NBKC Bank in Kansas vs the state
7.1%Denial rate-7.98 pts vs state
9.0%Decision denial rate-9.25 pts vs state
70.5%Origination rate+6.67 pts vs state
6.38%Median rate-0.25 pts vs state
-0.08Rate spread (pts)-0.38 pts vs state
$136kMedian applicant income
430Loans originated
43Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 412 | 304 | 7.3% | 6.63% | #54 |
| 2024 | 544 | 396 | 8.1% | 6.49% | #44 |
| 2025 | 610 | 430 | 7.1% | 6.38% | #40 |
What NBKC Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 420 | 295 | 27 | 6.4% |
| Sedgwick County | 38 | 26 | 4 | 10.5% |
| Wyandotte County | 30 | 19 | 6 | 20.0% |
| Leavenworth County | 28 | 24 | 0 | 0.0% |
| Shawnee County | 20 | 13 | 2 | 10.0% |
| Douglas County | 16 | 12 | 2 | 12.5% |
| Miami County | 11 | 8 | 1 | 9.1% |
| Riley County | 6 | 5 | 0 | 0.0% |
| Osage County | 5 | 2 | 0 | 0.0% |
| Butler County | 5 | 5 | 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: 610 applications in 2025, of which 430 were originated and 43 denied.
7.1% of all applications, or 9.0% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans NBKC Bank originated in Kansas in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are NBKC Bank'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