Flat Branch Mortgage in Kansas vs the state
0.6%Denial rate-14.48 pts vs state
0.6%Decision denial rate-17.64 pts vs state
83.6%Origination rate+19.75 pts vs state
6.63%Median rate0.00 pts vs state
0.41Rate spread (pts)+0.11 pts vs state
$76kMedian applicant income
1,216Loans originated
8Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,509 | 1,212 | 2.1% | 6.75% | #9 |
| 2024 | 1,833 | 1,543 | 1.3% | 6.63% | #6 |
| 2025 | 1,455 | 1,216 | 0.6% | 6.63% | #12 |
What Flat Branch Mortgage lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Flat Branch Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shawnee County | 292 | 245 | 3 | 1.0% |
| Sedgwick County | 216 | 181 | 1 | 0.5% |
| Johnson County | 179 | 159 | 0 | 0.0% |
| Crawford County | 171 | 133 | 2 | 1.2% |
| Cherokee County | 136 | 116 | 0 | 0.0% |
| Labette County | 67 | 56 | 0 | 0.0% |
| Montgomery County | 49 | 46 | 0 | 0.0% |
| McPherson County | 49 | 44 | 0 | 0.0% |
| Wyandotte County | 31 | 26 | 0 | 0.0% |
| Osage County | 20 | 16 | 1 | 5.0% |
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: 1,455 applications in 2025, of which 1,216 were originated and 8 denied.
0.6% of all applications, or 0.6% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Flat Branch Mortgage originated in Kansas in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Flat Branch Mortgage'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