Flat Branch Mortgage Rates, Fees & Info
Columbia, MOLEI: 549300LXKO1O7CSK5J52
Tax ID: 20-2746596
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
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, Joplin, and Columbia among others. We have data for 253 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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.32% | 4/28/24 |
| 30 Year Conventional Purchase | 6.79% | 4/28/24 |
| 30 Year Conventional Refi | 6.71% | 4/28/24 |
| 30 Year Cash-out Refi | 6.84% | 4/28/24 |
| 30 Year FHA Purchase | 7.61% | 4/28/24 |
| 30 Year FHA Refi | 7.47% | 4/28/24 |
| 30 Year VA Purchase | 6.54% | 4/28/24 |
| 30 Year VA Refi | 6.47% | 4/28/24 |
| 30 Year USDA Purchase | 7.19% | 4/28/24 |
| 30 Year USDA Refi | 7.19% | 4/28/24 |
| 15 Year Conventional Purchase | 6.20% | 4/28/24 |
| 15 Year Conventional Refi | 6.22% | 4/28/24 |
| 15 Year Cash-out Refi | 6.22% | 4/28/24 |
| 15 Year FHA Purchase | 5.68% | 4/28/24 |
| 15 Year FHA Refi | 5.68% | 4/28/24 |
| 15 Year VA Purchase | 6.29% | 4/28/24 |
| 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
19,984Origination Dollar Volume (All Markets)
$3,732,810,000Awards
×
![]()
FLAT BRANCH MORTGAGE - 2021
FLAT BRANCH MORTGAGE is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
Work for FLAT BRANCH MORTGAGE?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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) | 2,647 | $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, KY (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% |
| Cañon 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% |
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.
CoreFirst Bank & Trust
Similarity Rank: 99
Similarity Rank: 99
Bank of the Flint Hills
Similarity Rank: 126
Similarity Rank: 126
Alliance Community Bank
Similarity Rank: 128
Similarity Rank: 128
GOLDEN PLAINS
Similarity Rank: 136
Similarity Rank: 136
HEARTLAND
Similarity Rank: 161
Similarity Rank: 161
Prairie State Bank and Trust
Similarity Rank: 174
Similarity Rank: 174
Members Mortgage Services, L.L.C.
Similarity Rank: 220
Similarity Rank: 220
SKYWARD
Similarity Rank: 240
Similarity Rank: 240
PANHANDLE FEDERAL CREDIT UNION
Similarity Rank: 264
Similarity Rank: 264
MORTGAGE CLEARING CORPORATION
Similarity Rank: 280
Similarity Rank: 280
Product Mix
For 2021, Flat Branch Mortgage's most frequently originated type of loan was Conventional, with 12,191 originations. Their 2nd most popular type was FHA, with 4,322 originations.
Loan Reason
For 2021, Flat Branch Mortgage's most frequently cited loan purpose was Home Purchase, with 14,147 originations. The 2nd most popular reason was Refi, with 4,713 originations.
Loan Duration/Length
For 2021, Flat Branch Mortgage's most frequently cited loan duration was 30 Year, with 17,762 originations. The 2nd most popular length was 15 Year, with 1,620 originations.
Origination Fees/Closing Costs
Flat Branch Mortgage's average total fees were $3,916, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.18%, while their most frequently originated rate bucket for loans was 3-4%, with 11,321 originations.
Loan Sizing
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
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
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
Approval Rates
Total approvals of all applications98.55%
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 origination80.76%
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
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% |