Flat Branch Mortgage Rates, Fees & Info

Columbia, MO

LEI: 549300LXKO1O7CSK5J52

Tax ID: 20-2746596

5 stars - out of 5 stars, based on 141 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Flat Branch Mortgage is a mid-sized mortgage company specializing in Home Purchase and Refi loans. Flat Branch Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets include St. Louis, Kansas City, Springfield, Joplin, and Columbia among others. Flat Branch Mortgage has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Flat Branch Mortgage is typically an average fee lendor.


Originations

19,984

Origination Dollar Volume (All Markets)

$3,732,810,000
Show all (49) awards

Relative Rate

Flat Branch Mortgage 's average 30 year fixed rate mortgage of loans were 3.18%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.03%.

Relative Fees

Flat Branch Mortgage 's average total fees for a 30 year fixed rate mortgage are $3,916.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
ST. LOUIS, MO-IL (FHA|USDA|VA) 2,647 $542,335,000 $204,887 $3,534 3.11%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2,189 $483,395,000 $220,829 $3,678 3.14%
SPRINGFIELD, MO (FHA|USDA|VA) 1,833 $352,675,000 $192,403 $3,100 3.06%
Outside of Metro Areas 1,913 $300,625,000 $157,148 $3,549 3.15%
JOPLIN, MO (FHA|USDA|VA) 1,629 $260,315,000 $159,800 $3,571 3.14%
COLUMBIA, MO (FHA|USDA|VA) 1,228 $247,560,000 $201,596 $3,008 3.04%
TULSA, OK (FHA|USDA|VA) 1,159 $242,375,000 $209,124 $5,076 3.15%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 687 $160,935,000 $234,258 $4,171 3.12%
PEORIA, IL (FHA|USDA|VA) 1,033 $143,625,000 $139,037 $3,497 3.16%
WICHITA, KS (FHA|USDA|VA) 614 $105,540,000 $171,889 $4,182 3.17%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 504 $87,990,000 $174,583 $3,272 3.07%
JEFFERSON CITY, MO (FHA|USDA|VA) 462 $78,030,000 $168,896 $3,422 3.11%
Fort Leonard Wood, MO (FHA|USDA|VA) 424 $77,270,000 $182,241 $5,065 3.04%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 322 $65,260,000 $202,671 $4,989 3.15%
Warrensburg, MO (FHA|USDA|VA) 188 $41,300,000 $219,681 $4,364 3.02%
SPRINGFIELD, IL (FHA|USDA|VA) 266 $40,090,000 $150,714 $3,893 3.10%
Rolla, MO (FHA|USDA|VA) 153 $27,795,000 $181,667 $4,136 3.11%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 126 $23,940,000 $190,000 $3,955 3.12%
Pittsburg, KS (FHA|USDA|VA) 162 $21,110,000 $130,309 $3,742 3.20%
Marshall, MO (FHA|USDA|VA) 162 $18,940,000 $116,914 $3,214 3.21%
Ponca City, OK (FHA|USDA|VA) 123 $15,475,000 $125,813 $4,995 3.18%
Mexico, MO (FHA|USDA|VA) 108 $15,020,000 $139,074 $2,948 3.23%
Lebanon, MO (FHA|USDA|VA) 70 $13,420,000 $191,714 $3,552 3.16%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 84 $13,410,000 $159,643 $3,751 3.16%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 50 $13,250,000 $265,000 $4,397 3.15%
Branson, MO (FHA|USDA|VA) 61 $11,495,000 $188,443 $3,685 3.13%
BLOOMINGTON, IL (FHA|USDA|VA) 65 $11,245,000 $173,000 $3,433 3.00%
Moberly, MO (FHA|USDA|VA) 71 $11,105,000 $156,408 $2,929 3.12%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 28 $10,270,000 $366,786 $8,819 3.04%
OKLAHOMA CITY, OK (FHA|USDA|VA) 47 $9,675,000 $205,851 $4,998 3.20%
TOPEKA, KS (FHA|USDA|VA) 60 $9,560,000 $159,333 $4,344 3.37%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 30 $8,150,000 $271,667 $5,828 3.42%
Muskogee, OK (FHA|USDA|VA) 49 $8,105,000 $165,408 $5,245 3.16%
DANVILLE, IL (FHA|USDA|VA) 72 $7,890,000 $109,583 $3,496 3.14%
McPherson, KS (FHA|USDA|VA) 48 $7,700,000 $160,417 $4,543 3.11%
Sikeston, MO (FHA|USDA|VA) 60 $7,350,000 $122,500 $3,296 3.27%
Sedalia, MO (FHA|USDA|VA) 50 $7,350,000 $147,000 $3,206 3.09%
Kirksville, MO (FHA|USDA|VA) 45 $6,945,000 $154,333 $2,799 3.19%
