Discover Bank in Kansas vs the state
52.2%Denial rate+37.14 pts vs state
73.5%Decision denial rate+55.26 pts vs state
18.4%Origination rate-45.41 pts vs state
8.77%Median rate+2.14 pts vs state
2.42Rate spread (pts)+2.12 pts vs state
$102kMedian applicant income
102Loans originated
289Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,778 | 242 | 48.5% | 9.74% | #7 |
| 2024 | 1,767 | 367 | 49.3% | 8.86% | #8 |
| 2025 | 554 | 102 | 52.2% | 8.77% | #48 |
What Discover Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 161 | 37 | 75 | 46.6% |
| Sedgwick County | 109 | 20 | 54 | 49.5% |
| Shawnee County | 46 | 5 | 25 | 54.3% |
| Wyandotte County | 28 | 4 | 18 | 64.3% |
| Butler County | 19 | 2 | 11 | 57.9% |
| Douglas County | 17 | 7 | 7 | 41.2% |
| Leavenworth County | 15 | 5 | 5 | 33.3% |
| Miami County | 9 | 3 | 4 | 44.4% |
| Reno County | 9 | 0 | 6 | 66.7% |
| Saline County | 8 | 3 | 3 | 37.5% |
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: 554 applications in 2025, of which 102 were originated and 289 denied.
52.2% of all applications, or 73.5% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Discover Bank originated in Kansas in 2025 was 8.77%, against a statewide median of 6.63%.
About this data. Figures are Discover 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