Bank of the Flint Hills at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
66th6.2% deniedProcesswithdrawn + incomplete share, weight 15%
53rd11.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 136 | 131 | 3.7% | 3.7% | 7.00% | $29M |
| 2024 | 183 | 168 | 8.2% | 8.2% | 7.00% | $41M |
| 2025 | 219 | 183 | 5.5% | 6.2% | — | $49M |
What Bank of the Flint Hills lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 61 investment properties.
Who gets approved at Bank of the Flint Hills
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 14 | 22.2% |
| $50k – $100k | 67 | 53 | 7.0% |
| $100k – $150k | 23 | 18 | 10.0% |
| $150k – $250k | 31 | 23 | 8.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 25 | 19 | 13.6% |
| 25–34 | 47 | 37 | 5.1% |
| 35–44 | 35 | 28 | 0.0% |
| 45–54 | 43 | 32 | 15.8% |
| 55–64 | 21 | 19 | 5.0% |
Where Bank of the Flint Hills lends
3 states and 20 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Bank of the Flint Hills denied 6.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 66th percentile of small mortgage lenders.
In 2025, 49% of its applications were for home purchases, 50% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.