Flat Branch Mortgage Rates, Fees & Info
Columbia, MOLEI: 549300LXKO1O7CSK5J52
Tax ID: 20-2746596
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Mortgage Data
Review & Overview
Flat Branch Mortgage is a small 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: St. Louis, Kansas City, Fayetteville, Tulsa, and Springfield among others. We have data for 243 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 an average 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 relatively high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.32% | 11/17/24 |
| 30 Year Conventional Purchase | 6.79% | 11/17/24 |
| 30 Year Conventional Refi | 6.71% | 11/17/24 |
| 30 Year Cash-out Refi | 6.84% | 11/17/24 |
| 30 Year FHA Purchase | 7.61% | 11/17/24 |
| 30 Year FHA Refi | 7.47% | 11/17/24 |
| 30 Year VA Purchase | 6.54% | 11/17/24 |
| 30 Year VA Refi | 6.47% | 11/17/24 |
| 30 Year USDA Purchase | 7.19% | 11/17/24 |
| 30 Year USDA Refi | 7.19% | 11/17/24 |
| 15 Year Conventional Purchase | 6.20% | 11/17/24 |
| 15 Year Conventional Refi | 6.22% | 11/17/24 |
| 15 Year Cash-out Refi | 6.22% | 11/17/24 |
| 15 Year FHA Purchase | 5.68% | 11/17/24 |
| 15 Year FHA Refi | 5.68% | 11/17/24 |
| 15 Year VA Purchase | 6.29% | 11/17/24 |
| 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
12,575Origination Dollar Volume (All Markets)
$2,689,135,000Awards
FLAT BRANCH MORTGAGE - 2023
FLAT BRANCH MORTGAGE is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Flat Branch Mortgage's average 30 year fixed mortgage rate was
6.82%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.34%.
Relative Fees (Closing Costs)
Flat Branch Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,232.
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 $9,089.
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 |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1,496 | $376,360,000 | $251,578 | $4,829 | 6.89% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1,011 | $256,635,000 | $253,843 | $5,166 | 6.87% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 770 | $236,540,000 | $307,195 | $5,971 | 6.66% |
| Outside of Metro Areas | 1,223 | $203,825,000 | $166,660 | $5,004 | 6.86% |
| TULSA, OK (FHA|USDA|VA) | 700 | $172,170,000 | $245,957 | $7,139 | 6.75% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 653 | $151,415,000 | $231,876 | $4,715 | 6.81% |
| JOPLIN, MO (FHA|USDA|VA) | 807 | $147,345,000 | $182,584 | $4,871 | 6.79% |
| COLUMBIA, MO (FHA|USDA|VA) | 433 | $105,975,000 | $244,746 | $4,164 | 6.81% |
| PEORIA, IL (FHA|USDA|VA) | 651 | $96,525,000 | $148,272 | $3,917 | 6.71% |
| WICHITA, KS (FHA|USDA|VA) | 465 | $93,875,000 | $201,882 | $5,879 | 6.68% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 425 | $81,185,000 | $191,024 | $3,933 | 6.84% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 357 | $76,255,000 | $213,599 | $4,551 | 6.87% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 258 | $64,700,000 | $250,775 | $7,006 | 6.87% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 183 | $37,715,000 | $206,093 | $6,691 | 6.75% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 182 | $34,440,000 | $189,231 | $6,515 | 6.69% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 179 | $30,375,000 | $169,693 | $4,270 | 6.74% |
| Warrensburg, MO (FHA|USDA|VA) | 116 | $26,490,000 | $228,362 | $5,219 | 6.71% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 99 | $24,355,000 | $246,010 | $6,928 | 6.69% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 78 | $17,150,000 | $219,872 | $5,248 | 6.92% |
| TOPEKA, KS (FHA|USDA|VA) | 87 | $15,905,000 | $182,816 | $4,302 | 7.28% |
| LUBBOCK, TX (FHA|USDA|VA) | 63 | $15,835,000 | $251,349 | $8,109 | 6.57% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 80 | $14,860,000 | $185,750 | $4,621 | 6.63% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 66 | $14,410,000 | $218,333 | $4,592 | 7.03% |
| Pittsburg, KS (FHA|USDA|VA) | 99 | $13,635,000 | $137,727 | $5,110 | 6.93% |
| Mexico, MO (FHA|USDA|VA) | 85 | $13,525,000 | $159,118 | $4,198 | 6.76% |
| Ponca City, OK (FHA|USDA|VA) | 94 | $12,990,000 | $138,191 | $5,043 | 6.78% |
| Sedalia, MO (FHA|USDA|VA) | 70 | $12,460,000 | $178,000 | $4,299 | 6.79% |
| DECATUR, IL (FHA|USDA|VA) | 87 | $11,785,000 | $135,460 | $5,070 | 7.04% |
| Lebanon, MO (FHA|USDA|VA) | 59 | $11,275,000 | $191,102 | $5,572 | 6.82% |
| Rolla, MO (FHA|USDA|VA) | 51 | $10,685,000 | $209,510 | $6,073 | 6.86% |
