Union Home Mortgage in Kansas vs the state
9.2%Denial rate-5.83 pts vs state
11.1%Decision denial rate-7.14 pts vs state
71.2%Origination rate+7.37 pts vs state
6.50%Median rate-0.13 pts vs state
0.26Rate spread (pts)-0.03 pts vs state
$102kMedian applicant income
294Loans originated
38Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 98 | 73 | 7.1% | 6.75% | #146 |
| 2024 | 240 | 165 | 6.7% | 6.63% | #81 |
| 2025 | 413 | 294 | 9.2% | 6.50% | #62 |
What Union Home Mortgage lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 142 | 105 | 8 | 5.6% |
| Sedgwick County | 75 | 52 | 9 | 12.0% |
| Wyandotte County | 27 | 21 | 0 | 0.0% |
| Reno County | 27 | 18 | 4 | 14.8% |
| Butler County | 19 | 10 | 5 | 26.3% |
| Shawnee County | 16 | 14 | 1 | 6.3% |
| Leavenworth County | 16 | 14 | 0 | 0.0% |
| Douglas County | 9 | 7 | 0 | 0.0% |
| Franklin County | 8 | 7 | 0 | 0.0% |
| Cowley County | 6 | 1 | 3 | 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: 413 applications in 2025, of which 294 were originated and 38 denied.
9.2% of all applications, or 11.1% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Union Home Mortgage originated in Kansas in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Union Home Mortgage'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