Zippy Loans in Kansas vs the state
29.9%Denial rate+14.88 pts vs state
50.9%Decision denial rate+32.58 pts vs state
28.2%Origination rate-35.60 pts vs state
8.00%Median rate+1.38 pts vs state
0.03Rate spread (pts)-0.27 pts vs state
$48kMedian applicant income
335Loans originated
355Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 224 | 53 | 34.4% | 10.25% | #87 |
| 2025 | 1,187 | 335 | 29.9% | 8.00% | #16 |
What Zippy Loans lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 338 | 108 | 97 | 28.7% |
| Wyandotte County | 202 | 64 | 57 | 28.2% |
| Shawnee County | 154 | 50 | 43 | 27.9% |
| Riley County | 100 | 41 | 28 | 28.0% |
| Douglas County | 79 | 19 | 30 | 38.0% |
| Johnson County | 78 | 32 | 16 | 20.5% |
| Saline County | 22 | 10 | 4 | 18.2% |
| Lyon County | 9 | 0 | 3 | 33.3% |
| Doniphan County | 8 | 2 | 3 | 37.5% |
| Leavenworth County | 6 | 4 | 1 | 16.7% |
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% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 1,187 applications in 2025, of which 335 were originated and 355 denied.
29.9% of all applications, or 50.9% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Zippy Loans originated in Kansas in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Zippy Loans'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