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. Their top markets by origination volume include: St. Louis, Kansas City, Fayetteville, Tulsa, and Springfield among others. We have data for 239 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% | 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
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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
14,280Origination Dollar Volume (All Markets)
$2,925,560,000Awards
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FLAT BRANCH MORTGAGE - 2022
FLAT BRANCH MORTGAGE is a 2022 , due to their low .
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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) | 1,535 | $360,905,000 | $235,117 | $4,385 | 5.14% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1,206 | $296,080,000 | $245,506 | $4,265 | 5.01% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 796 | $223,330,000 | $280,565 | $5,147 | 5.07% |
| TULSA, OK (FHA|USDA|VA) | 853 | $213,845,000 | $250,698 | $6,439 | 5.00% |
| Outside of Metro Areas | 1,335 | $213,455,000 | $159,891 | $4,247 | 5.13% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 962 | $210,880,000 | $219,210 | $3,946 | 4.94% |
| JOPLIN, MO (FHA|USDA|VA) | 1,182 | $209,030,000 | $176,844 | $4,375 | 5.04% |
| COLUMBIA, MO (FHA|USDA|VA) | 597 | $145,385,000 | $243,526 | $3,717 | 4.98% |
| PEORIA, IL (FHA|USDA|VA) | 792 | $111,240,000 | $140,455 | $3,621 | 5.14% |
| WICHITA, KS (FHA|USDA|VA) | 566 | $104,920,000 | $185,371 | $4,972 | 5.14% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 478 | $92,300,000 | $193,096 | $4,047 | 5.09% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 481 | $88,435,000 | $183,857 | $3,656 | 5.19% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 257 | $56,105,000 | $218,307 | $5,846 | 5.10% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 244 | $50,820,000 | $208,279 | $5,985 | 4.95% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 205 | $40,535,000 | $197,732 | $6,172 | 4.95% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 211 | $32,545,000 | $154,242 | $3,992 | 5.06% |
| Warrensburg, MO (FHA|USDA|VA) | 116 | $25,620,000 | $220,862 | $4,685 | 5.08% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 95 | $21,735,000 | $228,789 | $4,200 | 5.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 71 | $17,615,000 | $248,099 | $6,050 | 5.30% |
| Rolla, MO (FHA|USDA|VA) | 94 | $17,110,000 | $182,021 | $4,569 | 4.85% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 84 | $16,320,000 | $194,286 | $4,444 | 5.03% |
| Ponca City, OK (FHA|USDA|VA) | 113 | $15,595,000 | $138,009 | $5,087 | 5.10% |
| Pittsburg, KS (FHA|USDA|VA) | 108 | $14,930,000 | $138,241 | $4,068 | 5.23% |
| Mexico, MO (FHA|USDA|VA) | 99 | $14,155,000 | $142,980 | $3,663 | 5.17% |
| Lebanon, MO (FHA|USDA|VA) | 80 | $13,010,000 | $162,625 | $4,113 | 5.00% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 74 | $12,550,000 | $169,595 | $4,096 | 5.17% |
| McPherson, KS (FHA|USDA|VA) | 68 | $11,740,000 | $172,647 | $4,734 | 5.12% |
| Marshall, MO (FHA|USDA|VA) | 85 | $11,665,000 | $137,235 | $3,899 | 5.26% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 52 | $10,330,000 | $198,654 | $4,536 | 5.24% |
| DANVILLE, IL (FHA|USDA|VA) | 77 | $9,965,000 | $129,416 | $4,019 | 5.17% |
| Branson, MO (FHA|USDA|VA) | 42 | $9,100,000 | $216,667 | $4,750 | 5.01% |
| Moberly, MO (FHA|USDA|VA) | 57 | $8,895,000 | $156,053 | $3,702 | 5.21% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 19 | $7,755,000 | $408,158 | $9,256 | 4.87% |
| DECATUR, IL (FHA|USDA|VA) | 57 | $7,505,000 | $131,667 | $3,946 | 5.50% |
| TOPEKA, KS (FHA|USDA|VA) | 50 | $7,330,000 | $146,600 | $4,759 | 5.27% |
| Poplar Bluff, MO (FHA|USDA|VA) | 43 | $6,795,000 | $158,023 | $4,210 | 5.26% |
| Coffeyville, KS (FHA|USDA|VA) | 52 | $6,570,000 | $126,346 | $4,406 | 5.20% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 17 | $6,205,000 | $365,000 | $8,355 | 4.61% |
| Searcy, AR (FHA|USDA|VA) | 33 | $5,945,000 | $180,152 | $5,503 | 5.16% |
| Sikeston, MO (FHA|USDA|VA) | 41 | $5,915,000 | $144,268 | $3,798 | 5.48% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 31 | $5,775,000 | $186,290 | $3,341 | 4.88% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 14 | $5,630,000 | $402,143 | $7,970 | 5.16% |
| Sedalia, MO (FHA|USDA|VA) | 35 | $5,585,000 | $159,571 | $4,445 | 5.13% |
| Farmington, MO (FHA|USDA|VA) | 27 | $5,495,000 | $203,519 | $5,547 | 5.40% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 31 | $5,225,000 | $168,548 | $5,760 | 5.23% |
| Muskogee, OK (FHA|USDA|VA) | 31 | $5,225,000 | $168,548 | $5,924 | 5.08% |
| Kirksville, MO (FHA|USDA|VA) | 35 | $4,725,000 | $135,000 | $3,322 | 5.25% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 21 | $4,695,000 | $223,571 | $5,680 | 4.80% |
| Miami, OK (FHA|USDA|VA) | 33 | $4,675,000 | $141,667 | $5,180 | 5.36% |
| Parsons, KS (FHA|USDA|VA) | 34 | $4,050,000 | $119,118 | $3,653 | 5.06% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 12 | $3,980,000 | $331,667 | $8,813 | 5.19% |