LAWRENCE, KS (FHA|USDA|VA) 30 $6,440,000 $214,667 $3,401 3.10%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 18 $6,070,000 $337,222 $8,440 3.06%
DECATUR, IL (FHA|USDA|VA) 49 $5,675,000 $115,816 $3,615 3.12%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 14 $5,510,000 $393,571 $4,259 3.03%
Coffeyville, KS (FHA|USDA|VA) 48 $5,420,000 $112,917 $3,463 3.20%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 19 $5,395,000 $283,947 $3,091 2.67%
KANKAKEE, IL (FHA|USDA|VA) 32 $5,340,000 $166,875 $3,338 3.09%
Miami, OK (FHA|USDA|VA) 37 $5,215,000 $140,946 $4,814 3.31%
Parsons, KS (FHA|USDA|VA) 47 $5,075,000 $107,979 $3,455 3.22%
Poplar Bluff, MO (FHA|USDA|VA) 35 $4,755,000 $135,857 $3,585 3.10%
Farmington, MO (FHA|USDA|VA) 30 $4,170,000 $139,000 $3,858 3.14%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 9 $3,535,000 $392,778 $5,242 3.22%
RALEIGH-CARY, NC (FHA|USDA|VA) 10 $3,340,000 $334,000 $9,422 3.23%
Searcy, AR (FHA|USDA|VA) 17 $3,315,000 $195,000 $4,691 3.24%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 8 $3,250,000 $406,250 $3,137 2.76%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 13 $3,175,000 $244,231 $6,025 3.12%
Quincy, IL-MO (FHA|USDA|VA) 20 $2,960,000 $148,000 $3,281 3.26%
Bartlesville, OK (FHA|USDA|VA) 21 $2,955,000 $140,714 $5,111 3.30%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 10 $2,910,000 $291,000 $5,614 2.95%
WICHITA FALLS, TX (FHA|USDA|VA) 17 $2,835,000 $166,765 $4,134 3.10%
West Plains, MO (FHA|USDA|VA) 15 $2,775,000 $185,000 $3,188 3.32%
ROCKFORD, IL (FHA|USDA|VA) 20 $2,760,000 $138,000 $3,238 3.16%
Guymon, OK (FHA|USDA|VA) 18 $2,760,000 $153,333 $4,920 3.10%
COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $2,755,000 $393,571 $6,790 2.91%
HOT SPRINGS, AR (FHA|USDA|VA) 11 $2,635,000 $239,545 $5,557 3.32%
ALBUQUERQUE, NM (FHA|USDA|VA) 8 $2,490,000 $311,250 $4,708 2.86%
Tahlequah, OK (FHA|USDA|VA) 11 $2,345,000 $213,182 $4,546 2.95%
LAWTON, OK (FHA|USDA|VA) 17 $2,285,000 $134,412 $5,352 3.38%
Taylorville, IL (FHA|USDA|VA) 21 $2,245,000 $106,905 $4,020 3.17%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $2,215,000 $316,429 $7,245 3.41%
FORT SMITH, AR-OK (FHA|USDA|VA) 13 $2,215,000 $170,385 $4,287 3.04%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $2,115,000 $302,143 $3,896 3.07%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 4 $2,110,000 $527,500 $10,316 3.28%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 8 $2,100,000 $262,500 $5,664 3.14%
Winfield, KS (FHA|USDA|VA) 17 $2,095,000 $123,235 $4,285 3.29%
Charleston-Mattoon, IL (FHA|USDA|VA) 16 $2,020,000 $126,250 $3,128 3.29%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 8 $2,010,000 $251,250 $2,435 3.13%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 7 $2,005,000 $286,429 $7,884 3.34%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 11 $1,915,000 $174,091 $5,474 3.28%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $1,810,000 $452,500 $12,629 3.16%
Marion, IN (FHA|USDA|VA) 11 $1,805,000 $164,091 $4,456 3.14%
RICHMOND, VA (FHA|USDA|VA) 4 $1,800,000 $450,000 $11,982 3.06%
Hutchinson, KS (FHA|USDA|VA) 10 $1,710,000 $171,000 $3,877 3.20%
Hannibal, MO (FHA|USDA|VA) 12 $1,700,000 $141,667 $3,437 3.45%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 6 $1,690,000 $281,667 $5,273 3.31%
Ottawa, KS (FHA|USDA|VA) 11 $1,675,000 $152,273 $5,061 3.18%
GREELEY, CO (FHA|USDA|VA) 4 $1,570,000 $392,500 $7,035 2.63%
Great Bend, KS (FHA|USDA|VA) 13 $1,565,000 $120,385 $3,483 3.36%
Lincoln, IL (FHA|USDA|VA) 14 $1,510,000 $107,857 $3,557 3.26%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 5 $1,415,000 $283,000 $8,411 3.10%
Kennett, MO (FHA|USDA|VA) 7 $1,405,000 $200,714 $4,889 3.07%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 6 $1,400,000 $233,333 $5,963 3.46%
