First State Bank and Trust in Kansas vs the state
16.9%Denial rate+1.84 pts vs state
17.1%Decision denial rate-1.21 pts vs state
75.3%Origination rate+11.48 pts vs state
—Median rate
—Rate spread (pts)
$111kMedian applicant income
125Loans originated
28Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 75 | 11.5% | — | #143 |
| 2024 | 157 | 112 | 14.0% | — | #111 |
| 2025 | 166 | 125 | 16.9% | — | #118 |
What First State Bank and Trust lends in Kansas
By loan purpose
By loan type
Where in Kansas
Counties with the most First State Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Leavenworth County | 76 | 59 | 12 | 15.8% |
| Douglas County | 37 | 31 | 4 | 10.8% |
| Wyandotte County | 18 | 15 | 1 | 5.6% |
| Jefferson County | 18 | 12 | 4 | 22.2% |
| Johnson County | 7 | 4 | 1 | 14.3% |
| Shawnee County | 3 | 2 | 1 | 33.3% |
| Franklin County | 1 | 0 | 1 | 100.0% |
| Harvey County | 1 | 1 | 0 | 0.0% |
| Sedgwick County | 1 | 1 | 0 | 0.0% |
| Woodson County | 1 | 0 | 1 | 100.0% |
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: 166 applications in 2025, of which 125 were originated and 28 denied.
16.9% of all applications, or 17.1% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First State Bank and Trust'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