Union Bank and Trust in Kansas vs the state
15.1%Denial rate+0.06 pts vs state
17.0%Decision denial rate-1.26 pts vs state
66.0%Origination rate+2.22 pts vs state
6.50%Median rate-0.13 pts vs state
-0.71Rate spread (pts)-1.01 pts vs state
$122kMedian applicant income
35Loans originated
8Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 24 | 18.4% | 6.63% | #226 |
| 2024 | 50 | 33 | 18.0% | 6.99% | #205 |
| 2025 | 53 | 35 | 15.1% | 6.50% | #221 |
What Union Bank and Trust lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Union Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wyandotte County | 18 | 12 | 3 | 16.7% |
| Johnson County | 16 | 14 | 1 | 6.3% |
| Leavenworth County | 11 | 5 | 2 | 18.2% |
| Sedgwick County | 2 | 1 | 0 | 0.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Labette County | 1 | 0 | 1 | 100.0% |
| Shawnee County | 1 | 1 | 0 | 0.0% |
| Miami County | 1 | 1 | 0 | 0.0% |
| Nemaha County | 1 | 0 | 1 | 100.0% |
| Pottawatomie 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: 53 applications in 2025, of which 35 were originated and 8 denied.
15.1% of all applications, or 17.0% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Union Bank and Trust originated in Kansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Union Bank and Trust'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