Navy Federal Credit Union in Kansas vs the state
16.1%Denial rate+1.08 pts vs state
23.1%Decision denial rate+4.82 pts vs state
52.5%Origination rate-11.32 pts vs state
6.50%Median rate-0.13 pts vs state
-0.11Rate spread (pts)-0.41 pts vs state
$110kMedian applicant income
515Loans originated
158Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 814 | 416 | 22.4% | 6.63% | #23 |
| 2024 | 852 | 434 | 19.6% | 6.75% | #24 |
| 2025 | 981 | 515 | 16.1% | 6.50% | #25 |
What Navy Federal Credit Union lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 215 | 122 | 30 | 14.0% |
| Sedgwick County | 145 | 79 | 22 | 15.2% |
| Geary County | 83 | 40 | 13 | 15.7% |
| Leavenworth County | 75 | 42 | 11 | 14.7% |
| Shawnee County | 59 | 31 | 11 | 18.6% |
| Riley County | 48 | 24 | 6 | 12.5% |
| Wyandotte County | 46 | 17 | 12 | 26.1% |
| Pottawatomie County | 34 | 21 | 5 | 14.7% |
| Butler County | 31 | 17 | 7 | 22.6% |
| Douglas County | 29 | 16 | 3 | 10.3% |
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: 981 applications in 2025, of which 515 were originated and 158 denied.
16.1% of all applications, or 23.1% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Navy Federal Credit Union originated in Kansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Navy Federal Credit Union'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