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 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 by origination volume include: St. Louis, Kansas City, Springfield, Columbia, and Joplin among others. We have data for 210 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.32% | 4/22/24 |
| 30 Year Conventional Purchase | 6.79% | 4/22/24 |
| 30 Year Conventional Refi | 6.71% | 4/22/24 |
| 30 Year Cash-out Refi | 6.84% | 4/22/24 |
| 30 Year FHA Purchase | 7.61% | 4/22/24 |
| 30 Year FHA Refi | 7.47% | 4/22/24 |
| 30 Year VA Purchase | 6.54% | 4/22/24 |
| 30 Year VA Refi | 6.47% | 4/22/24 |
| 30 Year USDA Purchase | 7.19% | 4/22/24 |
| 30 Year USDA Refi | 7.19% | 4/22/24 |
| 15 Year Conventional Purchase | 6.20% | 4/22/24 |
| 15 Year Conventional Refi | 6.22% | 4/22/24 |
| 15 Year Cash-out Refi | 6.22% | 4/22/24 |
| 15 Year FHA Purchase | 5.68% | 4/22/24 |
| 15 Year FHA Refi | 5.68% | 4/22/24 |
| 15 Year VA Purchase | 6.29% | 4/22/24 |
| 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
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This is not an official calculator from Flat Branch Mortgage. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
18,120Origination Dollar Volume (All Markets)
$3,545,150,000Awards
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FLAT BRANCH MORTGAGE - 2020
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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) | 2,951 | $609,645,000 | $206,589 | $3,364 | 3.13% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2,158 | $461,580,000 | $213,892 | $3,327 | 3.12% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1,726 | $317,600,000 | $184,009 | $2,900 | 3.15% |
| COLUMBIA, MO (FHA|USDA|VA) | 1,249 | $252,275,000 | $201,982 | $3,011 | 3.08% |
| JOPLIN, MO (FHA|USDA|VA) | 1,480 | $229,950,000 | $155,372 | $3,541 | 3.19% |
| Outside of Metro Areas | 1,478 | $219,180,000 | $148,295 | $3,299 | 3.22% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 715 | $155,875,000 | $218,007 | $3,962 | 3.13% |
| TULSA, OK (FHA|USDA|VA) | 750 | $153,150,000 | $204,200 | $4,935 | 3.08% |
| PEORIA, IL (FHA|USDA|VA) | 702 | $93,630,000 | $133,376 | $3,319 | 3.22% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 401 | $69,215,000 | $172,606 | $4,522 | 3.14% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 377 | $63,295,000 | $167,891 | $3,295 | 3.07% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 138 | $59,080,000 | $428,116 | $2,165 | 3.04% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 333 | $56,275,000 | $168,994 | $3,520 | 3.17% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 149 | $52,685,000 | $353,591 | $2,678 | 2.91% |
| WICHITA, KS (FHA|USDA|VA) | 288 | $46,240,000 | $160,556 | $4,224 | 3.07% |
| Warrensburg, MO (FHA|USDA|VA) | 207 | $42,405,000 | $204,855 | $3,803 | 2.91% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 195 | $37,705,000 | $193,359 | $4,707 | 3.08% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 229 | $36,215,000 | $158,144 | $4,187 | 3.06% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 75 | $28,415,000 | $378,867 | $2,547 | 2.83% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 97 | $26,905,000 | $277,371 | $3,127 | 3.14% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 74 | $26,560,000 | $358,919 | $2,040 | 3.02% |
| Rolla, MO (FHA|USDA|VA) | 135 | $22,295,000 | $165,148 | $3,981 | 3.26% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 115 | $21,515,000 | $187,087 | $3,495 | 3.10% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 55 | $19,715,000 | $358,455 | $1,616 | 3.02% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 42 | $19,700,000 | $469,048 | $1,662 | 2.94% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 46 | $18,660,000 | $405,652 | $1,750 | 2.99% |
| Marshall, MO (FHA|USDA|VA) | 139 | $17,695,000 | $127,302 | $3,097 | 3.20% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 45 | $16,865,000 | $374,778 | $2,651 | 3.12% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 37 | $16,035,000 | $433,378 | $1,553 | 3.01% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 40 | $14,530,000 | $363,250 | $1,689 | 2.98% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 39 | $14,505,000 | $371,923 | $3,021 | 2.95% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 41 | $13,705,000 | $334,268 | $3,551 | 3.09% |
| Pittsburg, KS (FHA|USDA|VA) | 116 | $13,150,000 | $113,362 | $3,668 | 3.31% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 82 | $11,970,000 | $145,976 | $3,414 | 3.38% |
| Ponca City, OK (FHA|USDA|VA) | 78 | $11,830,000 | $151,667 | $4,501 | 2.91% |
| Mexico, MO (FHA|USDA|VA) | 85 | $10,935,000 | $128,647 | $3,278 | 3.26% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 46 | $10,070,000 | $218,913 | $4,279 | 3.10% |
| Branson, MO (FHA|USDA|VA) | 51 | $9,675,000 | $189,706 | $3,395 | 3.17% |
| Lebanon, MO (FHA|USDA|VA) | 45 | $8,765,000 | $194,778 | $3,007 | 3.15% |
| Sikeston, MO (FHA|USDA|VA) | 58 | $8,230,000 | $141,897 | $3,385 | 3.31% |
