Sofi Bank in Kansas vs the state
9.0%Denial rate-6.02 pts vs state
19.3%Decision denial rate+1.04 pts vs state
37.2%Origination rate-26.66 pts vs state
7.62%Median rate+1.00 pts vs state
1.57Rate spread (pts)+1.27 pts vs state
$119kMedian applicant income
165Loans originated
40Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 41 | 15.3% | 6.88% | #174 |
| 2024 | 136 | 52 | 20.6% | 6.81% | #126 |
| 2025 | 444 | 165 | 9.0% | 7.62% | #59 |
What Sofi Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Sofi Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 166 | 70 | 13 | 7.8% |
| Sedgwick County | 77 | 31 | 4 | 5.2% |
| Shawnee County | 35 | 10 | 4 | 11.4% |
| Wyandotte County | 22 | 5 | 3 | 13.6% |
| Butler County | 15 | 4 | 2 | 13.3% |
| Leavenworth County | 13 | 5 | 1 | 7.7% |
| Douglas County | 11 | 3 | 2 | 18.2% |
| Riley County | 11 | 5 | 0 | 0.0% |
| Jefferson County | 6 | 2 | 0 | 0.0% |
| Pottawatomie County | 6 | 4 | 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: 444 applications in 2025, of which 165 were originated and 40 denied.
9.0% of all applications, or 19.3% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Sofi Bank originated in Kansas in 2025 was 7.62%, against a statewide median of 6.63%.
About this data. Figures are Sofi 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