Home Bank and Trust in Kansas vs the state
2.5%Denial rate-12.50 pts vs state
2.5%Decision denial rate-15.75 pts vs state
82.9%Origination rate+19.09 pts vs state
6.88%Median rate+0.25 pts vs state
0.12Rate spread (pts)-0.18 pts vs state
$105kMedian applicant income
131Loans originated
4Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 190 | 166 | 3.2% | 6.50% | #86 |
| 2024 | 193 | 167 | 5.2% | 7.00% | #94 |
| 2025 | 158 | 131 | 2.5% | 6.88% | #122 |
What Home Bank and Trust lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Home Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 110 | 94 | 1 | 0.9% |
| Sumner County | 14 | 8 | 2 | 14.3% |
| Butler County | 14 | 10 | 0 | 0.0% |
| Greenwood County | 11 | 11 | 0 | 0.0% |
| Cowley County | 4 | 3 | 1 | 25.0% |
| Allen County | 1 | 1 | 0 | 0.0% |
| Kingman County | 1 | 1 | 0 | 0.0% |
| Reno County | 1 | 1 | 0 | 0.0% |
| Harvey County | 1 | 1 | 0 | 0.0% |
| Wilson County | 1 | 1 | 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: 158 applications in 2025, of which 131 were originated and 4 denied.
2.5% of all applications, or 2.5% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Home Bank and Trust originated in Kansas in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Home 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