Central National Bank in Kansas vs the state
12.3%Denial rate-2.72 pts vs state
13.9%Decision denial rate-4.43 pts vs state
75.8%Origination rate+11.95 pts vs state
6.76%Median rate+0.13 pts vs state
0.11Rate spread (pts)-0.19 pts vs state
$90kMedian applicant income
197Loans originated
32Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 283 | 216 | 11.7% | 7.00% | #72 |
| 2024 | 244 | 194 | 9.0% | 7.00% | #80 |
| 2025 | 260 | 197 | 12.3% | 6.76% | #84 |
What Central National Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Central National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shawnee County | 39 | 29 | 4 | 10.3% |
| Geary County | 33 | 26 | 5 | 15.2% |
| Sedgwick County | 30 | 23 | 5 | 16.7% |
| Riley County | 19 | 16 | 1 | 5.3% |
| Johnson County | 12 | 6 | 3 | 25.0% |
| Coffey County | 11 | 10 | 0 | 0.0% |
| Harvey County | 11 | 8 | 1 | 9.1% |
| Pottawatomie County | 10 | 8 | 2 | 20.0% |
| Mitchell County | 9 | 4 | 1 | 11.1% |
| Cloud County | 8 | 5 | 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: 260 applications in 2025, of which 197 were originated and 32 denied.
12.3% of all applications, or 13.9% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Central National Bank originated in Kansas in 2025 was 6.76%, against a statewide median of 6.63%.
About this data. Figures are Central National 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