American Financing in Kansas vs the state
43.5%Denial rate+28.49 pts vs state
56.0%Decision denial rate+37.67 pts vs state
27.3%Origination rate-36.51 pts vs state
5.99%Median rate-0.63 pts vs state
0.24Rate spread (pts)-0.06 pts vs state
$85kMedian applicant income
59Loans originated
94Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 118 | 24 | 35.6% | 6.25% | #130 |
| 2024 | 209 | 52 | 49.3% | 6.00% | #90 |
| 2025 | 216 | 59 | 43.5% | 5.99% | #99 |
What American Financing lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 42 | 15 | 18 | 42.9% |
| Johnson County | 26 | 4 | 14 | 53.8% |
| Wyandotte County | 17 | 7 | 9 | 52.9% |
| Shawnee County | 13 | 1 | 6 | 46.2% |
| Reno County | 10 | 6 | 3 | 30.0% |
| Harvey County | 8 | 2 | 3 | 37.5% |
| Butler County | 7 | 0 | 3 | 42.9% |
| Marion County | 6 | 0 | 3 | 50.0% |
| Barton County | 5 | 3 | 0 | 0.0% |
| Ellis County | 5 | 1 | 2 | 40.0% |
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: 216 applications in 2025, of which 59 were originated and 94 denied.
43.5% of all applications, or 56.0% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans American Financing originated in Kansas in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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