| McPherson, KS (FHA|USDA|VA) | 59 | $10,225,000 | $173,305 | $5,170 | 6.84% |
| Coffeyville, KS (FHA|USDA|VA) | 82 | $9,920,000 | $120,976 | $4,790 | 6.81% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 25 | $9,585,000 | $383,400 | $8,042 | 6.77% |
| PROVO-OREM, UT (FHA|USDA|VA) | 19 | $9,205,000 | $484,474 | $9,183 | 6.68% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 54 | $8,990,000 | $166,481 | $4,254 | 6.79% |
| DANVILLE, IL (FHA|USDA|VA) | 70 | $8,730,000 | $124,714 | $4,550 | 6.82% |
| Marshall, MO (FHA|USDA|VA) | 62 | $8,320,000 | $134,194 | $4,358 | 6.75% |
| Moberly, MO (FHA|USDA|VA) | 44 | $8,230,000 | $187,045 | $4,431 | 6.71% |
| Branson, MO (FHA|USDA|VA) | 38 | $7,990,000 | $210,263 | $5,943 | 6.83% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 21 | $7,755,000 | $369,286 | $8,603 | 6.90% |
| Muskogee, OK (FHA|USDA|VA) | 42 | $6,620,000 | $157,619 | $5,710 | 6.66% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 54 | $6,380,000 | $118,148 | $4,406 | 6.91% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 31 | $6,115,000 | $197,258 | $6,260 | 6.91% |
| MIDLAND, TX (FHA|USDA|VA) | 23 | $6,075,000 | $264,130 | $9,019 | 6.64% |
| Levelland, TX (FHA|USDA|VA) | 30 | $6,030,000 | $201,000 | $9,665 | 6.40% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 43 | $5,825,000 | $135,465 | $4,126 | 6.65% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 32 | $5,780,000 | $180,625 | $5,059 | 6.82% |
| Miami, OK (FHA|USDA|VA) | 43 | $5,745,000 | $133,605 | $5,339 | 6.99% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 16 | $5,610,000 | $350,625 | $6,425 | 6.86% |
| Quincy, IL-MO (FHA|USDA|VA) | 35 | $5,305,000 | $151,571 | $5,041 | 6.59% |
| Kirksville, MO (FHA|USDA|VA) | 33 | $5,005,000 | $151,667 | $3,659 | 6.72% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 13 | $4,735,000 | $364,231 | $4,931 | 7.59% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 12 | $4,730,000 | $394,167 | $9,206 | 6.62% |
| Parsons, KS (FHA|USDA|VA) | 38 | $4,460,000 | $117,368 | $4,527 | 6.85% |
| Sikeston, MO (FHA|USDA|VA) | 30 | $4,070,000 | $135,667 | $4,162 | 6.93% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 16 | $3,740,000 | $233,750 | $5,413 | 6.73% |
| Hannibal, MO (FHA|USDA|VA) | 25 | $3,655,000 | $146,200 | $4,907 | 6.82% |
| Poplar Bluff, MO (FHA|USDA|VA) | 21 | $3,595,000 | $171,190 | $3,979 | 7.05% |
| Bartlesville, OK (FHA|USDA|VA) | 22 | $3,380,000 | $153,636 | $6,777 | 6.78% |
| Searcy, AR (FHA|USDA|VA) | 23 | $3,355,000 | $145,870 | $5,627 | 7.04% |
| Farmington, MO (FHA|USDA|VA) | 20 | $3,300,000 | $165,000 | $5,593 | 6.62% |
| Pontiac, IL (FHA|USDA|VA) | 23 | $2,845,000 | $123,696 | $4,136 | 6.83% |
| ODESSA, TX (FHA|USDA|VA) | 14 | $2,830,000 | $202,143 | $9,369 | 6.57% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 8 | $2,590,000 | $323,750 | $6,858 | 6.84% |
| MANHATTAN, KS (FHA|USDA|VA) | 11 | $2,575,000 | $234,091 | $6,754 | 6.94% |
| LAWTON, OK (FHA|USDA|VA) | 13 | $2,515,000 | $193,462 | $6,954 | 6.51% |
| Taylorville, IL (FHA|USDA|VA) | 18 | $2,460,000 | $136,667 | $5,040 | 6.72% |
| LAWRENCE, KS (FHA|USDA|VA) | 10 | $2,440,000 | $244,000 | $5,483 | 6.61% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $2,395,000 | $479,000 | $11,255 | 6.65% |
| KNOXVILLE, TN (FHA|USDA|VA) | 7 | $2,385,000 | $340,714 | $6,685 | 7.13% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 8 | $2,210,000 | $276,250 | $7,131 | 6.86% |
| McAlester, OK (FHA|USDA|VA) | 13 | $2,185,000 | $168,077 | $5,535 | 6.81% |
| Guymon, OK (FHA|USDA|VA) | 12 | $2,140,000 | $178,333 | $6,407 | 6.86% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 17 | $2,135,000 | $125,588 | $4,306 | 6.67% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 8 | $2,030,000 | $253,750 | $4,798 | 6.78% |
| Stillwater, OK (FHA|USDA|VA) | 8 | $1,960,000 | $245,000 | $6,534 | 6.89% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $1,955,000 | $279,286 | $9,751 | 6.48% |
| Tahlequah, OK (FHA|USDA|VA) | 9 | $1,955,000 | $217,222 | $6,742 | 6.92% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5 | $1,855,000 | $371,000 | $11,272 | 7.43% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $1,785,000 | $1,785,000 | $5,040 | 7.38% |
| Galesburg, IL (FHA|USDA|VA) | 13 | $1,725,000 | $132,692 | $3,560 | 6.95% |
| Batesville, AR (FHA|USDA|VA) | 9 | $1,695,000 | $188,333 | $5,431 | 7.25% |
| Hutchinson, KS (FHA|USDA|VA) | 12 | $1,660,000 | $138,333 | $5,359 | 6.73% |
