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FLAT BRANCH MORTGAGE, INC.
Independent Mortgage Company|Columbia, MO|Near-National
Loans Originated
13,335
Applications
16,404
Volume
$3 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Exceptional
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.401%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,570
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
81.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Report Card
FLAT BRANCH MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Near-National · 41 metro areas · 32 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$230,175
Average Borrower Income
$101,143
Average Property Value
$272,809
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Sound | Exceptional | 7,772 | 58.3% | +0.300% | $1,475 |
FHA Loans | Strong | Exceptional | Sound | Exceptional | 3,206 | 24.0% | +0.812% | $1,832 |
VA Loans | Strong | Exceptional | Acceptable | Exceptional | 1,405 | 10.5% | +0.003% | $1,690 |
Jumbo Loans | Strong | Strong | Strong | Strong | 28 | 0.2% | +0.182% | $574 |
USDA Loans | Strong | Exceptional | Sound | Strong | 924 | 6.9% | +0.556% | $1,271 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Exceptional | 12,433 | 93.2% | +0.413% | $1,558 |
Refinance | Strong | Exceptional | Sound | Exceptional | 902 | 6.8% | +0.266% | $1,706 |
Geographic Coverage
Metro Areas
40
States Served
32
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Joplin, MO, MO-KSMSA
Volume: 989Mix: 7.42%
Place Specialization
Exceptional
2
Springfield, MO, MOMSA
Volume: 636Mix: 4.77%
Place Specialization
Exceptional
3
Columbia, MO, MOMSA
Volume: 482Mix: 3.61%
Place Specialization
Exceptional
4
Jefferson City, MO, MOMSA
Volume: 424Mix: 3.18%
Place Specialization
Exceptional
5
Wichita Falls, TX, TXMSA
Volume: 287Mix: 2.15%
Place Specialization
Exceptional
6
Champaign, ILMSA
Volume: 243Mix: 1.82%
Place Specialization
Exceptional
7
St. Louis, MO, MO-ILMSA
Volume: 1,380Mix: 10.35%
Place Specialization
Exceptional
8
Cape Girardeau, MO, MO-ILMSA
Volume: 85Mix: 0.64%
Place Specialization
Exceptional
9
Topeka, KS, KSMSA
Volume: 275Mix: 2.06%
Place Specialization
Exceptional
10
Peoria, IL, ILMSA
Volume: 592Mix: 4.44%
Place Specialization
Exceptional
Showing 10 of 40 metro areas
Top States by Place Specialization Score
1
MOState
Volume: 6,598Mix: 49.48%
Place Specialization
Exceptional
2
KSState
Volume: 1,496Mix: 11.22%
Place Specialization
Exceptional
3
OKState
Volume: 1,194Mix: 8.95%
Place Specialization
Exceptional
4
ARState
Volume: 1,087Mix: 8.15%
Place Specialization
Exceptional
5
ILState
Volume: 1,599Mix: 11.99%
Place Specialization
Exceptional
6
TXState
Volume: 547Mix: 4.10%
Place Specialization
Strong
7
IAState
Volume: 229Mix: 1.72%
Place Specialization
Strong
8
COState
Volume: 159Mix: 1.19%
Place Specialization
Strong
9
NEState
Volume: 80Mix: 0.60%
Place Specialization
Strong
10
INState
Volume: 132Mix: 0.99%
Place Specialization
Sound
Showing 10 of 15 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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