| Moberly, MO (FHA|USDA|VA) | 51 | $7,865,000 | $154,216 | $2,788 | 3.22% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 47 | $7,715,000 | $164,149 | $2,838 | 3.01% |
| Sedalia, MO (FHA|USDA|VA) | 51 | $7,695,000 | $150,882 | $3,585 | 3.24% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 15 | $7,085,000 | $472,333 | $1,583 | 2.95% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 14 | $7,080,000 | $505,714 | $2,549 | 2.99% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 15 | $5,765,000 | $384,333 | $5,223 | 2.87% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 13 | $5,355,000 | $411,923 | $1,429 | 3.10% |
| LAWRENCE, KS (FHA|USDA|VA) | 23 | $5,355,000 | $232,826 | $4,234 | 3.30% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 16 | $5,280,000 | $330,000 | $2,144 | 2.95% |
| TOPEKA, KS (FHA|USDA|VA) | 29 | $5,225,000 | $180,172 | $3,758 | 3.29% |
| Muskogee, OK (FHA|USDA|VA) | 34 | $5,150,000 | $151,471 | $4,048 | 3.12% |
| Farmington, MO (FHA|USDA|VA) | 29 | $4,635,000 | $159,828 | $4,257 | 3.31% |
| KANKAKEE, IL (FHA|USDA|VA) | 26 | $4,200,000 | $161,538 | $2,779 | 3.17% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 10 | $3,750,000 | $375,000 | $4,675 | 3.13% |
| Miami, OK (FHA|USDA|VA) | 27 | $3,695,000 | $136,852 | $4,070 | 3.17% |
| Poplar Bluff, MO (FHA|USDA|VA) | 26 | $3,500,000 | $134,615 | $3,338 | 3.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 10 | $3,410,000 | $341,000 | $2,468 | 3.15% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 10 | $3,360,000 | $336,000 | $2,470 | 3.15% |
| DANVILLE, IL (FHA|USDA|VA) | 27 | $3,305,000 | $122,407 | $3,723 | 3.15% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 10 | $3,290,000 | $329,000 | $3,435 | 2.94% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 10 | $3,110,000 | $311,000 | $3,243 | 3.06% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 9 | $3,075,000 | $341,667 | $2,716 | 3.00% |
| BOULDER, CO (FHA|USDA|VA) | 7 | $3,035,000 | $433,571 | $1,714 | 3.05% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 9 | $2,975,000 | $330,556 | $3,953 | 3.11% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $2,855,000 | $407,857 | $1,249 | 3.12% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 7 | $2,765,000 | $395,000 | $1,294 | 2.84% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 7 | $2,705,000 | $386,429 | $1,306 | 3.05% |
| Coffeyville, KS (FHA|USDA|VA) | 26 | $2,640,000 | $101,538 | $3,864 | 3.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 8 | $2,590,000 | $323,750 | $3,552 | 2.95% |
| Bartlesville, OK (FHA|USDA|VA) | 21 | $2,525,000 | $120,238 | $5,852 | 3.11% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $2,280,000 | $380,000 | $1,704 | 3.15% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 5 | $2,195,000 | $439,000 | $1,395 | 2.95% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 6 | $2,130,000 | $355,000 | $1,539 | 3.29% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 7 | $2,075,000 | $296,429 | $3,277 | 3.04% |
| LINCOLN, NE (FHA|USDA|VA) | 5 | $1,985,000 | $397,000 | $1,294 | 3.05% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $2,725 | 3.12% |
| DECATUR, IL (FHA|USDA|VA) | 8 | $1,800,000 | $225,000 | $5,416 | 2.92% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 5 | $1,785,000 | $357,000 | $2,070 | 2.75% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $1,730,000 | $432,500 | $1,776 | 2.72% |
| LOUISVILLE, KY (FHA|USDA|VA) | 6 | $1,700,000 | $283,333 | $1,937 | 3.40% |
| Harrison, AR (FHA|USDA|VA) | 9 | $1,685,000 | $187,222 | $3,505 | 3.24% |
| Batesville, AR (FHA|USDA|VA) | 13 | $1,615,000 | $124,231 | $5,441 | 3.20% |
| Maryville, MO (FHA|USDA|VA) | 12 | $1,610,000 | $134,167 | $2,782 | 3.57% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 12 | $1,520,000 | $126,667 | $2,933 | 3.07% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 6 | $1,490,000 | $248,333 | $2,674 | 3.15% |
| Quincy, IL-MO (FHA|USDA|VA) | 12 | $1,480,000 | $123,333 | $2,414 | 3.31% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $1,475,000 | $491,667 | $1,998 | 3.12% |
| Marion, IN (FHA|USDA|VA) | 11 | $1,455,000 | $132,273 | $4,622 | 3.27% |
| ROCKFORD, IL (FHA|USDA|VA) | 12 | $1,440,000 | $120,000 | $2,972 | 2.93% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $1,405,000 | $200,714 | $3,414 | 3.07% |
| Lincoln, IL (FHA|USDA|VA) | 10 | $1,390,000 | $139,000 | $3,939 | 3.49% |
| Kirksville, MO (FHA|USDA|VA) | 9 | $1,355,000 | $150,556 | $2,947 | 3.28% |
| Key West, FL (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $4,735 | 2.88% |
| Searcy, AR (FHA|USDA|VA) | 9 | $1,255,000 | $139,444 | $5,004 | 3.43% |
| Parsons, KS (FHA|USDA|VA) | 14 | $1,230,000 | $87,857 | $2,890 | 3.32% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $1,729 | 2.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $1,640 | 3.92% |
| West Plains, MO (FHA|USDA|VA) | 7 | $1,075,000 | $153,571 | $4,333 | 3.14% |
| Tahlequah, OK (FHA|USDA|VA) | 9 | $1,055,000 | $117,222 | $4,381 | 3.06% |
