OCMBC in Kansas vs the state
11.6%Denial rate-3.40 pts vs state
15.9%Decision denial rate-2.41 pts vs state
53.5%Origination rate-10.33 pts vs state
7.44%Median rate+0.81 pts vs state
1.23Rate spread (pts)+0.93 pts vs state
$167kMedian applicant income
46Loans originated
10Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 17 | 19.4% | 8.25% | #240 |
| 2024 | 57 | 26 | 17.5% | 8.19% | #196 |
| 2025 | 86 | 46 | 11.6% | 7.44% | #179 |
What OCMBC lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wyandotte County | 27 | 15 | 5 | 18.5% |
| Sedgwick County | 25 | 11 | 0 | 0.0% |
| Johnson County | 18 | 12 | 4 | 22.2% |
| Douglas County | 2 | 0 | 0 | 0.0% |
| Shawnee County | 2 | 0 | 0 | 0.0% |
| Leavenworth County | 2 | 1 | 1 | 50.0% |
| Dickinson County | 1 | 1 | 0 | 0.0% |
| Miami County | 1 | 1 | 0 | 0.0% |
| Riley County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 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: 86 applications in 2025, of which 46 were originated and 10 denied.
11.6% of all applications, or 15.9% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans OCMBC originated in Kansas in 2025 was 7.44%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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