PlainLender

Leaderone Financial CORP.

OVERLAND PARK, KS

Leaderone Financial CORP. processed 6,935 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 4,570 loans with a 7.7% denial rate. Home Purchase was the primary loan purpose. Based in OVERLAND PARK, KS. The approval rate of 65.9% 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Leaderone Financial CORP.'s 65.9% origination rate tells you how often an application turned into funded money; the 7.7% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Other, Credit application incomplete, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in Conventional loans (4,205 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.

6,935
Applications
4,570
Originated
7.7%
Denial Rate
$289,283
Avg Loan Amount
Avg Interest Rate: 6.503% Avg Applicant Income: $39,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 4,205 2,775 274 $296,729
FHA 2,085 1,333 220 $262,060
VA 504 357 28 $366,250
USDA 141 105 13 $194,645

Top loan types - Leaderone Financial CORP.

Top loan types - Leaderone Financial CORP. Horizontal bar chart of the top 4 items by value (applications). Top loan types - Leaderone Financial CORP. Top 4 1. Conventional 4,205 2. FHA 2,085 3. VA 504 4. USDA 141 Top 5 loan types by application volume at Leaderone Financial CORP. (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Leaderone Financial CORP. (LEI: 5493000NYUJT9UC6G261) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Other
228
Credit application incomplete
178
Debt-to-income ratio
134
Collateral
112
Credit history
68
Unverifiable information
61
Employment history
9

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 5,825 4,048 $286,607
Cash-out Refinancing 638 305 $246,787
Refinancing 472 217 $379,746

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 4,856 69.1% 6.5%
Black or African American 824 53.6% 14.2%
Asian 237 59.1% 8.9%
Joint 180 62.2% 7.2%
American Indian or Alaska Native * 22 68.2% 4.5%
2 or more minority races * 10 90.0% 0.0%
Native Hawaiian or Other Pacific Islander * 6 66.7% 0.0%

* 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 5,143 66.8% 7.4%
Hispanic or Latino 816 65.4% 8.2%
Joint 201 63.7% 7.0%

Nearby Lenders in KS

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

Communityamerica Credit Union

LENEXA, KS

9,380 apps 6,246 originated 15.0% 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

Truhome Solutions, LLC

OVERLAND PARK, KS

2,014 apps 279 originated 7.1% denied
Compare Leaderone Financial CORP. vs Communityamerica Credit Union →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Leaderone Financial CORP. process?
Leaderone Financial CORP. processed 6,935 mortgage applications in the 2024 HMDA reporting year. Of these, 4,570 were originated (approved and funded), 1,540 were withdrawn by the applicant, and 535 were denied.
What is Leaderone Financial CORP.'s mortgage approval rate?
Leaderone Financial CORP. has an approval (origination) rate of 65.9%, meaning 65.9% of all applications resulted in a funded mortgage. The denial rate is 7.7%.
What is the average loan amount at Leaderone Financial CORP.?
The average mortgage loan amount at Leaderone Financial CORP. is $289,283. The average interest rate is 6.503%. The average applicant income is $39,000.
What are the most common reasons for mortgage denial at Leaderone Financial CORP.?
The most common reasons for mortgage denial at Leaderone Financial CORP. are: Other, Credit application incomplete, Debt-to-income ratio. In total, 535 applications were denied out of 6,935 total applications.
What types of mortgage loans does Leaderone Financial CORP. offer?
Leaderone Financial CORP. processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 4,205 applications and an average loan amount of $296,729.
What loan purposes does Leaderone Financial CORP. serve?
Leaderone Financial CORP. serves the following loan purposes: Home Purchase (5,825 applications), Cash-out Refinancing (638 applications), Refinancing (472 applications). Home Purchase is the most common purpose.
Where is Leaderone Financial CORP. located?
Leaderone Financial CORP. is headquartered in OVERLAND PARK, KS. The lender is identified by LEI 5493000NYUJT9UC6G261 in HMDA data.
How does Leaderone Financial CORP. compare in lending across racial demographics?
Leaderone Financial CORP. reports demographic lending data under HMDA requirements. White applicants have an approval rate of 69.1% and denial rate of 6.5%; Black or African American applicants have an approval rate of 53.6% and denial rate of 14.2%; Asian applicants have an approval rate of 59.1% and denial rate of 8.9%. 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.