Flat Branch Mortgage, Inc. denied 1.8% of its 4,179 decisioned FHA applications in 2025 — rank #99 of the 100 largest FHA lenders, below the national rate of 21.7%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.
Median rate on originated FHA purchase loans in 2025: 6.5%; median spread vs APOR: 0.689 (3,787 originations). Odds and price for all 60 largest doors: rates vs denial.
| State | FHA apps | Denial rate |
|---|---|---|
| MO | 1,776 | 1.5% |
| OK | 627 | 1.9% |
| AR | 437 | 0.7% |
| KS | 327 | 0.9% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. Flat Branch Mortgage, Inc. did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.