Kaw Valley Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
46th5.5% deniedProcesswithdrawn + incomplete share, weight 15%
67th2.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 99 | 83 | 10.1% | 10.4% | — | $15M |
| 2024 | 119 | 102 | 7.6% | 8.0% | — | $15M |
| 2025 | 112 | 102 | 5.4% | 5.5% | — | $16M |
What Kaw Valley Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 71 investment properties.
Why Kaw Valley Bank denies applications
Primary reason reported for each of the 6 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Where Kaw Valley Bank lends
4 states and 14 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Kaw Valley Bank denied 5.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 46th percentile of investment-property lenders.
The most common reason Kaw Valley Bank gave in 2025 was "credit history", cited on 83.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 52% of its applications were for home purchases, 39% for refinancing (including cash-out), and 9% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.