| McAlester, OK (FHA|USDA|VA) | 8 | $1,040,000 | $130,000 | $3,601 | 3.13% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 8 | $1,030,000 | $128,750 | $2,811 | 3.19% |
| JONESBORO, AR (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $5,967 | 3.05% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $5,887 | 3.00% |
| WACO, TX (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $3,135 | 3.38% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $3,177 | 3.42% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $1,873 | 3.06% |
| Ada, OK (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $5,848 | 3.45% |
| Taylorville, IL (FHA|USDA|VA) | 8 | $870,000 | $108,750 | $2,799 | 3.03% |
| GAINESVILLE, GA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $4,128 | 3.08% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $3,574 | 3.03% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $2,010 | 2.81% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $2,394 | 2.96% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $3,613 | 3.12% |
| Ottawa, KS (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $4,435 | 3.16% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $1,581 | 3.31% |
| OCALA, FL (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $6,070 | 3.13% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $2,344 | 2.75% |
| Ottawa, IL (FHA|USDA|VA) | 7 | $745,000 | $106,429 | $3,012 | 3.43% |
| SALEM, OR (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,257 | 3.00% |
| Stillwater, OK (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $4,502 | 3.09% |
| Winfield, KS (FHA|USDA|VA) | 8 | $730,000 | $91,250 | $3,760 | 3.19% |
| Jacksonville, IL (FHA|USDA|VA) | 5 | $725,000 | $145,000 | $4,104 | 2.95% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $4,824 | 2.92% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $1,739 | 3.13% |
| Galesburg, IL (FHA|USDA|VA) | 6 | $710,000 | $118,333 | $3,258 | 2.85% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,546 | 3.19% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $2,765 | 2.69% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,168 | 2.88% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,214 | 2.75% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $2,939 | 2.56% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $1,607 | 3.37% |
| Kennett, MO (FHA|USDA|VA) | 7 | $665,000 | $95,000 | $3,368 | 3.45% |
| NAPA, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $1,328 | 3.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $1,514 | 2.75% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $10,500 | 3.06% |
| Mountain Home, AR (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,496 | 3.29% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $3,536 | 3.21% |
| Edwards, CO (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $1,499 | 3.25% |
| KOKOMO, IN (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $2,978 | 2.88% |
| ROME, GA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $1,887 | 3.25% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,628 | 2.81% |
| Rochelle, IL (FHA|USDA|VA) | 5 | $465,000 | $93,000 | $2,449 | 2.73% |
| Hope, AR (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,352 | 3.13% |
| Hannibal, MO (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,256 | 3.25% |
| MADISON, WI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $1,037 | 3.50% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,558 | 3.50% |
| Taos, NM (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $1,842 | 3.12% |
| BEND, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,129 | 3.00% |
| Russellville, AR (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,953 | 3.13% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $1,619 | 2.75% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $1,129 | 3.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,292 | 3.12% |
| Durant, OK (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,613 | 3.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $1,967 | 3.06% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $15,881 | 2.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $1,237 | 2.75% |
| Picayune, MS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,099 | 2.75% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,382 | 3.00% |
| Prineville, OR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,324 | 3.50% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,163 | 2.81% |
| AMES, IA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,030 | 2.75% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,900 | 3.50% |
| Pontiac, IL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,946 | 3.31% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,204 | 3.13% |
| Columbus, MS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,579 | 2.75% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,333 | 3.50% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $2,753 | 2.50% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,691 | 2.88% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,039 | 3.25% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,199 | 3.63% |
