Flat Branch Mortgage Rates, Fees & Info

Columbia, MO

LEI: 549300LXKO1O7CSK5J52

Tax ID: 20-2746596

5 stars - Updated: 4/5/25 - out of 5 stars, based on 118 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Flat Branch Mortgage is a mid-sized mortgage company specializing in Home Purchase loans. Flat Branch Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, St. Louis, Tulsa, Fayetteville, and Joplin among others. We have data for 249 markets. (Some data included below & more in-depth data is available with an active subscription.)

Flat Branch Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Flat Branch Mortgage is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 7.02% 4/5/25
30 Year Conventional Refi 6.87% 4/5/25
30 Year Cash-out Refi 7.20% 4/5/25
30 Year FHA Purchase 7.52% 4/5/25
30 Year FHA Refi 7.19% 4/5/25
30 Year VA Purchase 6.78% 4/5/25
30 Year VA Refi 6.30% 4/5/25
30 Year USDA Purchase 7.27% 4/5/25
30 Year USDA Refi 7.25% 4/5/25
15 Year Conventional Purchase 6.40% 4/5/25
15 Year Conventional Refi 6.14% 4/5/25
15 Year Cash-out Refi 6.14% 4/5/25
15 Year VA Purchase 6.22% 4/5/25
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Flat Branch Mortgage Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Flat Branch Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

13,902

Origination Dollar Volume (All Markets)

$3,150,880,000
Show all (99) awards

Relative Rate

Flat Branch Mortgage's average 30 year fixed mortgage rate was 6.69%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 0.14%.

Relative Fees (Closing Costs)

