Flagstar Bank in Kansas vs the state
34.6%Denial rate+19.52 pts vs state
38.8%Decision denial rate+20.50 pts vs state
53.6%Origination rate-10.18 pts vs state
6.63%Median rate0.00 pts vs state
0.13Rate spread (pts)-0.17 pts vs state
$104kMedian applicant income
59Loans originated
38Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 491 | 297 | 21.4% | 7.00% | #41 |
| 2024 | 499 | 343 | 17.2% | 6.63% | #49 |
| 2025 | 110 | 59 | 34.6% | 6.63% | #157 |
What Flagstar Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Flagstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 38 | 21 | 12 | 31.6% |
| Sedgwick County | 26 | 16 | 8 | 30.8% |
| Butler County | 6 | 2 | 4 | 66.7% |
| Shawnee County | 5 | 1 | 3 | 60.0% |
| Leavenworth County | 5 | 4 | 1 | 20.0% |
| Marshall County | 3 | 1 | 1 | 33.3% |
| Douglas County | 2 | 0 | 1 | 50.0% |
| Nemaha County | 2 | 1 | 1 | 50.0% |
| Riley County | 2 | 2 | 0 | 0.0% |
| Anderson County | 1 | 0 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 110 applications in 2025, of which 59 were originated and 38 denied.
34.6% of all applications, or 38.8% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Flagstar Bank originated in Kansas in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Flagstar Bank's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology