# FLAT BRANCH MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/flat-branch-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FLAT BRANCH MORTGAGE, INC. is a independent mortgage company, headquartered in Columbia, MO, serving borrowers across 32 states, with 13,335 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 50% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 11% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300LXKO1O7CSK5J52
- **Headquarters:** Columbia, MO
- **Geographic Reach:** Near-National
- **States Served:** 32
- **State List:** AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, NE, NM, OH, OK, PA, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 41
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 94.5%
- **Brokered/Wholesale:** 5.5%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.401%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,570
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 13,335
- **Dollar Volume:** $3.1 billion
- **Applications Received:** 16,404
- **Market Share:** 37.00%

## Typical Borrower Profile

- **Average Loan Amount:** $230,175
- **Average Borrower Income:** $101,143
- **Average Property Value:** $272,809

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (76%)
- ⭐ **FHA Gold Superstar** (76%)
- ⭐ **VA Gold Superstar** (69%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **USDA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (76%)
- ⭐ **Refinance Gold Superstar** (76%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 91/100 | 7,772 | +0.300% | $1,475 | Exceptional 🤩 |
| FHA | 91/100 | 3,206 | +0.812% | $1,832 | Exceptional 🤩 |
| VA | 88/100 | 1,405 | +0.003% | $1,690 | Exceptional 🤩 |
| Jumbo | 70/100 | 28 | +0.182% | $574 | Strong 😀 |
| USDA | 99/100 | 924 | +0.556% | $1,271 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 7,073 loans, Score: 92/100 (Exceptional)
- Refinance: 699 loans, Score: 84/100 (Exceptional)

**FHA:**
- Purchase: 3,069 loans, Score: 91/100 (Exceptional)
- Refinance: 137 loans, Score: 81/100 (Exceptional)

**VA:**
- Purchase: 1,347 loans, Score: 88/100 (Exceptional)
- Refinance: 58 loans, Score: 79/100 (Strong)

**Jumbo:**
- Purchase: 21 loans, Score: 46/100 (Sound)

**USDA:**
- Purchase: 923 loans, Score: 99/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 92/100 | 12,433 | $2.8B | +0.413% | Exceptional 🤩 |
| Refinance | 84/100 | 902 | $227M | +0.266% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 6,598 | 8.82% | 100/100 |
| IL | 1,599 | 1.28% | 87/100 |
| KS | 1,496 | 4.99% | 100/100 |
| OK | 1,194 | 2.89% | 88/100 |
| AR | 1,087 | 3.38% | 87/100 |
| TX | 547 | 0.16% | 68/100 |
| IA | 229 | 0.65% | 66/100 |
| CO | 159 | 0.19% | 61/100 |
| IN | 132 | 0.14% | 59/100 |
| NE | 80 | 0.37% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 3,219 | 86/100 |
| St. Louis, MO | MO-IL | 1,380 | 95/100 |
| Kansas City, MO | MO-KS | 1,322 | 90/100 |
| Joplin, MO | MO-KS | 989 | 100/100 |
| Tulsa, OK | OK | 733 | 88/100 |
| Springfield, MO | MO | 636 | 100/100 |
| Peoria, IL | IL | 592 | 90/100 |
| Fayetteville | AR | 559 | 88/100 |
| Columbia, MO | MO | 482 | 100/100 |
| Wichita, KS | KS | 425 | 90/100 |
| Jefferson City, MO | MO | 424 | 100/100 |
| Little Rock | AR | 333 | 89/100 |
| Wichita Falls, TX | TX | 287 | 99/100 |
| Topeka, KS | KS | 275 | 93/100 |
| Champaign | IL | 243 | 96/100 |

## Where This Lender Ranks

FLAT BRANCH MORTGAGE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in United States for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Missouri for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Missouri for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Illinois for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Kansas Mortgage Companies
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Kansas for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Kansas for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in St. Louis, MO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in St. Louis, MO for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Kansas City, MO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Oklahoma for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Arkansas for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Arkansas for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Joplin, MO
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders)
- 🥇 **#1** in Joplin, MO Mortgage Companies
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Joplin, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Joplin, MO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Joplin, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Joplin, MO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Joplin, MO for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does FLAT BRANCH MORTGAGE, INC. offer?

FLAT BRANCH MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FLAT BRANCH MORTGAGE, INC. offer mortgages?

FLAT BRANCH MORTGAGE, INC. offers mortgages in 32 states: AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, NE, NM, OH, OK, PA, SC, TN, TX, UT, VA, WA, WI.

### How competitive are FLAT BRANCH MORTGAGE, INC.'s mortgage rates?

FLAT BRANCH MORTGAGE, INC. has a pricing score of 50/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.401% above market average.

### What type of lender is FLAT BRANCH MORTGAGE, INC.?

FLAT BRANCH MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Columbia, MO.

### What is FLAT BRANCH MORTGAGE, INC.'s loan approval success rate?

FLAT BRANCH MORTGAGE, INC. has a pull-through score of 89/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/flat-branch-mortgage

### How to Cite

> "FLAT BRANCH MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/flat-branch-mortgage

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