Galesburg, IL (FHA|USDA|VA) 16 $1,380,000 $86,250 $3,354 3.17%
JACKSONVILLE, FL (FHA|USDA|VA) 6 $1,360,000 $226,667 $5,756 3.19%
TYLER, TX (FHA|USDA|VA) 5 $1,285,000 $257,000 $7,073 3.55%
Batesville, AR (FHA|USDA|VA) 7 $1,265,000 $180,714 $4,296 2.79%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 6 $1,220,000 $203,333 $3,081 3.10%
JACKSON, MS (FHA|USDA|VA) 4 $1,130,000 $282,500 $3,369 3.13%
Effingham, IL (FHA|USDA|VA) 3 $1,115,000 $371,667 $2,474 2.96%
MANHATTAN, KS (FHA|USDA|VA) 7 $1,115,000 $159,286 $4,772 3.34%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $1,090,000 $272,500 $7,350 2.97%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $1,010,000 $252,500 $7,278 3.25%
McAlester, OK (FHA|USDA|VA) 6 $1,000,000 $166,667 $4,748 3.08%
CARBONDALE-MARION, IL (FHA|USDA|VA) 6 $990,000 $165,000 $5,582 2.96%
KNOXVILLE, TN (FHA|USDA|VA) 3 $985,000 $328,333 $9,486 3.25%
JONESBORO, AR (FHA|USDA|VA) 5 $965,000 $193,000 $4,906 3.13%
THE VILLAGES, FL (FHA|USDA|VA) 2 $930,000 $465,000 $5,091 2.94%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $925,000 $308,333 $7,054 3.38%
Russellville, AR (FHA|USDA|VA) 4 $900,000 $225,000 $3,529 2.97%
Ardmore, OK (FHA|USDA|VA) 5 $885,000 $177,000 $5,700 3.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $880,000 $220,000 $3,731 3.41%
Stillwater, OK (FHA|USDA|VA) 6 $880,000 $146,667 $4,129 3.33%
FAYETTEVILLE, NC (FHA|USDA|VA) 3 $865,000 $288,333 $6,625 3.38%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $845,000 $281,667 $8,031 3.33%
Jacksonville, IL (FHA|USDA|VA) 7 $805,000 $115,000 $3,577 3.11%
Maryville, MO (FHA|USDA|VA) 4 $760,000 $190,000 $2,411 3.16%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $760,000 $190,000 $5,508 3.00%
Pontiac, IL (FHA|USDA|VA) 5 $755,000 $151,000 $2,592 3.08%
TERRE HAUTE, IN (FHA|USDA|VA) 3 $755,000 $251,667 $5,125 3.42%
PINE BLUFF, AR (FHA|USDA|VA) 5 $745,000 $149,000 $4,248 3.28%
FORT WAYNE, IN (FHA|USDA|VA) 3 $745,000 $248,333 $3,095 3.33%
GAINESVILLE, GA (FHA|USDA|VA) 2 $740,000 $370,000 $6,880 2.75%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $735,000 $245,000 $4,429 2.71%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $725,000 $241,667 $5,676 3.00%
ASHEVILLE, NC (FHA|USDA|VA) 2 $710,000 $355,000 $11,679 3.13%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $705,000 $705,000 $5,889 2.88%
EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $695,000 $231,667 $2,989 3.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $675,000 $225,000 $1,958 2.67%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $665,000 $665,000 $3,350 2.38%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $655,000 $218,333 $7,605 3.08%
Salina, KS (FHA|USDA|VA) 4 $630,000 $157,500 $3,137 3.13%
PUEBLO, CO (FHA|USDA|VA) 2 $630,000 $315,000 $7,086 3.31%
Mountain Home, AR (FHA|USDA|VA) 4 $620,000 $155,000 $2,170 3.03%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $620,000 $310,000 $5,777 3.38%
Macomb, IL (FHA|USDA|VA) 6 $610,000 $101,667 $3,978 3.35%
Harrison, AR (FHA|USDA|VA) 4 $610,000 $152,500 $6,696 3.25%
BOULDER, CO (FHA|USDA|VA) 1 $605,000 $605,000 $7,831 3.00%
Jefferson, GA (FHA|USDA|VA) 2 $560,000 $280,000 $11,529 3.63%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $560,000 $280,000 $6,657 3.75%
Ada, OK (FHA|USDA|VA) 3 $555,000 $185,000 $4,681 2.75%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $545,000 $545,000 $5,640 3.25%
Beatrice, NE (FHA|USDA|VA) 1 $545,000 $545,000 $3,409 2.99%
Rochelle, IL (FHA|USDA|VA) 4 $530,000 $132,500 $3,061 3.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $510,000 $255,000 $7,004 2.75%
LINCOLN, NE (FHA|USDA|VA) 2 $510,000 $255,000 $2,216 3.19%