| Guymon, OK (FHA|USDA|VA) | 21 | $3,455,000 | $164,524 | $4,963 | 4.61% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 15 | $3,415,000 | $227,667 | $5,090 | 5.01% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 9 | $3,235,000 | $359,444 | $8,457 | 4.57% |
| Bartlesville, OK (FHA|USDA|VA) | 18 | $3,200,000 | $177,778 | $5,642 | 5.07% |
| Hannibal, MO (FHA|USDA|VA) | 21 | $3,055,000 | $145,476 | $4,289 | 5.83% |
| LUBBOCK, TX (FHA|USDA|VA) | 12 | $2,990,000 | $249,167 | $7,215 | 6.10% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 26 | $2,880,000 | $110,769 | $4,083 | 5.35% |
| Pontiac, IL (FHA|USDA|VA) | 22 | $2,790,000 | $126,818 | $4,479 | 5.28% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 8 | $2,570,000 | $321,250 | $10,943 | 4.97% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $2,510,000 | $313,750 | $12,823 | 4.58% |
| McAlester, OK (FHA|USDA|VA) | 10 | $2,290,000 | $229,000 | $5,309 | 4.62% |
| Galesburg, IL (FHA|USDA|VA) | 18 | $2,280,000 | $126,667 | $3,392 | 4.94% |
| LAWRENCE, KS (FHA|USDA|VA) | 9 | $2,175,000 | $241,667 | $2,739 | 5.64% |
| WACO, TX (FHA|USDA|VA) | 7 | $2,065,000 | $295,000 | $5,952 | 4.91% |
| PUEBLO, CO (FHA|USDA|VA) | 6 | $1,930,000 | $321,667 | $8,464 | 4.90% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $1,915,000 | $638,333 | $6,598 | 4.83% |
| Taylorville, IL (FHA|USDA|VA) | 19 | $1,875,000 | $98,684 | $4,319 | 5.51% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $1,775,000 | $355,000 | $13,192 | 4.43% |
| Ottawa, KS (FHA|USDA|VA) | 8 | $1,750,000 | $218,750 | $4,118 | 5.28% |
| Tahlequah, OK (FHA|USDA|VA) | 9 | $1,695,000 | $188,333 | $5,600 | 4.67% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $1,650,000 | $275,000 | $6,519 | 5.31% |
| LAWTON, OK (FHA|USDA|VA) | 9 | $1,645,000 | $182,778 | $7,680 | 5.03% |
| Harrison, AR (FHA|USDA|VA) | 6 | $1,580,000 | $263,333 | $7,900 | 5.33% |
| ODESSA, TX (FHA|USDA|VA) | 5 | $1,545,000 | $309,000 | $9,012 | 6.32% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $5,530 | 4.34% |
| PANAMA CITY, FL (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $8,348 | 5.05% |
| MIDLAND, TX (FHA|USDA|VA) | 7 | $1,445,000 | $206,429 | $7,896 | 6.11% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $1,420,000 | $355,000 | $5,943 | 6.19% |
| Lincoln, IL (FHA|USDA|VA) | 11 | $1,375,000 | $125,000 | $4,826 | 5.35% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $5,417 | 4.00% |
| Hutchinson, KS (FHA|USDA|VA) | 7 | $1,325,000 | $189,286 | $5,051 | 5.70% |
| Levelland, TX (FHA|USDA|VA) | 8 | $1,310,000 | $163,750 | $7,365 | 5.86% |
| West Plains, MO (FHA|USDA|VA) | 9 | $1,255,000 | $139,444 | $3,361 | 5.14% |
| Quincy, IL-MO (FHA|USDA|VA) | 9 | $1,205,000 | $133,889 | $3,769 | 5.68% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $3,562 | 4.48% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $6,483 | 5.21% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $5,148 | 4.13% |
| Malvern, AR (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $6,020 | 5.15% |
| Maryville, MO (FHA|USDA|VA) | 8 | $1,070,000 | $133,750 | $2,943 | 5.80% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $9,444 | 5.25% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $15,605 | 3.92% |
| Jacksonville, IL (FHA|USDA|VA) | 8 | $940,000 | $117,500 | $3,811 | 5.06% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $14,547 | 4.06% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $7,849 | 5.56% |
| Ottawa, IL (FHA|USDA|VA) | 7 | $915,000 | $130,714 | $3,710 | 5.27% |
| Rochelle, IL (FHA|USDA|VA) | 7 | $905,000 | $129,286 | $3,083 | 4.82% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $4,751 | 5.00% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $12,726 | 5.69% |
| Winfield, KS (FHA|USDA|VA) | 8 | $870,000 | $108,750 | $4,061 | 5.34% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $3,284 | 4.50% |
| Russellville, AR (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $3,929 | 6.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $13,029 | 4.83% |
| Great Bend, KS (FHA|USDA|VA) | 6 | $830,000 | $138,333 | $4,938 | 4.96% |
| Marion, IN (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $4,670 | 3.85% |
| Salina, KS (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $4,763 | 5.75% |
| Plainview, TX (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $5,081 | 6.34% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $6,468 | 4.69% |
| ROCKFORD, IL (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $4,283 | 4.63% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,630 | 2.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $11,463 | 3.88% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $16,004 | 3.38% |
| KOKOMO, IN (FHA|USDA|VA) | 6 | $700,000 | $116,667 | $3,153 | 4.94% |
| KANKAKEE, IL (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $3,878 | 4.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $3,647 | 3.69% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $5,157 | 4.00% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 7 | $655,000 | $93,571 | $2,707 | 5.21% |
