Landmark National Bank
MANHATTAN, KS
Landmark National Bank processed 881 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 700 loans with a 4.0% denial rate. Home Purchase was the primary loan purpose. Based in MANHATTAN, KS. The approval rate of 79.5% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. Landmark National Bank processed 881 HMDA-reported mortgage applications in 2024, originating 700 loans and denying 35 for a denial rate of 4.0% (applicants themselves withdrew 138 files before a decision). The average loan amount was $232,775 at a 6.584% average note rate, and applicants self-reported an average income of $34,000. The lender reports under LEI 8AI385EP1ZJCMUOZ8022 from MANHATTAN, KS.
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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Landmark National Bank's 79.5% origination rate tells you how often an application turned into funded money; the 4.0% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Employment history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (691 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.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 691 | 556 | 21 | $244,233 |
| USDA | 68 | 54 | 5 | $143,088 |
| VA | 61 | 39 | 2 | $233,852 |
| FHA | 61 | 51 | 7 | $201,885 |
Top loan types — Landmark National Bank
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Landmark National Bank (LEI: 8AI385EP1ZJCMUOZ8022) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Denial Analysis
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 770 | 626 | $234,026 |
| Cash-out Refinancing | 47 | 27 | $174,574 |
| Refinancing | 39 | 26 | $299,359 |
| Other | 13 | 9 | $114,231 |
| Home Improvement | 12 | 12 | $292,500 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 739 | 79.0% | 4.3% |
| Joint | 21 | 66.7% | 0.0% |
| Black or African American | 10 | 60.0% | 10.0% |
| Asian | 8 | 75.0% | 0.0% |
| American Indian or Alaska Native | 7 | 71.4% | 0.0% |
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 | 618 | 77.8% | 4.4% |
| Hispanic or Latino | 116 | 82.8% | 2.6% |
| Joint | 24 | 83.3% | 0.0% |
Nearby Lenders in KS
Other HMDA-reporting lenders in KS with similar activity. Compare any two side-by-side.
COMMUNITYAMERICA CREDIT UNION
LENEXA, KS
LEADERONE FINANCIAL CORP.
OVERLAND PARK, KS
FARMERS BANK & TRUST
GREAT BEND, KS
Capitol Federal Savings Bank
Lawrence, KS
Armed Forces Bank, N.A.
Leavenworth, KS
Mortgage Lending Guides
Frequently Asked Questions
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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.