Guaranteed Rate in Kansas vs the state
8.3%Denial rate-6.77 pts vs state
14.6%Decision denial rate-3.71 pts vs state
46.2%Origination rate-17.67 pts vs state
6.50%Median rate-0.13 pts vs state
0.19Rate spread (pts)-0.11 pts vs state
$115kMedian applicant income
162Loans originated
29Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 364 | 179 | 4.1% | 6.63% | #62 |
| 2024 | 240 | 150 | 8.3% | 6.75% | #82 |
| 2025 | 351 | 162 | 8.3% | 6.50% | #73 |
What Guaranteed Rate lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 134 | 66 | 8 | 6.0% |
| Sedgwick County | 36 | 15 | 2 | 5.6% |
| Wyandotte County | 22 | 11 | 0 | 0.0% |
| Clay County | 19 | 8 | 3 | 15.8% |
| Geary County | 16 | 15 | 0 | 0.0% |
| Shawnee County | 14 | 4 | 3 | 21.4% |
| Riley County | 14 | 6 | 0 | 0.0% |
| Cloud County | 10 | 4 | 3 | 30.0% |
| Leavenworth County | 10 | 4 | 2 | 20.0% |
| Pottawatomie County | 9 | 8 | 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: 351 applications in 2025, of which 162 were originated and 29 denied.
8.3% of all applications, or 14.6% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Guaranteed Rate originated in Kansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate'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