| Edwards, CO (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $10,742 | 3.38% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $8,303 | 3.50% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $4,763 | 6.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,235 | 6.06% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $4,231 | 3.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $7,429 | 5.81% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $11,281 | 5.75% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,623 | 6.75% |
| PINE BLUFF, AR (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $4,108 | 4.31% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,424 | 6.38% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $12,503 | 4.31% |
| Stillwater, OK (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $4,934 | 4.91% |
| MANHATTAN, KS (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $4,023 | 5.47% |
| Dodge City, KS (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,739 | 5.67% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $7,106 | 4.37% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,058 | 3.63% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $10,211 | 3.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $9,902 | 3.13% |
| Elizabeth City, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $8,035 | 4.44% |
| Paducah, KY-IL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $3,612 | 5.08% |
| JONESBORO, AR (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,294 | 4.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,175 | 4.44% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,430 | 3.88% |
| Lewisburg, TN (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,015 | 5.88% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,578 | 4.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,570 | 5.88% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,749 | 4.94% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,220 | 3.56% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $19,334 | 3.63% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $31,619 | 3.38% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $10,235 | 3.75% |
| Macomb, IL (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $3,433 | 4.78% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,967 | 2.88% |
| Ada, OK (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $5,158 | 5.29% |
| Granbury, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,826 | 6.88% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,566 | 5.13% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,512 | 4.50% |
| Effingham, IL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,131 | 6.75% |
| Batesville, AR (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,302 | 4.81% |
| Hays, KS (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,296 | 5.56% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $16,045 | 4.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $10,797 | 4.63% |
| Kennett, MO (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $3,986 | 4.63% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,638 | 4.38% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,389 | 5.50% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,840 | 3.75% |
| Dyersburg, TN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,502 | 5.31% |
| Key West, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,131 | 2.63% |
| Beatrice, NE (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,691 | 3.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,909 | 5.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,626 | 4.38% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $16,457 | 5.13% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,379 | 4.88% |
| Shawnee, OK (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,825 | 6.44% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,586 | 3.13% |
| READING, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $16,321 | 3.50% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,141 | 3.63% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,320 | 5.25% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,345 | 5.25% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $16,776 | 4.00% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,212 | 5.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,348 | 5.25% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,153 | 5.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,780 | 5.25% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,065 | 4.63% |
| CHICO, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,279 | 4.13% |
| Atchison, KS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,223 | 6.63% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,272 | 4.75% |
| Duncan, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,010 | 7.25% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,115 | 5.50% |
| Mason City, IA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,035 | 4.13% |
| Newberry, SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,176 | 4.63% |
| MADISON, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,080 | 6.63% |
| Centralia, IL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,809 | 5.75% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,606 | 5.49% |
| Peru, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,551 | 3.00% |
