Commerce Home Mortgage in Kansas vs the state
18.5%Denial rate+3.49 pts vs state
22.7%Decision denial rate+4.45 pts vs state
63.0%Origination rate-0.86 pts vs state
7.88%Median rate+1.25 pts vs state
1.69Rate spread (pts)+1.39 pts vs state
$208kMedian applicant income
17Loans originated
5Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 11 | 10.0% | 8.50% | #282 |
| 2024 | 11 | 6 | 0.0% | 7.81% | #332 |
| 2025 | 27 | 17 | 18.5% | 7.88% | #282 |
What Commerce Home Mortgage lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 11 | 7 | 2 | 18.2% |
| Johnson County | 9 | 5 | 2 | 22.2% |
| Reno County | 2 | 2 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Saline County | 1 | 1 | 0 | 0.0% |
| Leavenworth County | 1 | 1 | 0 | 0.0% |
| Butler County | 1 | 0 | 1 | 100.0% |
| Shawnee County | 1 | 0 | 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: 27 applications in 2025, of which 17 were originated and 5 denied.
18.5% of all applications, or 22.7% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Commerce Home Mortgage originated in Kansas in 2025 was 7.88%, against a statewide median of 6.63%.
About this data. Figures are Commerce Home Mortgage'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