| Winfield, KS (FHA|USDA|VA) | 10 | $1,280,000 | $128,000 | $4,312 | 6.47% |
| Macomb, IL (FHA|USDA|VA) | 11 | $1,245,000 | $113,182 | $4,268 | 6.99% |
| Mountain Home, AR (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $5,388 | 6.88% |
| Lincoln, IL (FHA|USDA|VA) | 9 | $1,205,000 | $133,889 | $3,814 | 7.01% |
| IOWA CITY, IA (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $4,492 | 6.21% |
| PINE BLUFF, AR (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $6,779 | 6.77% |
| Ottawa, KS (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $5,020 | 6.55% |
| Plainview, TX (FHA|USDA|VA) | 8 | $1,040,000 | $130,000 | $6,030 | 6.78% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $7,268 | 6.75% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $5,293 | 6.87% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $9,283 | 6.96% |
| Paducah, KY-IL (FHA|USDA|VA) | 7 | $935,000 | $133,571 | $5,200 | 7.09% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $5,422 | 6.75% |
| Ottawa, IL (FHA|USDA|VA) | 8 | $900,000 | $112,500 | $3,998 | 6.38% |
| Centralia, IL (FHA|USDA|VA) | 7 | $895,000 | $127,857 | $3,697 | 6.86% |
| Salina, KS (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $5,158 | 7.00% |
| Harrison, AR (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $5,240 | 6.58% |
| Effingham, IL (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $4,528 | 7.12% |
| Great Bend, KS (FHA|USDA|VA) | 6 | $860,000 | $143,333 | $6,054 | 6.92% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $3,800 | 6.95% |
| Hays, KS (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $5,663 | 7.10% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $6,791 | 6.71% |
| West Plains, MO (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $3,940 | 7.27% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,604 | 6.75% |
| Forrest City, AR (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $5,532 | 6.69% |
| Kennett, MO (FHA|USDA|VA) | 7 | $775,000 | $110,714 | $5,618 | 7.27% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $8,005 | 6.38% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,623 | 6.91% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,569 | 6.88% |
| Jacksonville, IL (FHA|USDA|VA) | 6 | $730,000 | $121,667 | $3,794 | 7.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $9,134 | 6.63% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $4,884 | 5.63% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $7,094 | 6.49% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $9,086 | 7.13% |
| WACO, TX (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $7,504 | 6.04% |
| Mount Vernon, IL (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $4,978 | 7.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $6,102 | 6.81% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $5,533 | 7.25% |
| JONESBORO, AR (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $7,559 | 6.79% |
| MANSFIELD, OH (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $9,320 | 6.88% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $6,601 | 7.08% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $11,226 | 7.56% |
| Albertville, AL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $8,549 | 6.37% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,429 | 6.94% |
| Vernon, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $10,414 | 6.94% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $11,556 | 6.25% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $12,119 | 6.75% |
| Mayfield, KY (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $4,597 | 6.58% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $6,235 | 6.63% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,265 | 5.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $12,795 | 6.25% |
| Murray, KY (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $3,971 | 6.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,150 | 7.50% |
| MUNCIE, IN (FHA|USDA|VA) | 5 | $435,000 | $87,000 | $3,277 | 7.67% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,054 | 7.63% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,221 | 6.38% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,462 | 6.13% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,349 | 7.50% |
| Dumas, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,648 | 7.12% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,472 | 6.50% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $16,633 | 6.25% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,010 | 7.44% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,627 | 7.25% |