| Salina, KS (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,534 | 3.13% |
| Astoria, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,924 | 3.00% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,950 | 2.38% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,342 | 3.13% |
| Angola, IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,094 | 2.63% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,062 | 3.38% |
| Macomb, IL (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $2,802 | 3.67% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,124 | 3.38% |
| Malvern, AR (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,014 | 2.63% |
| Shawnee, OK (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,179 | 3.00% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,931 | 3.50% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,647 | 2.88% |
| PINE BLUFF, AR (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,173 | 2.88% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,376 | 2.88% |
| Elk City, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,605 | 2.88% |
| Paragould, AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,835 | 3.50% |
| Garden City, KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,558 | 2.75% |
| Hays, KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,496 | 3.13% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,571 | 2.63% |
| TYLER, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,081 | 2.63% |
| LAWTON, OK (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,450 | 3.13% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,088 | 2.50% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,330 | 3.38% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,607 | 3.38% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,212 | 2.63% |
| Effingham, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,516 | 2.75% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,329 | 2.88% |
| Atchison, KS (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,861 | 3.69% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,174 | 3.13% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,036 | 2.88% |
| Dyersburg, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,412 | 3.00% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $2,724 | 4.31% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,580 | 4.00% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,382 | 3.13% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,859 | 3.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,230 | 3.38% |
| Helena-West Helena, AR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,296 | 2.50% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,910 | 3.50% |
| Guymon, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,360 | 2.63% |
| Peru, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,916 | 4.25% |
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.
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Product Mix
For 2020, Flat Branch Mortgage's most frequently originated type of loan was Conventional, with 11,468 originations. Their 2nd most popular type was FHA, with 3,168 originations.
Loan Reason
For 2020, Flat Branch Mortgage's most frequently cited loan purpose was Home Purchase, with 11,808 originations. The 2nd most popular reason was Refi, with 5,162 originations.
Loan Duration/Length
For 2020, Flat Branch Mortgage's most frequently cited loan duration was 30 Year, with 15,642 originations. The 2nd most popular length was 15 Year, with 1,644 originations.
Origination Fees/Closing Costs
Flat Branch Mortgage's average total fees were $3,590, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 13,831 originations.
Interest Rates
During 2020, Flat Branch Mortgage's average interest rate for loans was 3.18%, while their most frequently originated rate bucket for loans was 3-4%, with 8,538 originations.
Loan Sizing
2020 saw Flat Branch Mortgage place emphasis on $100k-200k loans with 8,511 originations, totaling $1,268,235,000 in origination value.
Applicant Income
Flat Branch Mortgage lent most frequently to those with incomes in the $50k or less range, with 4,986 originations. The second most popular income band? $50k-75k, with 4,830 originations.
Applicant Debt to Income Ratio
Flat Branch Mortgage lent most frequently to those with DTI ratios of 20-30%, with 4,556 originations. The next most common DTI ratio? 30-36%, with 3,495 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.65%
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 origination80.60%
Flat Branch Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 18,120 | $3,545,150,000 | $195,648 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 119 | $13,195,000 | $110,882 |
| Single Family (1-4 Units):Site-Built | 18,001 | $3,531,955,000 | $196,209 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Flat Branch Mortgage, Inc. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |