The Central Trust Bank in Kansas vs the state
10.7%Denial rate-4.31 pts vs state
14.0%Decision denial rate-4.24 pts vs state
65.3%Origination rate+1.43 pts vs state
6.49%Median rate-0.13 pts vs state
0.17Rate spread (pts)-0.13 pts vs state
$107kMedian applicant income
353Loans originated
58Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 527 | 358 | 14.8% | 6.99% | #36 |
| 2024 | 507 | 344 | 14.4% | 6.63% | #48 |
| 2025 | 541 | 353 | 10.7% | 6.49% | #50 |
What The Central Trust Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 283 | 180 | 32 | 11.3% |
| Wyandotte County | 88 | 61 | 6 | 6.8% |
| Douglas County | 71 | 40 | 14 | 19.7% |
| Sedgwick County | 30 | 24 | 1 | 3.3% |
| Leavenworth County | 18 | 12 | 0 | 0.0% |
| Miami County | 10 | 9 | 0 | 0.0% |
| Franklin County | 9 | 6 | 2 | 22.2% |
| Butler County | 7 | 3 | 0 | 0.0% |
| Shawnee County | 5 | 2 | 1 | 20.0% |
| Mitchell County | 2 | 1 | 1 | 50.0% |
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: 541 applications in 2025, of which 353 were originated and 58 denied.
10.7% of all applications, or 14.0% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans The Central Trust Bank originated in Kansas in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are The Central Trust 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