Commerce Bank in Kansas vs the state
24.4%Denial rate+9.41 pts vs state
30.7%Decision denial rate+12.42 pts vs state
54.3%Origination rate-9.52 pts vs state
6.38%Median rate-0.25 pts vs state
0.04Rate spread (pts)-0.26 pts vs state
$112kMedian applicant income
751Loans originated
338Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,817 | 957 | 28.4% | 6.38% | #6 |
| 2024 | 1,542 | 796 | 27.9% | 6.50% | #10 |
| 2025 | 1,383 | 751 | 24.4% | 6.38% | #13 |
What Commerce Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 645 | 377 | 127 | 19.7% |
| Sedgwick County | 193 | 98 | 58 | 30.1% |
| Wyandotte County | 92 | 40 | 34 | 37.0% |
| Douglas County | 81 | 43 | 16 | 19.8% |
| Leavenworth County | 53 | 34 | 11 | 20.8% |
| Crawford County | 38 | 26 | 4 | 10.5% |
| Butler County | 36 | 16 | 14 | 38.9% |
| Riley County | 32 | 20 | 5 | 15.6% |
| Finney County | 27 | 12 | 10 | 37.0% |
| Cherokee County | 26 | 17 | 4 | 15.4% |
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: 1,383 applications in 2025, of which 751 were originated and 338 denied.
24.4% of all applications, or 30.7% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Commerce Bank originated in Kansas in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Commerce 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