Lenders › Flat Branch Mortgage, Inc. › Kansas
Flat Branch Mortgage, Inc. in Kansas
HMDA record for properties in Kansas, calendar year 2024. National record · Kansas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Kansas, Flat Branch Mortgage, Inc. reported 1,833 applications and 1,543 originations for 2024, $310m in all.
Its denial rate in the state was 1.5%, below the Kansas rate of 19.2% across all lenders and compared with the lender's national rate of 1.8%.
The median rate spread on its Kansas originations was 0.5 percentage points (state median 0.4).
Applications in the state were up 21% on 2023.
Compared with the state and the lender's national record
| Measure | In Kansas | Kansas, all lenders | Flat Branch Mortgage, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 1.5% | 19.2% | 1.8% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.5% | 14.2% | 4.2% | 15.6% |
| Average originated loan | $201k | $242k | $227k | $329k |
| Home purchase share | 94.9% | 58.5% | 92.4% | 57.0% |
| FHA-insured share | 22.2% | 11.3% | 24.1% | 13.4% |
| VA-guaranteed share | 8.9% | 9.3% | 10.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKansas, all lenders
Loan purpose and loan type in Kansas
By purpose
Home purchase 95% (1,464)Home improvement 1% (8)Refinancing 2% (35)Cash-out refinancing 2% (36)
By type
Conventional 58% (902)FHA 22% (342)VA 9% (138)USDA 10% (161)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Kansas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 441 | 356 | $74m | 2.7% |
| Shawnee County | 257 | 236 | $47m | 0.8% |
| Johnson County | 168 | 141 | $49m | 1.4% |
| Crawford County | 152 | 126 | $19m | 0.0% |
| Cherokee County | 105 | 86 | $13m | 0.0% |
| Montgomery County | 103 | 82 | $11m | 2.4% |
| McPherson County | 77 | 75 | $13m | 0.0% |
| Butler County | 57 | 48 | $10m | 0.0% |
| Labette County | 57 | 42 | $4.6m | 6.7% |
| Wyandotte County | 44 | 39 | $8.6m | 0.0% |
| Sumner County | 27 | 25 | $4.5m | 0.0% |
| Leavenworth County | 29 | 24 | $6.6m | — |
| Reno County | 27 | 21 | $3.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Flat Branch Mortgage, Inc. originate in Kansas in 2024?
1,543 loans totalling $310m, from 1,833 applications reported for properties in Kansas.
What is Flat Branch Mortgage, Inc.'s denial rate in Kansas?
1.5% of decided applications in Kansas were denied, against 19.2% for all lenders in the state and 1.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kansas counties does Flat Branch Mortgage, Inc. lend in most?
By originations: Sedgwick County (356), Shawnee County (236), Johnson County (141), Crawford County (126), Cherokee County (86).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kansas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.