Flat Branch Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $5,371.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
KANSAS CITY, MO-KS (FHA|USDA|VA) 1,351 $369,425,000 $273,446 $5,420 6.68%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1,414 $363,600,000 $257,143 $4,742 6.79%
Outside of Metro Areas 1,363 $252,545,000 $185,286 $4,967 6.77%
TULSA, OK (FHA|USDA|VA) 777 $192,365,000 $247,574 $7,016 6.65%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 587 $181,165,000 $308,629 $5,532 6.52%
JOPLIN, MO (FHA|USDA|VA) 931 $176,245,000 $189,307 $5,123 6.68%
SPRINGFIELD, MO (FHA|USDA|VA) 658 $155,600,000 $236,474 $4,770 6.74%
COLUMBIA, MO (FHA|USDA|VA) 493 $125,165,000 $253,884 $4,357 6.65%
PEORIA, IL (FHA|USDA|VA) 667 $111,775,000 $167,579 $3,888 6.73%
JEFFERSON CITY, MO (FHA|USDA|VA) 438 $102,430,000 $233,858 $5,005 6.64%
WICHITA, KS (FHA|USDA|VA) 440 $91,130,000 $207,114 $5,806 6.66%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 376 $83,560,000 $222,234 $6,363 6.54%
WICHITA FALLS, TX (FHA|USDA|VA) 299 $59,435,000 $198,779 $6,452 6.70%
TOPEKA, KS (FHA|USDA|VA) 285 $55,615,000 $195,140 $3,972 6.84%
COLORADO SPRINGS, CO (FHA|USDA|VA) 130 $54,460,000 $418,923 $10,315 6.29%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 230 $50,720,000 $220,522 $3,583 6.82%
Fort Leonard Wood, MO (FHA|USDA|VA) 196 $46,470,000 $237,092 $6,997 6.62%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 139 $41,415,000 $297,950 $4,240 6.23%
Warrensburg, MO (FHA|USDA|VA) 142 $34,760,000 $244,789 $5,533 6.62%
OKLAHOMA CITY, OK (FHA|USDA|VA) 102 $26,550,000 $260,294 $6,627 6.59%
CEDAR RAPIDS, IA (FHA|USDA|VA) 124 $25,960,000 $209,355 $4,855 6.51%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 83 $23,535,000 $283,554 $5,045 6.59%
Sedalia, MO (FHA|USDA|VA) 93 $19,245,000 $206,935 $4,843 6.76%
Pittsburg, KS (FHA|USDA|VA) 126 $19,010,000 $150,873 $4,399 6.72%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 87 $18,765,000 $215,690 $5,093 6.70%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 37 $14,285,000 $386,081 $8,150 6.37%
Mexico, MO (FHA|USDA|VA) 86 $14,130,000 $164,302 $4,258 6.65%
Branson, MO (FHA|USDA|VA) 61 $14,115,000 $231,393 $5,031 6.74%
Ponca City, OK (FHA|USDA|VA) 96 $13,840,000 $144,167 $5,296 6.71%
Lebanon, MO (FHA|USDA|VA) 77 $13,675,000 $177,597 $5,059 6.59%
SPRINGFIELD, IL (FHA|USDA|VA) 69 $13,175,000 $190,942 $4,561 6.83%
MIDLAND, TX (FHA|USDA|VA) 41 $12,605,000 $307,439 $11,539 6.61%
McPherson, KS (FHA|USDA|VA) 75 $12,595,000 $167,933 $4,638 6.66%
LUBBOCK, TX (FHA|USDA|VA) 55 $12,315,000 $223,909 $8,113 6.51%
Rolla, MO (FHA|USDA|VA) 57 $11,525,000 $202,193 $4,709 6.68%
Moberly, MO (FHA|USDA|VA) 61 $11,035,000 $180,902 $4,539 6.74%
Coffeyville, KS (FHA|USDA|VA) 82 $10,810,000 $131,829 $4,894 6.80%
Marshall, MO (FHA|USDA|VA) 67 $9,855,000 $147,090 $4,326 6.68%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 37 $9,175,000 $247,973 $5,240 6.67%
Sikeston, MO (FHA|USDA|VA) 53 $8,945,000 $168,774 $4,485 6.59%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 26 $8,410,000 $323,462 $7,902 6.61%
FORT SMITH, AR-OK (FHA|USDA|VA) 42 $8,380,000 $199,524 $5,767 6.85%
Searcy, AR (FHA|USDA|VA) 44 $7,790,000 $177,045 $5,456 6.64%
Levelland, TX (FHA|USDA|VA) 41 $7,445,000 $181,585 $8,162 6.43%
Hannibal, MO (FHA|USDA|VA) 43 $7,345,000 $170,814 $4,426 6.73%
Quincy, IL-MO (FHA|USDA|VA) 44 $7,210,000 $163,864 $5,498 6.63%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 35 $6,805,000 $194,429 $5,112 6.83%
Kirksville, MO (FHA|USDA|VA) 35 $6,615,000 $189,000 $4,263 6.65%
DECATUR, IL (FHA|USDA|VA) 45 $6,445,000 $143,222 $4,209 6.80%
