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Bendena State Bank

Bendena, KS

Bendena State Bank processed 41 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 37 loans with a 4.9% denial rate. Refinancing was the primary loan purpose. Based in Bendena, KS. The approval rate of 90.2% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Bendena State Bank's 90.2% origination rate tells you how often an application turned into funded money; the 4.9% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (41 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

41
Applications
37
Originated
4.9%
Denial Rate
$95,244
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 41 37 2 $95,244

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Bendena State Bank (LEI: 2549003L98A6Z3YX9T46) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Refinancing 13 13 $91,923
Home Purchase 13 11 $105,769
Cash-out Refinancing 10 9 $90,000
Other 5 4 $87,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White * 38 89.5% 5.3%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino * 38 89.5% 5.3%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in KS

Other HMDA-reporting lenders in KS with similar activity. Compare any two side-by-side.

Communityamerica Credit Union

LENEXA, KS

9,380 apps 6,246 originated 15.0% denied

Leaderone Financial CORP.

OVERLAND PARK, KS

6,935 apps 4,570 originated 7.7% denied

Farmers Bank & Trust

GREAT BEND, KS

2,656 apps 1,284 originated 8.0% denied

Capitol Federal Savings Bank

Lawrence, KS

2,539 apps 1,705 originated 9.7% denied

Armed Forces Bank, N.A.

Leavenworth, KS

2,058 apps 1,191 originated 11.5% denied
Compare Bendena State Bank vs Communityamerica Credit Union →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Bendena State Bank process?
Bendena State Bank processed 41 mortgage applications in the 2024 HMDA reporting year. Of these, 37 were originated (approved and funded), 1 were withdrawn by the applicant, and 2 were denied.
What is Bendena State Bank's mortgage approval rate?
Bendena State Bank has an approval (origination) rate of 90.2%, meaning 90.2% of all applications resulted in a funded mortgage. The denial rate is 4.9%.
What is the average loan amount at Bendena State Bank?
The average mortgage loan amount at Bendena State Bank is $95,244.
What types of mortgage loans does Bendena State Bank offer?
Bendena State Bank processes Conventional loans. The most common type is Conventional with 41 applications and an average loan amount of $95,244.
What loan purposes does Bendena State Bank serve?
Bendena State Bank serves the following loan purposes: Refinancing (13 applications), Home Purchase (13 applications), Cash-out Refinancing (10 applications), Other (5 applications). Refinancing is the most common purpose.
Where is Bendena State Bank located?
Bendena State Bank is headquartered in Bendena, KS. The lender is identified by LEI 2549003L98A6Z3YX9T46 in HMDA data.
How does Bendena State Bank compare in lending across racial demographics?
Bendena State Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 89.5% and denial rate of 5.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.