21st Mortgage in Kansas vs the state
54.0%Denial rate+38.95 pts vs state
75.2%Decision denial rate+56.92 pts vs state
17.2%Origination rate-46.59 pts vs state
9.89%Median rate+3.27 pts vs state
4.91Rate spread (pts)+4.61 pts vs state
$63kMedian applicant income
91Loans originated
285Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 483 | 97 | 49.1% | 9.15% | #45 |
| 2024 | 473 | 97 | 51.4% | 9.60% | #51 |
| 2025 | 528 | 91 | 54.0% | 9.89% | #51 |
What 21st Mortgage lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 103 | 7 | 64 | 62.1% |
| Johnson County | 56 | 6 | 31 | 55.4% |
| Shawnee County | 44 | 17 | 20 | 45.5% |
| Butler County | 28 | 9 | 12 | 42.9% |
| Douglas County | 21 | 4 | 14 | 66.7% |
| Finney County | 17 | 2 | 11 | 64.7% |
| McPherson County | 14 | 6 | 7 | 50.0% |
| Cherokee County | 13 | 4 | 7 | 53.8% |
| Pottawatomie County | 13 | 1 | 8 | 61.5% |
| Wyandotte County | 13 | 0 | 9 | 69.2% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 528 applications in 2025, of which 91 were originated and 285 denied.
54.0% of all applications, or 75.2% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans 21st Mortgage originated in Kansas in 2025 was 9.89%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology