KS StateBank mortgage approval rate & lending review
KS StateBank decided 499 mortgage applications and funded 453 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions KS StateBank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
KS StateBank at a glance
Approval is 14.8 points above the 81.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 88% | 28 / 32 | 93% | $305K | 26 |
| Refinance | 92% | 23 / 25 | 91% | $715K | 21 |
| Investment property purchase | 98% | 258 / 263 | 94% | $95K | 243 |
| Investment refinance | 97% | 141 / 146 | 95% | $105K | 134 |
KS StateBank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 99% | $95K | 231 | 216 |
| Arizona | 93% | $395K | 149 | 136 |
| Missouri | 99% | $115K | 71 | 59 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where KS StateBank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sedgwick County, KS | Investment property purchase | 98% | 130 | 121 |
| Sedgwick County, KS | Investment refinance | 98% | 65 | 61 |
| Jackson County, MO | Investment property purchase | 100% | 51 | 45 |
| Maricopa County, AZ | Investment refinance | 93% | 43 | 39 |
The county markets where KS StateBank made the most loans. Each link opens that market with every lender ranked.
Questions about KS StateBank
What is KS StateBank's mortgage approval rate?
KS StateBank approved 96.4% of the 499 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.8 points above the 81.6% national rate for the same mix of loan types.
How often do borrowers take the loan KS StateBank offers?
Borrowers accepted 94% of the loans KS StateBank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does KS StateBank make?
The typical investment property mortgage loan KS StateBank made was $95K; across all loan types its typical loan ran from $95K to $715K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does KS StateBank lend?
KS StateBank decided applications in 18 of the states Fat Boy Data covers, most of them in Kansas, Arizona and Missouri.
Can I apply to KS StateBank directly?
Yes. KS StateBank is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show KS StateBank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how KS StateBank treats applications, then get a rate quote from the lender.