MANHATTAN, KS (FHA|USDA|VA) 23 $6,285,000 $273,261 $5,848 6.68%
DANVILLE, IL (FHA|USDA|VA) 48 $5,970,000 $124,375 $4,168 6.82%
BLOOMINGTON, IL (FHA|USDA|VA) 31 $5,925,000 $191,129 $4,446 6.91%
Muskogee, OK (FHA|USDA|VA) 31 $5,825,000 $187,903 $6,489 6.58%
ODESSA, TX (FHA|USDA|VA) 23 $5,355,000 $232,826 $10,738 6.45%
Miami, OK (FHA|USDA|VA) 36 $4,920,000 $136,667 $5,331 6.80%
Batesville, AR (FHA|USDA|VA) 23 $4,755,000 $206,739 $4,312 6.58%
Parsons, KS (FHA|USDA|VA) 42 $4,640,000 $110,476 $4,193 6.82%
Charleston-Mattoon, IL (FHA|USDA|VA) 32 $4,520,000 $141,250 $4,111 6.92%
Bartlesville, OK (FHA|USDA|VA) 25 $4,445,000 $177,800 $6,437 6.80%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $4,175,000 $463,889 $9,744 6.53%
HOT SPRINGS, AR (FHA|USDA|VA) 18 $4,040,000 $224,444 $5,559 6.62%
IOWA CITY, IA (FHA|USDA|VA) 13 $3,885,000 $298,846 $5,247 7.04%
PUEBLO, CO (FHA|USDA|VA) 12 $3,790,000 $315,833 $7,647 6.24%
Ottawa, KS (FHA|USDA|VA) 14 $3,750,000 $267,857 $6,802 6.88%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 11 $3,725,000 $338,636 $9,493 6.60%
LAWTON, OK (FHA|USDA|VA) 20 $3,720,000 $186,000 $6,554 6.60%
Farmington, MO (FHA|USDA|VA) 21 $3,565,000 $169,762 $5,152 7.05%
Hutchinson, KS (FHA|USDA|VA) 21 $3,545,000 $168,810 $4,476 6.85%
LAWRENCE, KS (FHA|USDA|VA) 12 $3,530,000 $294,167 $4,019 6.91%
Poplar Bluff, MO (FHA|USDA|VA) 18 $3,380,000 $187,778 $4,775 6.76%
Stillwater, OK (FHA|USDA|VA) 15 $3,205,000 $213,667 $6,517 6.71%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 9 $3,095,000 $343,889 $6,219 7.01%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $3,050,000 $508,333 $8,565 6.71%
Centralia, IL (FHA|USDA|VA) 25 $2,895,000 $115,800 $3,453 6.55%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 7 $2,765,000 $395,000 $9,918 6.59%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $2,745,000 $549,000 $9,645 6.88%
KNOXVILLE, TN (FHA|USDA|VA) 8 $2,630,000 $328,750 $6,528 6.75%
Tahlequah, OK (FHA|USDA|VA) 13 $2,535,000 $195,000 $6,217 6.64%
Pontiac, IL (FHA|USDA|VA) 16 $2,530,000 $158,125 $4,807 6.86%
BOULDER, CO (FHA|USDA|VA) 5 $2,395,000 $479,000 $3,626 6.48%
Winfield, KS (FHA|USDA|VA) 16 $2,370,000 $148,125 $5,688 6.45%
Galesburg, IL (FHA|USDA|VA) 21 $2,335,000 $111,190 $3,912 6.74%
CARBONDALE-MARION, IL (FHA|USDA|VA) 17 $2,325,000 $136,765 $3,376 6.73%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 8 $2,170,000 $271,250 $6,916 6.20%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 7 $1,905,000 $272,143 $5,486 6.82%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 16 $1,870,000 $116,875 $4,445 6.57%
McAlester, OK (FHA|USDA|VA) 9 $1,845,000 $205,000 $6,261 6.86%
Taylorville, IL (FHA|USDA|VA) 15 $1,835,000 $122,333 $5,015 7.17%
Sevierville, TN (FHA|USDA|VA) 6 $1,770,000 $295,000 $6,319 6.44%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $1,710,000 $855,000 $3,754 6.56%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 6 $1,620,000 $270,000 $10,169 6.83%
GREELEY, CO (FHA|USDA|VA) 3 $1,565,000 $521,667 $15,649 6.67%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 6 $1,460,000 $243,333 $3,125 6.75%
Harrison, AR (FHA|USDA|VA) 8 $1,400,000 $175,000 $6,657 6.86%
Russellville, AR (FHA|USDA|VA) 8 $1,360,000 $170,000 $4,010 6.53%
Durant, OK (FHA|USDA|VA) 5 $1,235,000 $247,000 $5,893 6.60%
Salina, KS (FHA|USDA|VA) 6 $1,230,000 $205,000 $3,580 6.60%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $1,210,000 $302,500 $4,405 7.00%
Garden City, KS (FHA|USDA|VA) 6 $1,210,000 $201,667 $4,849 7.44%
Macomb, IL (FHA|USDA|VA) 9 $1,185,000 $131,667 $4,549 6.92%
