Lower in Kansas vs the state
17.4%Denial rate+2.39 pts vs state
25.8%Decision denial rate+7.56 pts vs state
48.5%Origination rate-15.34 pts vs state
6.63%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.10 pts vs state
$99kMedian applicant income
64Loans originated
23Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 57 | 16.2% | 6.63% | #140 |
| 2024 | 136 | 98 | 6.6% | 6.75% | #127 |
| 2025 | 132 | 64 | 17.4% | 6.63% | #135 |
What Lower lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 38 | 22 | 4 | 10.5% |
| Sedgwick County | 28 | 15 | 3 | 10.7% |
| Leavenworth County | 8 | 5 | 0 | 0.0% |
| Shawnee County | 8 | 2 | 2 | 25.0% |
| Wyandotte County | 8 | 3 | 3 | 37.5% |
| Douglas County | 6 | 3 | 2 | 33.3% |
| Reno County | 4 | 0 | 0 | 0.0% |
| Coffey County | 3 | 2 | 0 | 0.0% |
| Lyon County | 3 | 0 | 2 | 66.7% |
| Crawford County | 3 | 1 | 2 | 66.7% |
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: 132 applications in 2025, of which 64 were originated and 23 denied.
17.4% of all applications, or 25.8% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Lower originated in Kansas in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Lower'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