Union State Bank in Kansas vs the state
5.6%Denial rate-9.40 pts vs state
6.1%Decision denial rate-12.20 pts vs state
85.6%Origination rate+21.81 pts vs state
—Median rate
—Rate spread (pts)
$92kMedian applicant income
137Loans originated
9Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 183 | 158 | 2.7% | — | #90 |
| 2024 | 164 | 142 | 6.1% | — | #107 |
| 2025 | 160 | 137 | 5.6% | — | #121 |
What Union State Bank lends in Kansas
By loan purpose
By loan type
Where in Kansas
Counties with the most Union State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 58 | 55 | 1 | 1.7% |
| Cowley County | 46 | 35 | 6 | 13.0% |
| Harvey County | 36 | 28 | 1 | 2.8% |
| Butler County | 6 | 6 | 0 | 0.0% |
| Sumner County | 4 | 3 | 1 | 25.0% |
| Douglas County | 2 | 2 | 0 | 0.0% |
| McPherson County | 2 | 2 | 0 | 0.0% |
| Kingman County | 2 | 2 | 0 | 0.0% |
| Reno County | 1 | 1 | 0 | 0.0% |
| Dickinson 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: 160 applications in 2025, of which 137 were originated and 9 denied.
5.6% of all applications, or 6.1% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Union State 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