Royal United Mortgage in Kansas vs the state
27.5%Denial rate+12.42 pts vs state
31.3%Decision denial rate+13.06 pts vs state
58.8%Origination rate-5.00 pts vs state
6.88%Median rate+0.25 pts vs state
1.04Rate spread (pts)+0.74 pts vs state
$43kMedian applicant income
90Loans originated
42Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 136 | 78 | 30.9% | 7.13% | #108 |
| 2024 | 143 | 93 | 23.8% | 6.88% | #121 |
| 2025 | 153 | 90 | 27.5% | 6.88% | #125 |
What Royal United Mortgage lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 20 | 14 | 5 | 25.0% |
| Shawnee County | 19 | 10 | 4 | 21.1% |
| Wyandotte County | 9 | 5 | 3 | 33.3% |
| Cowley County | 5 | 4 | 1 | 20.0% |
| Sumner County | 4 | 4 | 0 | 0.0% |
| Reno County | 4 | 3 | 1 | 25.0% |
| Johnson County | 4 | 4 | 0 | 0.0% |
| Clay County | 4 | 3 | 0 | 0.0% |
| Cherokee County | 4 | 0 | 2 | 50.0% |
| Butler 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: 153 applications in 2025, of which 90 were originated and 42 denied.
27.5% of all applications, or 31.3% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Royal United Mortgage originated in Kansas in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Royal United Mortgage'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