Bell Bank in Kansas vs the state
4.1%Denial rate-10.90 pts vs state
5.1%Decision denial rate-13.21 pts vs state
76.5%Origination rate+12.70 pts vs state
6.50%Median rate-0.13 pts vs state
0.24Rate spread (pts)-0.06 pts vs state
$111kMedian applicant income
352Loans originated
19Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 244 | 189 | 4.9% | 6.88% | #79 |
| 2024 | 399 | 298 | 3.8% | 6.63% | #59 |
| 2025 | 460 | 352 | 4.1% | 6.50% | #58 |
What Bell Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Bell Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 212 | 154 | 8 | 3.8% |
| Douglas County | 72 | 60 | 2 | 2.8% |
| Wyandotte County | 57 | 42 | 5 | 8.8% |
| Shawnee County | 27 | 23 | 1 | 3.7% |
| Franklin County | 24 | 21 | 1 | 4.2% |
| Leavenworth County | 12 | 9 | 0 | 0.0% |
| Miami County | 11 | 10 | 0 | 0.0% |
| Sedgwick County | 9 | 8 | 0 | 0.0% |
| Riley County | 8 | 6 | 0 | 0.0% |
| Jefferson County | 6 | 4 | 1 | 16.7% |
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: 460 applications in 2025, of which 352 were originated and 19 denied.
4.1% of all applications, or 5.1% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Bell Bank originated in Kansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Bell Bank'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