U.S. Bank in Kansas vs the state
31.4%Denial rate+16.39 pts vs state
37.7%Decision denial rate+19.46 pts vs state
50.3%Origination rate-13.49 pts vs state
7.28%Median rate+0.65 pts vs state
0.77Rate spread (pts)+0.47 pts vs state
$105kMedian applicant income
772Loans originated
482Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,504 | 738 | 37.2% | 7.88% | #10 |
| 2024 | 1,472 | 748 | 32.0% | 8.13% | #11 |
| 2025 | 1,534 | 772 | 31.4% | 7.28% | #10 |
What U.S. Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 601 | 338 | 154 | 25.6% |
| Shawnee County | 204 | 102 | 72 | 35.3% |
| Wyandotte County | 173 | 73 | 66 | 38.2% |
| Sedgwick County | 124 | 61 | 44 | 35.5% |
| Douglas County | 95 | 47 | 31 | 32.6% |
| Leavenworth County | 37 | 17 | 11 | 29.7% |
| Miami County | 23 | 11 | 5 | 21.7% |
| Doniphan County | 20 | 15 | 2 | 10.0% |
| Crawford County | 20 | 10 | 7 | 35.0% |
| Franklin County | 15 | 6 | 4 | 26.7% |
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% |
| Freedom Mortgage | B | 1,491 | 8.6% | 6.25% |
Frequently asked questions
Kansas: 1,534 applications in 2025, of which 772 were originated and 482 denied.
31.4% of all applications, or 37.7% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans U.S. Bank originated in Kansas in 2025 was 7.28%, against a statewide median of 6.63%.
About this data. Figures are U.S. 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