Kansas’s FHA denial rate in 2025 was 22.6% across 9,144 decisioned applications — ranking #23 of 52 states. Among high-volume lenders, the lowest observed denial rate was Flat Branch Mortgage, Inc. at 0.9%; the highest was Amerisave Mortgage Company at 73.6%. The institutional spread inside Kansas is 81.8×: the same FHA application faces a 0.9% observed denial rate at one high-volume door and 73.6% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Kansas FHA apps | Denial rate |
|---|---|---|
| Flat Branch Mortgage, Inc. | 327 | 0.9% |
| Fairway Independent Mort Corp | 299 | 4.0% |
| Guild Mortgage Company | 330 | 4.8% |
| Mortgage Investment Services Cor | 158 | 12.0% |
| Planet Home Lending, LLC | 182 | 12.6% |
| Members Mortgage Services, LLC | 184 | 14.1% |
| Pennymac Loan Services LLC | 465 | 19.8% |
| Freedom Mortgage Corporation | 397 | 20.9% |
| United Wholesale Mortgage | 512 | 21.9% |
| Rocket Mortgage | 1,125 | 30.0% |
| New American Funding, LLC. | 213 | 41.3% |
| Loandepot.Com LLC | 224 | 43.8% |
| Newrez LLC | 151 | 50.3% |
| Carrington Mortgage Services LLC | 127 | 63.8% |
| Amerisave Mortgage Company | 288 | 73.6% |
Applications under $150K were denied 33.0% of the time versus 16.2% for loans of $250K+ — a 2.0× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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