| ENID, OK (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,172 | 6.56% |
| Peru, IN (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $4,389 | 6.88% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,257 | 6.13% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,829 | 6.75% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $6,001 | 6.71% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $11,164 | 7.13% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,977 | 6.94% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,448 | 7.25% |
| Emporia, KS (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $7,584 | 6.88% |
| Garden City, KS (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,363 | 7.44% |
| Malvern, AR (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,699 | 6.88% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $9,241 | 6.81% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,257 | 6.25% |
| Granbury, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,000 | 6.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,556 | 7.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,368 | 6.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,286 | 5.75% |
| Russellville, AR (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,595 | 6.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,494 | 7.50% |
| Weatherford, OK (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,232 | 6.31% |
| Atmore, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,084 | 6.75% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,727 | 7.13% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,976 | 7.25% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,556 | 6.75% |
| Athens, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,567 | 7.25% |
| Ada, OK (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,640 | 6.94% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,932 | 7.63% |
| Payson, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,660 | 7.00% |
| Maryville, MO (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,722 | 6.88% |
| AKRON, OH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,228 | 7.06% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,467 | 6.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,351 | 6.38% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,646 | 7.13% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $14,903 | 5.25% |
| Helena-West Helena, AR (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,089 | 6.62% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,495 | 6.44% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,408 | 6.75% |
| Oxford, MS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,192 | 6.75% |
| Duncan, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,832 | 8.13% |
| OCALA, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,837 | 6.88% |
| Liberal, KS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,822 | 7.06% |
| Shawnee, OK (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,882 | 7.38% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,509 | 7.38% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,687 | 6.99% |
| Fort Dodge, IA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,707 | 6.88% |
| Jasper, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,753 | 6.25% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,277 | 8.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,518 | 7.25% |
| Andrews, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,899 | 7.13% |
| Clarksdale, MS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,778 | 7.13% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,068 | 7.13% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.88% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,880 | 6.50% |
| Rockport, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,053 | 5.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,736 | 6.50% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,460 | 6.99% |
| Carroll, IA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,438 | 6.99% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,379 | 5.99% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,064 | 6.99% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,223 | 7.25% |
