United Bank & Trust in Kansas vs the state
13.7%Denial rate-1.36 pts vs state
14.5%Decision denial rate-3.78 pts vs state
80.6%Origination rate+16.76 pts vs state
—Median rate
—Rate spread (pts)
$90kMedian applicant income
112Loans originated
19Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 124 | 107 | 5.7% | — | #121 |
| 2024 | 120 | 102 | 5.0% | — | #136 |
| 2025 | 139 | 112 | 13.7% | — | #134 |
What United Bank & Trust lends in Kansas
By loan purpose
By loan type
Where in Kansas
Counties with the most United Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nemaha County | 54 | 45 | 5 | 9.3% |
| Washington County | 20 | 16 | 3 | 15.0% |
| Cloud County | 19 | 16 | 3 | 15.8% |
| Marshall County | 17 | 11 | 5 | 29.4% |
| Clay County | 12 | 9 | 2 | 16.7% |
| Republic County | 4 | 4 | 0 | 0.0% |
| Riley County | 2 | 2 | 0 | 0.0% |
| Brown County | 2 | 2 | 0 | 0.0% |
| Wyandotte County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 0 | 1 | 100.0% |
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: 139 applications in 2025, of which 112 were originated and 19 denied.
13.7% of all applications, or 14.5% 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 United Bank & 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