Duncan, OK (FHA|USDA|VA) 7 $1,145,000 $163,571 $6,317 6.93%
Bedford, IN (FHA|USDA|VA) 4 $1,130,000 $282,500 $5,501 6.44%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $1,120,000 $560,000 $8,097 6.63%
Steamboat Springs, CO (FHA|USDA|VA) 1 $1,075,000 $1,075,000 $3,280 7.00%
Ottawa, IL (FHA|USDA|VA) 6 $1,070,000 $178,333 $5,579 6.81%
Plainview, TX (FHA|USDA|VA) 7 $1,045,000 $149,286 $5,935 6.60%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $1,040,000 $520,000 $18,521 5.19%
Great Bend, KS (FHA|USDA|VA) 7 $1,025,000 $146,429 $5,900 7.05%
PROVO-OREM, UT (FHA|USDA|VA) 3 $1,025,000 $341,667 $10,925 6.42%
BILLINGS, MT (FHA|USDA|VA) 1 $955,000 $955,000 $14,139 5.13%
AMARILLO, TX (FHA|USDA|VA) 4 $950,000 $237,500 $5,579 6.31%
Hays, KS (FHA|USDA|VA) 6 $950,000 $158,333 $3,681 6.62%
FORT COLLINS, CO (FHA|USDA|VA) 3 $945,000 $315,000 $5,758 6.29%
PINE BLUFF, AR (FHA|USDA|VA) 4 $930,000 $232,500 $6,622 6.50%
KOKOMO, IN (FHA|USDA|VA) 4 $930,000 $232,500 $4,828 6.69%
Shawnee, OK (FHA|USDA|VA) 4 $900,000 $225,000 $4,702 6.59%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $895,000 $298,333 $12,228 6.16%
Mount Vernon, IL (FHA|USDA|VA) 6 $880,000 $146,667 $3,059 6.46%
SPARTANBURG, SC (FHA|USDA|VA) 3 $855,000 $285,000 $8,960 6.88%
Malvern, AR (FHA|USDA|VA) 3 $835,000 $278,333 $4,945 6.58%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $825,000 $825,000 $6,915 6.99%
Atchison, KS (FHA|USDA|VA) 4 $800,000 $200,000 $5,664 6.91%
West Plains, MO (FHA|USDA|VA) 4 $800,000 $200,000 $4,242 6.28%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $795,000 $265,000 $4,742 7.13%
Mountain Home, AR (FHA|USDA|VA) 4 $780,000 $195,000 $4,619 6.15%
ROCKFORD, IL (FHA|USDA|VA) 2 $780,000 $390,000 $3,739 6.81%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $770,000 $385,000 $11,902 7.13%
Ardmore, OK (FHA|USDA|VA) 4 $770,000 $192,500 $4,395 6.44%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $770,000 $385,000 $6,465 7.56%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $755,000 $755,000 $4,593 6.63%
Paducah, KY-IL (FHA|USDA|VA) 3 $755,000 $251,667 $6,096 7.33%
Jacksonville, IL (FHA|USDA|VA) 5 $715,000 $143,000 $3,835 6.93%
LINCOLN, NE (FHA|USDA|VA) 4 $690,000 $172,500 $3,147 5.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $670,000 $335,000 $9,842 6.63%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $650,000 $325,000 $7,739 6.50%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 2 $640,000 $320,000 $4,666 6.44%
Gainesville, TX (FHA|USDA|VA) 2 $640,000 $320,000 $6,880 7.19%
WACO, TX (FHA|USDA|VA) 3 $635,000 $211,667 $4,268 6.75%
Lumberton, NC (FHA|USDA|VA) 2 $620,000 $310,000 $17,133 5.94%
Maryville, MO (FHA|USDA|VA) 4 $610,000 $152,500 $2,806 7.40%
ROANOKE, VA (FHA|USDA|VA) 1 $605,000 $605,000 $4,522 6.99%
Frankfort, IN (FHA|USDA|VA) 3 $585,000 $195,000 $4,998 7.04%
TERRE HAUTE, IN (FHA|USDA|VA) 4 $570,000 $142,500 $5,874 6.78%
KANKAKEE, IL (FHA|USDA|VA) 3 $565,000 $188,333 $4,418 7.04%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $555,000 $555,000 $15,636 6.13%
Big Spring, TX (FHA|USDA|VA) 2 $510,000 $255,000 $8,746 6.56%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $505,000 $505,000 $6,721 6.88%
ENID, OK (FHA|USDA|VA) 4 $500,000 $125,000 $4,489 7.28%
EL PASO, TX (FHA|USDA|VA) 2 $500,000 $250,000 $7,993 6.38%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $490,000 $245,000 $12,362 6.44%
Ozark, AL (FHA|USDA|VA) 1 $475,000 $475,000 $18,753 5.50%
Lincoln, IL (FHA|USDA|VA) 5 $465,000 $93,000 $2,694 7.02%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $465,000 $465,000 $4,152 7.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $460,000 $230,000 $7,336 6.44%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $455,000 $455,000 $7,903 6.38%