| Durant, OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,022 | 4.13% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,772 | 5.25% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,929 | 4.13% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,395 | 3.75% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,712 | 5.13% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,126 | 4.63% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,911 | 3.63% |
| TYLER, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,301 | 5.38% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,388 | 6.50% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,433 | 6.13% |
| Marshalltown, IA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,475 | 5.75% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,250 | 7.13% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,866 | 5.50% |
| New Castle, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,304 | 6.25% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,916 | 5.99% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,411 | 4.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,956 | 4.88% |
| Vernon, TX (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $4,285 | 5.44% |
| Roswell, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,905 | 5.25% |
| Picayune, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,613 | 4.75% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,892 | 5.88% |
| Wabash, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,497 | 5.13% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,826 | 4.13% |
| Liberal, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,156 | 5.38% |
| Camden, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,388 | 3.25% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,976 | 4.25% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,868 | 4.69% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,583 | 7.13% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,338 | 3.88% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,088 | 7.49% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,001 | 3.38% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,264 | 6.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,878 | 4.25% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,949 | 5.50% |
| Blytheville, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,429 | 4.88% |
| Logansport, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,206 | 5.38% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,329 | 6.63% |
| Paris, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,700 | 7.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,686 | 6.75% |
| Norfolk, NE (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $2,477 | 2.56% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,050 | 7.13% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,538 | 4.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,976 | 4.00% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,721 | 6.50% |
| Hope, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,055 | 4.63% |
| Helena-West Helena, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,092 | 6.49% |
Similar Lenders
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Product Mix
For 2022, Flat Branch Mortgage's most frequently originated type of loan was Conventional, with 8,441 originations. Their 2nd most popular type was FHA, with 3,396 originations.
Loan Reason
For 2022, Flat Branch Mortgage's most frequently cited loan purpose was Home Purchase, with 12,681 originations. The 2nd most popular reason was Refi, with 1,126 originations.
Loan Duration/Length
For 2022, Flat Branch Mortgage's most frequently cited loan duration was 30 Year, with 13,476 originations. The 2nd most popular length was 15 Year, with 587 originations.
Origination Fees/Closing Costs
Flat Branch Mortgage's average total fees were $4,666, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 6,942 originations.
Interest Rates
During 2022, Flat Branch Mortgage's average interest rate for loans was 5.15%, while their most frequently originated rate bucket for loans was 5-6%, with 5,273 originations.
Loan Sizing
2022 saw Flat Branch Mortgage place emphasis on $100k-200k loans with 6,015 originations, totaling $899,215,000 in origination value.
Applicant Income
Flat Branch Mortgage lent most frequently to those with incomes in the $50k-75k range, with 4,155 originations. The second most popular income band? $50k or less, with 3,418 originations.
Applicant Debt to Income Ratio
Flat Branch Mortgage lent most frequently to those with DTI ratios of 20-30%, with 2,684 originations. The next most common DTI ratio? 30-36%, with 2,658 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.43%
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 origination76.70%
Flat Branch Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 14,280 | $2,925,560,000 | $204,871 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 14,280 | $2,925,560,000 | $204,871 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Flat Branch Mortgage, Inc. | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |