Panhandle Federal Credit Union in Kansas vs the state
15.0%Denial rate-0.03 pts vs state
15.0%Decision denial rate-3.28 pts vs state
85.0%Origination rate+21.18 pts vs state
6.94%Median rate+0.32 pts vs state
—Rate spread (pts)
$94kMedian applicant income
17Loans originated
3Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 35 | 10.3% | 5.59% | #222 |
| 2024 | 20 | 19 | 5.0% | 6.74% | #281 |
| 2025 | 20 | 17 | 15.0% | 6.94% | #300 |
What Panhandle Federal Credit Union lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Panhandle Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sumner County | 16 | 13 | 3 | 18.8% |
| Cowley County | 3 | 3 | 0 | 0.0% |
| Chautauqua County | 1 | 1 | 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: 20 applications in 2025, of which 17 were originated and 3 denied.
15.0% of all applications, or 15.0% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Panhandle Federal Credit Union originated in Kansas in 2025 was 6.94%, against a statewide median of 6.63%.
About this data. Figures are Panhandle 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