SAN ANGELO, TX (FHA|USDA|VA) 2 $450,000 $225,000 $9,600 6.69%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $450,000 $225,000 $6,817 6.88%
JONESBORO, AR (FHA|USDA|VA) 3 $445,000 $148,333 $4,702 6.58%
COLUMBIA, SC (FHA|USDA|VA) 1 $445,000 $445,000 $3,632 6.99%
LONGVIEW, TX (FHA|USDA|VA) 2 $440,000 $220,000 $5,205 6.88%
Wabash, IN (FHA|USDA|VA) 3 $435,000 $145,000 $4,479 6.63%
Dodge City, KS (FHA|USDA|VA) 1 $425,000 $425,000 $7,383 6.49%
ABILENE, TX (FHA|USDA|VA) 2 $420,000 $210,000 $6,229 6.62%
Clovis, NM (FHA|USDA|VA) 2 $420,000 $210,000 $6,297 6.94%
Muscatine, IA (FHA|USDA|VA) 3 $415,000 $138,333 $3,788 6.58%
Oxford, MS (FHA|USDA|VA) 1 $405,000 $405,000 $4,162 7.99%
Emporia, KS (FHA|USDA|VA) 3 $405,000 $135,000 $5,216 6.75%
MONTGOMERY, AL (FHA|USDA|VA) 3 $395,000 $131,667 $7,722 7.13%
MORRISTOWN, TN (FHA|USDA|VA) 3 $395,000 $131,667 $5,661 6.33%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $395,000 $395,000 $4,547 5.63%
Vernon, TX (FHA|USDA|VA) 4 $390,000 $97,500 $4,931 6.72%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $375,000 $375,000 $3,937 6.99%
Burley, ID (FHA|USDA|VA) 1 $375,000 $375,000 $8,510 7.13%
Findlay, OH (FHA|USDA|VA) 1 $375,000 $375,000 $14,976 6.88%
GAINESVILLE, GA (FHA|USDA|VA) 1 $365,000 $365,000 $4,253 7.63%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $365,000 $365,000 $8,985 8.13%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $365,000 $365,000 $8,074 6.63%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $355,000 $355,000 $13,781 6.75%
Kennett, MO (FHA|USDA|VA) 4 $350,000 $87,500 $3,829 6.53%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $340,000 $170,000 $5,040 6.68%
Brenham, TX (FHA|USDA|VA) 1 $335,000 $335,000 $4,832 6.63%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $335,000 $335,000 $7,835 6.63%
MADISON, WI (FHA|USDA|VA) 1 $325,000 $325,000 $4,013 6.88%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $315,000 $315,000 $13,718 7.13%
Marion, IN (FHA|USDA|VA) 1 $315,000 $315,000 $10,340 7.63%
Gaffney, SC (FHA|USDA|VA) 1 $315,000 $315,000 $8,956 6.63%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $315,000 $315,000 $3,561 6.38%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $305,000 $305,000 $6,144 7.13%
Burlington, IA-IL (FHA|USDA|VA) 2 $300,000 $150,000 $4,615 6.81%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $295,000 $295,000 $21,262 5.63%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,062 6.63%
Magnolia, AR (FHA|USDA|VA) 1 $275,000 $275,000 $3,929 6.63%
MOBILE, AL (FHA|USDA|VA) 1 $265,000 $265,000 $3,190 6.25%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $260,000 $130,000 $4,625 7.06%
OCALA, FL (FHA|USDA|VA) 1 $255,000 $255,000 $4,532 7.13%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $255,000 $255,000 $4,749 6.63%
Hereford, TX (FHA|USDA|VA) 1 $255,000 $255,000 $11,227 6.63%
Whitewater, WI (FHA|USDA|VA) 1 $255,000 $255,000 $3,916 6.99%
DUBUQUE, IA (FHA|USDA|VA) 1 $255,000 $255,000 $4,498 6.99%
HINESVILLE, GA (FHA|USDA|VA) 1 $255,000 $255,000 $7,642 7.00%
Dyersburg, TN (FHA|USDA|VA) 1 $245,000 $245,000 $7,736 7.13%
LANCASTER, PA (FHA|USDA|VA) 1 $245,000 $245,000 $4,574 7.25%
PANAMA CITY, FL (FHA|USDA|VA) 1 $245,000 $245,000 $4,295 6.99%
Crawfordsville, IN (FHA|USDA|VA) 1 $245,000 $245,000 $2,585 7.63%
Lewisburg, TN (FHA|USDA|VA) 1 $235,000 $235,000 $12,456 5.63%
Enterprise, AL (FHA|USDA|VA) 1 $235,000 $235,000 $13,148 5.88%
