare other markets
- Other sectors in Kansas: restaurants and hotels, healthcare, construction, retail, personal services, professional services
- Real Estate in comparable states: Oklahoma, Louisiana, New Hampshire, Maine, Kentucky, Alabama