Ottawa, IL (FHA|USDA|VA) 5 $505,000 $101,000 $4,178 3.20%
Breckenridge, CO (FHA|USDA|VA) 1 $505,000 $505,000 $3,140 2.50%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $500,000 $250,000 $4,004 3.50%
OCALA, FL (FHA|USDA|VA) 1 $465,000 $465,000 $4,313 3.38%
Garden City, KS (FHA|USDA|VA) 2 $450,000 $225,000 $3,882 3.19%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $440,000 $220,000 $4,768 3.81%
Shawnee, OK (FHA|USDA|VA) 3 $425,000 $141,667 $5,636 3.67%
BRUNSWICK, GA (FHA|USDA|VA) 1 $405,000 $405,000 $3,525 2.63%
Spirit Lake, IA (FHA|USDA|VA) 1 $405,000 $405,000 $3,135 3.50%
Sevierville, TN (FHA|USDA|VA) 2 $400,000 $200,000 $2,091 3.19%
KOKOMO, IN (FHA|USDA|VA) 2 $400,000 $200,000 $3,345 3.00%
Sandusky, OH (FHA|USDA|VA) 1 $395,000 $395,000 $9,173 2.99%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $390,000 $195,000 $4,956 3.44%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $390,000 $195,000 $5,724 3.25%
Edwards, CO (FHA|USDA|VA) 1 $385,000 $385,000 $9,966 3.50%
PITTSBURGH, PA (FHA|USDA|VA) 1 $385,000 $385,000 $9,753 2.88%
Hays, KS (FHA|USDA|VA) 2 $380,000 $190,000 $4,032 3.19%
CaƱon City, CO (FHA|USDA|VA) 1 $375,000 $375,000 $11,223 2.88%
PANAMA CITY, FL (FHA|USDA|VA) 2 $370,000 $185,000 $6,506 2.75%
Atchison, KS (FHA|USDA|VA) 2 $370,000 $185,000 $2,420 3.31%
Glenwood Springs, CO (FHA|USDA|VA) 1 $365,000 $365,000 $6,819 3.88%
Cedartown, GA (FHA|USDA|VA) 1 $365,000 $365,000 $16,107 3.13%
Seneca, SC (FHA|USDA|VA) 1 $365,000 $365,000 $9,627 3.13%
Malvern, AR (FHA|USDA|VA) 2 $360,000 $180,000 $6,990 3.06%
Newberry, SC (FHA|USDA|VA) 1 $355,000 $355,000 $6,224 2.88%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $355,000 $355,000 $4,111 3.50%
Morehead City, NC (FHA|USDA|VA) 1 $345,000 $345,000 $4,987 3.50%
WACO, TX (FHA|USDA|VA) 1 $345,000 $345,000 $4,253 2.99%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $345,000 $345,000 $3,579 2.99%
Brainerd, MN (FHA|USDA|VA) 1 $345,000 $345,000 $12,203 3.13%
Sterling, IL (FHA|USDA|VA) 3 $345,000 $115,000 $3,570 3.42%
Dyersburg, TN (FHA|USDA|VA) 1 $325,000 $325,000 $3,554 3.88%
Helena-West Helena, AR (FHA|USDA|VA) 5 $325,000 $65,000 $2,663 2.78%
Carlsbad-Artesia, NM (FHA|USDA|VA) 2 $320,000 $160,000 $3,930 3.19%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $310,000 $155,000 $2,792 3.56%
LONGVIEW, TX (FHA|USDA|VA) 1 $305,000 $305,000 $10,343 4.13%
Warsaw, IN (FHA|USDA|VA) 1 $305,000 $305,000 $6,856 2.99%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $305,000 $305,000 $13,345 2.88%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $305,000 $305,000 $10,284 3.50%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $295,000 $295,000 $13,174 3.63%
Forrest City, AR (FHA|USDA|VA) 1 $295,000 $295,000 $3,935 3.63%
Granbury, TX (FHA|USDA|VA) 1 $295,000 $295,000 $5,663 3.13%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $295,000 $295,000 $5,336 3.25%
DULUTH, MN-WI (FHA|USDA|VA) 1 $295,000 $295,000 $8,835 3.13%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,426 4.63%
Danville, KY (FHA|USDA|VA) 1 $295,000 $295,000 $9,441 3.13%
Paragould, AR (FHA|USDA|VA) 2 $290,000 $145,000 $3,369 3.38%
Centralia, IL (FHA|USDA|VA) 2 $290,000 $145,000 $3,945 2.69%
VALDOSTA, GA (FHA|USDA|VA) 1 $285,000 $285,000 $4,023 3.25%
SANTA FE, NM (FHA|USDA|VA) 1 $285,000 $285,000 $6,331 2.88%
SPARTANBURG, SC (FHA|USDA|VA) 1 $285,000 $285,000 $15,326 2.63%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $285,000 $95,000 $3,569 3.29%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $275,000 $275,000 $6,776 3.63%
Peru, IN (FHA|USDA|VA) 1 $275,000 $275,000 $2,414 3.13%
North Wilkesboro, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,451 3.38%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $265,000 $265,000 $8,903 3.13%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $265,000 $265,000 $2,088 3.00%