TWIN FALLS, ID (FHA|USDA|VA) 1 $235,000 $235,000 $4,133 7.13%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $235,000 $235,000 $9,025 6.63%
Lamesa, TX (FHA|USDA|VA) 2 $230,000 $115,000 $6,870 6.94%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $225,000 $225,000 $2,850 6.63%
Portales, NM (FHA|USDA|VA) 1 $225,000 $225,000 $6,409 7.13%
JACKSON, MS (FHA|USDA|VA) 1 $225,000 $225,000 $8,114 7.13%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $225,000 $225,000 $9,081 6.49%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,478 7.38%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $215,000 $215,000 $5,858 7.63%
Lufkin, TX (FHA|USDA|VA) 1 $215,000 $215,000 $9,228 5.63%
HATTIESBURG, MS (FHA|USDA|VA) 1 $205,000 $205,000 $4,589 6.49%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $7,156 7.63%
Cornelia, GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,633 6.88%
Liberal, KS (FHA|USDA|VA) 2 $200,000 $100,000 $3,345 6.56%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $195,000 $195,000 $4,769 6.63%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $195,000 $195,000 $3,680 6.99%
Granbury, TX (FHA|USDA|VA) 1 $185,000 $185,000 $5,434 6.99%
Athens, TN (FHA|USDA|VA) 1 $185,000 $185,000 $3,997 6.50%
Altus, OK (FHA|USDA|VA) 1 $175,000 $175,000 $7,554 6.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $175,000 $175,000 $7,691 6.25%
ANN ARBOR, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,797 6.88%
Guymon, OK (FHA|USDA|VA) 1 $165,000 $165,000 $3,346 6.88%
Arkadelphia, AR (FHA|USDA|VA) 1 $165,000 $165,000 $5,121 7.00%
Clinton, IA (FHA|USDA|VA) 1 $155,000 $155,000 $4,518 7.00%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $155,000 $155,000 $3,397 6.88%
Fort Dodge, IA (FHA|USDA|VA) 1 $155,000 $155,000 $4,231 6.63%
Paris, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,205 6.38%
Dixon, IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,731 6.25%
CaƱon City, CO (FHA|USDA|VA) 1 $145,000 $145,000 $3,308 6.50%
Freeport, IL (FHA|USDA|VA) 2 $140,000 $70,000 $4,575 6.31%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $135,000 $135,000 $2,978 6.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,871 6.13%
Beatrice, NE (FHA|USDA|VA) 1 $125,000 $125,000 $2,554 6.38%
London, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,193 5.99%
Sterling, IL (FHA|USDA|VA) 1 $125,000 $125,000 $3,323 6.63%
Starkville, MS (FHA|USDA|VA) 1 $115,000 $115,000 $3,071 6.38%
FLORENCE, SC (FHA|USDA|VA) 1 $115,000 $115,000 $4,069 7.63%
TOLEDO, OH (FHA|USDA|VA) 1 $105,000 $105,000 $4,704 6.13%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,106 5.75%
Woodward, OK (FHA|USDA|VA) 1 $95,000 $95,000 $3,001 6.49%
Murray, KY (FHA|USDA|VA) 1 $85,000 $85,000 $3,093 6.88%
MUNCIE, IN (FHA|USDA|VA) 1 $75,000 $75,000 $4,303 7.13%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $55,000 $55,000 $3,007 7.13%
Flat Branch Mortgage's top markets include Kansas City, St. Louis, Tulsa, Fayetteville, and Joplin among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against FLAT BRANCH MORTGAGE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    UNIVERSITY OF ILLINOIS COMMUNITY
    Similarity Rank: 32
    First Savings Bank of Hegewisch
    Similarity Rank: 36
    WEST COMMUNITY
    Similarity Rank: 72
    Liberty Bank for Savings
    Similarity Rank: 79
    CRESCENT MORTGAGE COMPANY
    Similarity Rank: 80
    Prairie State Bank and Trust
    Similarity Rank: 102
    GSB MORTGAGE, INC.
    Similarity Rank: 133
    MISSOURI Credit Union
    Similarity Rank: 143
    FIRST WESTERN MORTGAGE, INC.
    Similarity Rank: 168
    First Security Bank
    Similarity Rank: 240

