Southern Bank in Kansas vs the state
12.5%Denial rate-2.53 pts vs state
12.5%Decision denial rate-5.78 pts vs state
87.5%Origination rate+23.68 pts vs state
7.25%Median rate+0.63 pts vs state
0.28Rate spread (pts)-0.02 pts vs state
$120kMedian applicant income
7Loans originated
1Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 9 | 0.0% | 8.50% | #326 |
| 2024 | 9 | 6 | 22.2% | 8.56% | #351 |
| 2025 | 8 | 7 | 12.5% | 7.25% | #376 |
What Southern Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Southern Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 5 | 4 | 1 | 20.0% |
| Atchison County | 1 | 1 | 0 | 0.0% |
| Doniphan County | 1 | 1 | 0 | 0.0% |
| Crawford 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: 8 applications in 2025, of which 7 were originated and 1 denied.
12.5% of all applications, or 12.5% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Southern Bank originated in Kansas in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Southern 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