ENID, OK (FHA|USDA|VA) 2 $260,000 $130,000 $5,631 3.31%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $255,000 $255,000 $7,343 3.50%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $255,000 $255,000 $4,818 2.99%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $255,000 $255,000 $9,375 3.50%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $255,000 $255,000 $3,583 2.38%
Carroll, IA (FHA|USDA|VA) 1 $245,000 $245,000 $1,980 3.13%
Jasper, IN (FHA|USDA|VA) 1 $245,000 $245,000 $2,675 3.50%
Greeneville, TN (FHA|USDA|VA) 1 $235,000 $235,000 $7,510 3.13%
BELLINGHAM, WA (FHA|USDA|VA) 1 $235,000 $235,000 $2,517 2.50%
Roswell, NM (FHA|USDA|VA) 1 $225,000 $225,000 $7,203 3.13%
ROANOKE, VA (FHA|USDA|VA) 1 $225,000 $225,000 $2,839 3.38%
Mount Vernon, IL (FHA|USDA|VA) 1 $225,000 $225,000 $6,136 2.88%
Bluefield, WV-VA (FHA|USDA|VA) 1 $225,000 $225,000 $8,491 3.38%
AMARILLO, TX (FHA|USDA|VA) 1 $225,000 $225,000 $7,576 3.00%
Meridian, MS (FHA|USDA|VA) 2 $220,000 $110,000 $3,109 3.31%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $215,000 $215,000 $3,154 3.63%
EL PASO, TX (FHA|USDA|VA) 1 $215,000 $215,000 $8,498 3.13%
Deming, NM (FHA|USDA|VA) 1 $195,000 $195,000 $3,217 3.50%
COLUMBIA, SC (FHA|USDA|VA) 1 $195,000 $195,000 $4,732 3.38%
Somerset, KY (FHA|USDA|VA) 1 $195,000 $195,000 $6,358 3.13%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,822 3.49%
Woodward, OK (FHA|USDA|VA) 1 $195,000 $195,000 $3,320 3.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $185,000 $185,000 $2,477 3.00%
HINESVILLE, GA (FHA|USDA|VA) 1 $185,000 $185,000 $5,633 3.63%
IOWA CITY, IA (FHA|USDA|VA) 1 $175,000 $175,000 $2,273 2.63%
Cornelia, GA (FHA|USDA|VA) 1 $165,000 $165,000 $3,879 2.88%
ABILENE, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,316 3.00%
AMES, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,149 2.99%
Red Bluff, CA (FHA|USDA|VA) 1 $155,000 $155,000 $5,088 3.88%
Weatherford, OK (FHA|USDA|VA) 1 $155,000 $155,000 $5,652 4.00%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $155,000 $155,000 $2,578 3.00%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $155,000 $155,000 $3,030 3.63%
St. Marys, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,260 3.25%
Oxford, MS (FHA|USDA|VA) 1 $145,000 $145,000 $3,257 3.25%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $145,000 $145,000 $5,096 3.13%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $135,000 $135,000 $2,990 3.63%
Stephenville, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,747 4.13%
Clinton, IA (FHA|USDA|VA) 1 $125,000 $125,000 $4,910 3.13%
Lufkin, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,227 3.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $115,000 $115,000 $2,280 3.13%
Burlington, IA-IL (FHA|USDA|VA) 1 $115,000 $115,000 $5,570 3.13%
Nacogdoches, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,363 3.25%
Muscatine, IA (FHA|USDA|VA) 1 $115,000 $115,000 $4,424 3.38%
Durant, OK (FHA|USDA|VA) 1 $105,000 $105,000 $3,634 2.99%
JACKSON, TN (FHA|USDA|VA) 1 $105,000 $105,000 $4,720 4.00%
Fairfield, IA (FHA|USDA|VA) 1 $105,000 $105,000 $2,915 3.25%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $95,000 $95,000 $1,685 2.75%
El Dorado, AR (FHA|USDA|VA) 1 $85,000 $85,000 $4,192 3.25%
Emporia, KS (FHA|USDA|VA) 1 $85,000 $85,000 $2,334 3.50%
Paducah, KY-IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,451 3.75%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $75,000 $75,000 $2,428 2.99%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $65,000 $65,000 $4,335 2.88%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $55,000 $55,000 $3,236 3.88%

