KS State Bank: 2025 loan data

KS State Bank's 2025 at a glance, from the public report every mortgage lender files each year.

Filed as KS StateBank

Home loans closed313Loans it funded in 2025
Approval rate96.3%Of applications it said yes or no to

These describe the lender's past loans. They are not a quote or a promise for your loan.

How these numbers are counted

Reported application outcomes and pricing, 2025

Filed asKS StateBank
2025 home loan decisionsOf 352 applications decided by KS StateBank in 2025, 313 were originated, 26 were approved but not accepted by the borrower, and 13 were denied.
Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 96.3%. Withdrawn, incomplete and purchased loans are not counted.
Withdrawn, incomplete and purchasedBeyond the decisions above, 15 applications were withdrawn by the borrower, 0 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
Median rate spread0.575 percentage points above the average prime offer rate (reported on 58 originations, 255 reported no spread at all — a median of what was reported, not of everything originated)

These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.

Reported product mix, 2025

Loan types313 Conventional — of 313 reported originations, 2025. FFIEC HMDA data browser.

Evidence read November 11, 2026

Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for KS StateBank — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.

Back to KS State Bank

Mortgage and Home Equity Calculators

Estimate a payment before you talk to a lender. Each explains its math.

Mortgage Calculator Principal and interest from a loan amount, a rate and a term.

Mortgage Payment Calculator Principal and interest plus taxes, insurance, PMI and HOA, explained.

Home Equity Loan Calculator How much equity you can borrow, and the fixed monthly payment.

HELOC Calculator Your credit line, and the payment jump when repayment begins.

DSCR Calculator Whether your rent covers the monthly payment, and lender minimums.

Mortgage Guides and Answers

The questions rate shoppers ask, and the explainers that go with them.

FAQ Answers to common mortgage and home equity questions, grouped by topic.

Blogs Longer explainers on buying, refinancing and borrowing against equity.

Is a Lender Legitimate? Check a company or loan officer in the free NMLS lookup.

Direct Lender or Broker? Who actually underwrites and funds your loan, and how to ask.

FreeRateUpdate Rates & Data

The rate and market data we publish, including figures measured from our own lender network and the consumers who shop rates here.

Mortgage Rate Archive Our archive of dated mortgage rate write-ups.

As Low As Rates The best verified rate in our network, against the Freddie Mac average.

As Low As Rates History The same verified network rates, tracked over time.

Rate vs. Treasury Spread The 30-year fixed average against the 10-year Treasury yield.

Median Home Values What consumers shopping rates here report their homes are worth.

FreeRateUpdate Score Methodology The five factors behind the FreeRateUpdate Score, and their weights.

U.S. HELOC Market Volume Total U.S. home-equity balances outstanding, 2009 to 2025.

U.S. Refinance Application Volume Refinance application activity from the MBA index, 2009 to 2025.