West Gate Bank in Kansas vs the state
10.5%Denial rate-4.50 pts vs state
10.8%Decision denial rate-7.47 pts vs state
81.6%Origination rate+17.76 pts vs state
6.00%Median rate-0.63 pts vs state
-0.07Rate spread (pts)-0.37 pts vs state
$87kMedian applicant income
31Loans originated
4Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 17 | 5.6% | 6.13% | #287 |
| 2024 | 12 | 11 | 8.3% | 6.63% | #319 |
| 2025 | 38 | 31 | 10.5% | 6.00% | #249 |
What West Gate Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most West Gate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saline County | 8 | 8 | 0 | 0.0% |
| Riley County | 7 | 4 | 2 | 28.6% |
| Geary County | 6 | 5 | 1 | 16.7% |
| Sedgwick County | 4 | 4 | 0 | 0.0% |
| Republic County | 2 | 2 | 0 | 0.0% |
| Pottawatomie County | 2 | 2 | 0 | 0.0% |
| Phillips County | 2 | 1 | 1 | 50.0% |
| Wyandotte County | 1 | 0 | 0 | 0.0% |
| Johnson County | 1 | 1 | 0 | 0.0% |
| Marshall 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: 38 applications in 2025, of which 31 were originated and 4 denied.
10.5% of all applications, or 10.8% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans West Gate Bank originated in Kansas in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are West Gate 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