VALLEY STATE BANK
VALLEY STATE BANK received 84 applications in 2025 and made 45 mortgages, in 9 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $125,000. Of 59 decisions, 11 were denials — 18.6%.
| Legal Entity Identifier | 21380055IMHX3N5UL146 |
|---|---|
| Applications received | 84 |
| Mortgages made | 45 |
| Denied | 11 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 25 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Valley State Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 22 | Not published | $135,000 | 7.7% |
| Refinancing | 19 | Not published | $105,000 | 20.0% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 50.0% |
Where VALLEY STATE BANK lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sedgwick County, KS | 35 | Not published | 15.6% |
| Sumner County, KS | 5 | Under 10 loans | 28.6% |
| Reno County, KS | 2 | Under 10 loans | 0.0% |
| Cowley County, KS | 1 | Under 10 loans | 50.0% |
| Harvey County, KS | 1 | Under 10 loans | 50.0% |
| Payne County, OK | 1 | Under 10 loans | 0.0% |
| Butler County, KS | 0 | Under 10 loans | Not published |
| Douglas County, KS | 0 | Under 10 loans | Not published |
| Saline County, KS | 0 | Under 10 loans | Not published |
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When VALLEY STATE BANK’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.