American Heritage Lending in Kansas vs the state
4.9%Denial rate-10.15 pts vs state
8.0%Decision denial rate-10.28 pts vs state
19.5%Origination rate-44.31 pts vs state
7.63%Median rate+1.00 pts vs state
1.48Rate spread (pts)+1.18 pts vs state
$69kMedian applicant income
8Loans originated
2Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 9 | 8.7% | 9.13% | #267 |
| 2024 | 12 | 10 | 8.3% | 8.88% | #320 |
| 2025 | 41 | 8 | 4.9% | 7.63% | #242 |
What American Heritage Lending lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 13 | 2 | 1 | 7.7% |
| Shawnee County | 7 | 0 | 1 | 14.3% |
| Wyandotte County | 5 | 0 | 0 | 0.0% |
| Johnson County | 5 | 2 | 0 | 0.0% |
| Reno County | 3 | 1 | 0 | 0.0% |
| Barton County | 2 | 0 | 0 | 0.0% |
| Sumner County | 2 | 1 | 0 | 0.0% |
| Harvey County | 1 | 1 | 0 | 0.0% |
| Butler County | 1 | 0 | 0 | 0.0% |
| Crawford County | 1 | 1 | 0 | 0.0% |
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: 41 applications in 2025, of which 8 were originated and 2 denied.
4.9% of all applications, or 8.0% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans American Heritage Lending originated in Kansas in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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