Flat Branch Mortgage 's top markets include St. Louis, Kansas City, Springfield, Joplin, and Columbia among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 12,191 $2,378,625,000 $195,113 $2,774 3.11%
FHA 4,322 $712,560,000 $164,868 $5,720 3.20%
VA 1,789 $413,905,000 $231,361 $5,580 2.96%
USDA 1,682 $227,720,000 $135,386 $3,977 3.24%

For the 2021 period, Flat Branch Mortgage 's most frequently originated loan type of loans were Conventional, with 12,191 originations. Their 2nd most popular type is FHA, with 4,322 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 14,147 $2,654,365,000 $187,627 $4,129 3.18%
Refi 4,713 $871,325,000 $184,877 $2,835 2.95%
Cash Out Refi 612 $114,120,000 $186,471 $3,123 3.20%
Home Improvement 510 $92,730,000 $181,824 $2,981 3.17%
Other 1 $215,000 $215,000 $2,409 3.50%
NA 1 $55,000 $55,000 $807 4.50%

For the 2021, Flat Branch Mortgage 's most frequently cited loan purpose of loans were Home Purchase, with 14,147 originations. The 2nd most popular reason of loans were Refi, with 4,713 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 17,762 $3,343,630,000 $188,246 $3,916 3.18%
15 Year 1,620 $277,260,000 $171,148 $2,556 2.58%
20 Year 472 $91,180,000 $193,178 $2,571 2.95%
Other 75 $12,865,000 $171,533 $2,542 3.16%
10 Year 55 $7,875,000 $143,182 $2,326 2.55%

For the 2021, Flat Branch Mortgage 's most frequently cited loan length of loans were 30 Year, with 17,762 originations. The 2nd most popular length of loans were 15 Year, with 1,620 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 14,381 $2,687,405,000 $186,872
$1k-2k 4,109 $735,705,000 $179,047
$2k-3k 1,046 $189,140,000 $180,822
$3k-4k 337 $82,475,000 $244,733
$5k+ 103 $37,265,000 $361,796

$3,916 of loans were Flat Branch Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 14,381 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 11,321 $1,998,805,000 $176,557
2.5-3% 7,023 $1,410,965,000 $200,906
<2.5% 1,299 $268,855,000 $206,971
4-5% 340 $54,040,000 $158,941

