BMO Bank in Kansas vs the state
35.5%Denial rate+20.51 pts vs state
43.4%Decision denial rate+25.15 pts vs state
46.1%Origination rate-17.75 pts vs state
8.68%Median rate+2.05 pts vs state
1.59Rate spread (pts)+1.29 pts vs state
$85kMedian applicant income
223Loans originated
172Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 430 | 175 | 37.4% | 8.19% | #52 |
| 2024 | 561 | 250 | 34.8% | 9.06% | #41 |
| 2025 | 484 | 223 | 35.5% | 8.68% | #54 |
What BMO Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most BMO Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 163 | 82 | 54 | 33.1% |
| Sedgwick County | 107 | 43 | 38 | 35.5% |
| Harvey County | 35 | 21 | 8 | 22.9% |
| Wyandotte County | 23 | 3 | 16 | 69.6% |
| Franklin County | 22 | 11 | 7 | 31.8% |
| Cowley County | 16 | 7 | 5 | 31.3% |
| Finney County | 13 | 6 | 5 | 38.5% |
| Crawford County | 12 | 7 | 3 | 25.0% |
| Ford County | 11 | 3 | 5 | 45.5% |
| Barton County | 11 | 4 | 6 | 54.5% |
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: 484 applications in 2025, of which 223 were originated and 172 denied.
35.5% of all applications, or 43.4% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans BMO Bank originated in Kansas in 2025 was 8.68%, against a statewide median of 6.63%.
About this data. Figures are BMO 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