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 8,131 $1,853,765,000 $227,987 $3,780 6.73%
    FHA 3,346 $702,820,000 $210,048 $7,945 6.67%
    VA 1,495 $449,065,000 $300,378 $7,582 6.51%
    USDA 925 $144,865,000 $156,611 $5,018 6.64%
    HELOC 5 $365,000 $73,000 n/a 10.65%

    For 2024, Flat Branch Mortgage's most frequently originated type of loan was Conventional, with 8,131 originations. Their 2nd most popular type was FHA, with 3,346 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 12,846 $2,887,400,000 $224,770 $5,334 6.69%
    Refi 545 $159,115,000 $291,954 $4,455 6.44%
    Cash Out Refi 458 $95,190,000 $207,838 $5,222 6.90%
    Home Improvement 53 $9,175,000 $173,113 $4,418 6.74%

    For 2024, Flat Branch Mortgage's most frequently cited loan purpose was Home Purchase, with 12,846 originations. The 2nd most popular reason was Refi, with 545 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 13,266 $3,038,910,000 $229,075 $5,371 6.69%
    15 Year 189 $47,325,000 $250,397 $4,207 6.27%
    20 Year 166 $39,720,000 $239,277 $3,712 6.54%
    10 Year 152 $3,060,000 $20,132 $301 7.55%
    Other 129 $21,865,000 $169,496 $6,738 6.86%

