Spring Eq in Kansas vs the state
49.1%Denial rate+34.07 pts vs state
60.2%Decision denial rate+41.96 pts vs state
30.6%Origination rate-33.20 pts vs state
9.44%Median rate+2.81 pts vs state
3.48Rate spread (pts)+3.18 pts vs state
$111kMedian applicant income
222Loans originated
356Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 482 | 119 | 63.5% | 11.05% | #46 |
| 2024 | 593 | 200 | 51.8% | 9.76% | #39 |
| 2025 | 725 | 222 | 49.1% | 9.44% | #35 |
What Spring Eq lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Spring Eq applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 266 | 80 | 121 | 45.5% |
| Sedgwick County | 122 | 38 | 61 | 50.0% |
| Leavenworth County | 34 | 14 | 16 | 47.1% |
| Wyandotte County | 33 | 11 | 17 | 51.5% |
| Shawnee County | 32 | 8 | 19 | 59.4% |
| Douglas County | 30 | 13 | 10 | 33.3% |
| Miami County | 13 | 5 | 6 | 46.2% |
| Geary County | 12 | 3 | 7 | 58.3% |
| Franklin County | 12 | 3 | 7 | 58.3% |
| Butler County | 11 | 1 | 8 | 72.7% |
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: 725 applications in 2025, of which 222 were originated and 356 denied.
49.1% of all applications, or 60.2% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Spring Eq originated in Kansas in 2025 was 9.44%, against a statewide median of 6.63%.
About this data. Figures are Spring Eq'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