United Shore Financial Services in Kansas vs the state
11.4%Denial rate-3.64 pts vs state
13.3%Decision denial rate-5.02 pts vs state
72.2%Origination rate+8.40 pts vs state
6.38%Median rate-0.25 pts vs state
0.11Rate spread (pts)-0.19 pts vs state
$93kMedian applicant income
1,838Loans originated
290Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,146 | 913 | 8.9% | 6.76% | #14 |
| 2024 | 1,724 | 1,315 | 10.6% | 6.50% | #9 |
| 2025 | 2,545 | 1,838 | 11.4% | 6.38% | #3 |
What United Shore Financial Services lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 665 | 500 | 59 | 8.9% |
| Sedgwick County | 502 | 373 | 55 | 11.0% |
| Wyandotte County | 264 | 174 | 40 | 15.2% |
| Shawnee County | 174 | 124 | 21 | 12.1% |
| Leavenworth County | 146 | 105 | 18 | 12.3% |
| Riley County | 83 | 69 | 1 | 1.2% |
| Douglas County | 79 | 61 | 7 | 8.9% |
| Geary County | 69 | 52 | 6 | 8.7% |
| Butler County | 66 | 42 | 9 | 13.6% |
| Pottawatomie County | 47 | 34 | 4 | 8.5% |
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% |
| 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% |
| Freedom Mortgage | B | 1,491 | 8.6% | 6.25% |
Frequently asked questions
Kansas: 2,545 applications in 2025, of which 1,838 were originated and 290 denied.
11.4% of all applications, or 13.3% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans United Shore Financial Services originated in Kansas in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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