    For 2024, Flat Branch Mortgage's most frequently cited loan duration was 30 Year, with 13,266 originations. The 2nd most popular length was 15 Year, with 189 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 5,856 $1,317,690,000 $225,015
    $1k-2k 3,828 $778,260,000 $203,307
    $2k-3k 2,012 $421,940,000 $209,712
    $3k-4k 1,144 $284,810,000 $248,960
    $5k+ 555 $201,765,000 $363,541
    $4k-5k 476 $142,160,000 $298,655

    Flat Branch Mortgage's average total fees were $5,371, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 5,856 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 9,261 $2,095,265,000 $226,246
    7-8% 2,954 $694,700,000 $235,173
    5-6% 1,478 $330,660,000 $223,721
    Over 8% 159 $19,575,000 $123,113
    4-5% 35 $9,735,000 $278,143
    <2.5% 12 $290,000 $24,167
    2.5-3% 2 $450,000 $225,000
    3-4% 1 $205,000 $205,000

    During 2024, Flat Branch Mortgage's average interest rate for loans was 6.69%, while their most frequently originated rate bucket for loans was 6-7%, with 9,261 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 5,854 $1,604,480,000 $274,083 $5,986 6.70%
    $100k-200k 5,329 $811,135,000 $152,211 $4,652 6.65%
    $100,000 or less 1,513 $105,745,000 $69,891 $3,150 6.79%
    $400k-600k 988 $464,660,000 $470,304 $7,313 6.66%
    $600k-1MM 199 $140,255,000 $704,799 $7,354 6.65%
    $1MM+ 19 $24,605,000 $1,295,000 $8,030 6.49%

    2024 saw Flat Branch Mortgage place emphasis on $200k-400k loans with 5,854 originations, totaling $1,604,480,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 3,815 $668,865,000 $175,325 $4,995 6.61%
    $100k-150k 2,928 $803,280,000 $274,344 $5,886 6.79%
    $75k-100k 2,853 $629,885,000 $220,780 $5,627 6.72%
    $50k or less 2,309 $293,095,000 $126,936 $4,240 6.52%
    $150k-250k 1,504 $532,770,000 $354,235 $5,717 6.84%
    $250k+ 493 $222,985,000 $452,302 $5,599 6.87%

    Flat Branch Mortgage lent most frequently to those with incomes in the $50k-75k range, with 3,815 originations. The second most popular income band? $100k-150k, with 2,928 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 2,488 $533,310,000 $214,353 $4,834 6.68%
    20-30% 2,207 $464,205,000 $210,333 $4,342 6.69%
    50-60% 1,103 $290,615,000 $263,477 $8,477 6.65%
    49% 649 $158,025,000 $243,490 $5,262 6.73%
    44% 600 $137,190,000 $228,650 $5,512 6.71%
    42% 574 $131,440,000 $228,990 $5,273 6.68%
    39% 573 $123,905,000 $216,239 $5,175 6.69%
    43% 567 $130,405,000 $229,991 $5,361 6.73%
    40% 557 $126,325,000 $226,795 $5,386 6.70%
    38% 552 $120,600,000 $218,478 $4,947 6.71%
    41% 522 $119,270,000 $228,487 $5,209 6.74%
    <20% 521 $100,395,000 $192,697 $3,822 6.52%
    36% 503 $110,145,000 $218,976 $4,994 6.69%
    47% 479 $121,035,000 $252,683 $5,963 6.73%
    45% 478 $112,920,000 $236,234 $5,240 6.76%
    46% 467 $110,725,000 $237,099 $5,606 6.74%
    37% 465 $99,605,000 $214,204 $4,930 6.69%
    48% 464 $114,170,000 $246,056 $5,496 6.73%
    >60% 112 $39,260,000 $350,536 $7,988 6.45%

    Flat Branch Mortgage lent most frequently to those with DTI ratios of 30-36%, with 2,488 originations. The next most common DTI ratio? 20-30%, with 2,207 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 10,683 $2,410,015,000 $225,593 $5,182 6.70%
    Not provided 2,006 $468,410,000 $233,504 $5,449 6.67%
    Black 622 $130,660,000 $210,064 $6,136 6.67%
    Asian 257 $71,765,000 $279,241 $5,216 6.64%
    American Indian 307 $63,295,000 $206,173 $6,321 6.62%
    Native Hawaiian or Islander 25 $5,925,000 $237,000 $6,705 6.77%
    Japanese 1 $665,000 $665,000 $10,825 5.00%
    Filipino 1 $145,000 $145,000 $6,571 6.25%

    Approval Rates

    Total approvals of all applications
    98.53%

    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
    78.54%

    Flat Branch Mortgage has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 13,902 $3,150,880,000 $226,649

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    13,902 $3,150,880,000 $226,649

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 301 $38,115,000 $126,628 $3,401 6.49%
    40-60% 683 $137,115,000 $200,754 $3,628 6.57%
    60-80% 2,413 $579,155,000 $240,015 $4,127 6.78%
    80-100% 9,977 $2,283,285,000 $228,855 $5,563 6.68%
    Over 100% 356 $109,060,000 $306,348 $12,612 6.49%
    Under 20% 172 $4,150,000 $24,128 $657 7.28%