During 2021, Flat Branch Mortgage 's average interest rate of loans were 3.18%, while their most frequently originated rate bucket of loans were 3-4%, with 11,321 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 9,759 $1,447,065,000 $148,280 $3,557 3.13%
$200k-400k 6,359 $1,700,195,000 $267,368 $4,346 3.09%
$100,000 or less 3,156 $241,760,000 $76,603 $3,005 3.22%
$400k-600k 670 $313,110,000 $467,328 $4,440 2.96%
$600k-1MM 34 $22,820,000 $671,176 $8,349 2.97%
$1MM+ 6 $7,860,000 $1,310,000 $20,669 3.00%

2021 saw Flat Branch Mortgage place emphasis on $100k-200k loans with 9,759 originations, totaling $1,447,065,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 6,185 $797,095,000 $128,876 $3,595 3.14%
$50k-75k 5,651 $972,425,000 $172,080 $3,943 3.14%
$75k-100k 3,481 $728,215,000 $209,197 $3,864 3.12%
$100k-150k 2,977 $728,705,000 $244,778 $3,747 3.09%
$150k-250k 1,331 $390,025,000 $293,032 $3,587 3.07%
$250k+ 359 $116,345,000 $324,081 $3,686 3.05%

Flat Branch Mortgage lent most frequently to those with incomes in the $50k or less range, with 6,185 originations. The second most popular income band? $50k-75k, with 5,651 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 4,513 $819,555,000 $181,599 $3,299 3.09%
30-36% 3,818 $703,310,000 $184,209 $3,629 3.16%
<20% 1,561 $254,335,000 $162,931 $2,796 2.97%
50-60% 1,033 $211,325,000 $204,574 $6,100 3.13%
40% 834 $161,000,000 $193,046 $4,025 3.18%
42% 747 $145,815,000 $195,201 $3,943 3.18%
38% 719 $130,965,000 $182,149 $3,821 3.20%
39% 704 $132,260,000 $187,869 $3,776 3.17%
43% 701 $136,535,000 $194,772 $4,129 3.21%
37% 700 $128,330,000 $183,329 $3,859 3.19%
41% 695 $132,615,000 $190,813 $3,846 3.14%
44% 692 $128,600,000 $185,838 $4,128 3.19%
36% 667 $120,065,000 $180,007 $3,763 3.20%
45% 482 $99,210,000 $205,830 $4,084 3.15%
>60% 444 $86,560,000 $194,955 $3,499 2.82%
46% 431 $88,605,000 $205,580 $4,018 3.14%
49% 424 $87,290,000 $205,873 $4,253 3.16%
48% 368 $77,850,000 $211,549 $4,266 3.13%
47% 332 $68,400,000 $206,024 $4,200 3.13%

Flat Branch Mortgage lent most frequently to those with DTI ratios of 20-30%, with 4,513 originations. The next most common DTI ratio? 30-36%, with 3,818 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 15,913 $2,953,685,000 $185,615 $3,664 3.12%
Not provided 2,360 $452,360,000 $191,678 $3,788 3.13%
Black 893 $165,895,000 $185,773 $5,004 3.22%
Asian 370 $80,890,000 $218,622 $3,644 3.09%
American Indian 414 $73,610,000 $177,802 $4,825 3.20%
Native Hawaiian 31 $5,415,000 $174,677 $4,940 3.19%
Chinese 1 $545,000 $545,000 $2,667 2.25%
Filipino 2 $410,000 $205,000 $5,179 3.69%

Approval Rates

Total approvals of all applications
98.32%

Flat Branch Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
79.91%

Flat Branch Mortgage has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 19,984 $3,732,810,000 $186,790

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
19,984 $3,732,810,000 $186,790

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 298 $34,480,000 $115,705 $2,401 2.81%
40-60% 1,243 $200,805,000 $161,549 $2,526 2.84%
60-80% 4,738 $901,890,000 $190,352 $2,794 3.12%
80-100% 13,269 $2,490,795,000 $187,715 $4,075 3.17%
Over 100% 414 $103,100,000 $249,034 $9,637 2.99%
Under 20% 22 $1,740,000 $79,091 $2,478 2.84%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
Flat Branch Mortgage, Inc. Conventional home mortgage Trouble during payment process 1 33.3%
Flat Branch Mortgage, Inc. Other type of mortgage Trouble during payment process 1 33.3%
Flat Branch Mortgage, Inc. VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%