| New Castle, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,061 | 6.25% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,485 | 7.13% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,977 | 6.99% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,108 | 6.88% |
| Marion, IN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $3,177 | 6.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,853 | 6.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,821 | 7.50% |
| Logansport, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,239 | 6.13% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,130 | 6.88% |
| Sterling, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,308 | 6.50% |
| Fremont, NE (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,363 | 7.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,911 | 7.13% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,859 | 7.38% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,918 | 7.13% |
| Wabash, IN (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $5,157 | 7.63% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,323 | 6.63% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,700 | 5.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $3,021 | 7.56% |
| Paragould, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,157 | 7.25% |
| Newport, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,396 | 6.99% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,297 | 6.63% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,905 | 8.63% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,156 | 5.99% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,520 | 7.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,933 | 6.13% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,219 | 6.38% |
| London, KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,740 | 7.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,516 | 5.75% |
| DuBois, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,761 | 6.75% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,528 | 5.88% |
| Arkadelphia, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,867 | 6.13% |
| Athens, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,439 | 7.49% |
| Portales, NM (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,208 | 7.50% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,233 | 7.63% |
| TYLER, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,682 | 6.75% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,970 | 7.99% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,875 | 7.75% |
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Product Mix
For 2023, Flat Branch Mortgage's most frequently originated type of loan was Conventional, with 7,347 originations. Their 2nd most popular type was FHA, with 3,277 originations.
Loan Reason
For 2023, Flat Branch Mortgage's most frequently cited loan purpose was Home Purchase, with 11,804 originations. The 2nd most popular reason was Cash Out Refi, with 372 originations.
Loan Duration/Length
For 2023, Flat Branch Mortgage's most frequently cited loan duration was 30 Year, with 12,339 originations. The 2nd most popular length was 15 Year, with 129 originations.
Origination Fees/Closing Costs
Flat Branch Mortgage's average total fees were $5,232, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,390 originations.
Interest Rates
During 2023, Flat Branch Mortgage's average interest rate for loans was 6.82%, while their most frequently originated rate bucket for loans was 6-7%, with 7,012 originations.
Loan Sizing
2023 saw Flat Branch Mortgage place emphasis on $100k-200k loans with 5,208 originations, totaling $787,630,000 in origination value.
Applicant Income
Flat Branch Mortgage lent most frequently to those with incomes in the $50k-75k range, with 3,539 originations. The second most popular income band? $75k-100k, with 2,566 originations.
Applicant Debt to Income Ratio
Flat Branch Mortgage lent most frequently to those with DTI ratios of 30-36%, with 2,279 originations. The next most common DTI ratio? 20-30%, with 2,055 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.17%
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 origination77.22%
Flat Branch Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 12,575 | $2,689,135,000 | $213,848 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 12,575 | $2,689,135,000 | $213,848 |