What loan types does Flat Branch Mortgage offer?

Flat Branch Mortgage offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Flat Branch Mortgage offer mortgages?

Flat Branch Mortgage 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's mortgage rates?

Flat Branch Mortgage has an overall pricing score of 50.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Flat Branch Mortgage?

Flat Branch Mortgage is a Independent Mortgage Company headquartered in Columbia, MO.

Unclaimed

Flat Branch Mortgage

Independent Mortgage Company•Columbia, MOHQ•Direct•Reviews near you on Google

Flat Branch Mortgage's 13.3k closed loans and 16k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Near-National · 40 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

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

Explore another lender or local market

Report Card

Flat Branch Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+40.1 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 10% of lenders

FHA

Exceptional

Top 10% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Exceptional

Top 5% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 10% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 41 markets

Strong

Top 40% of lenders

Loan Product Performance

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%Above	$1,475Fees
FHA Loans	Strong	Exceptional	Sound	Exceptional	3,206	24.0%	+0.812%Above	$1,832Fees
VA Loans	Strong	Exceptional	Acceptable	Exceptional	1,405	10.5%	+0.003%Above	$1,690Fees
Jumbo Loans	Strong	Strong	Strong	Strong	28	0.2%	+0.182%Above	$574Fees
USDA Loans	Strong	Exceptional	Sound	Strong	924	6.9%	+0.556%Above	$1,271Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume7,772

Mix58.3%

Spread

+0.300%Above

Fees

$1,475Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume3,206

Mix24.0%

Spread

+0.812%Above

Fees

$1,832Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Exceptional

Volume1,405

Mix10.5%

Spread

+0.003%Above

Fees

$1,690Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume28

Mix0.2%

Spread

+0.182%Above

Fees

$574Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume924

Mix6.9%

Spread

+0.556%Above

Fees

$1,271Fees

Loan Purpose Performance

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%Above	$1,558Fees
Refinance	Strong	Exceptional	Sound	Exceptional	902	6.8%	+0.266%Above	$1,706Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume12,433

Mix93.2%

Spread

+0.413%Above

Fees

$1,558Fees

Refinance

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume902

Mix6.8%

Spread

+0.266%Above

Fees

$1,706Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

13,335

Applications

16,404

Volume

$3 billion

Pricing & Closing

Avg Rate Spread

+0.401%

vs. market APOR

Avg Net Fees

$1,570

Origination − Credits

Pullthrough Rate

81.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$230,175

Avg Borrower Income

$101,143

Avg Property Value

$272,809

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast1

Midwest10

IAILINKSMIMNMONEOHWI

South13

ALARFLGAKYLAMSNCOKSCTNTXVA

West8

AZCACOIDMTNMUTWA

Top Metro Areas by Place Specialization Score

1© AbeEzekowitz · CC BY-SA 3.0

Joplin, MO, MO-KSMetro

Volume 989Mix 7.42% of portfolio

100/100

Exceptional

2© Matt Turner · CC BY 2.0

Springfield, MOMetro

Volume 636Mix 4.77% of portfolio

100/100

Exceptional

3© Thomas Kirchel · CC BY-SA 4.0

Columbia, MOMetro

Volume 482Mix 3.61% of portfolio

100/100

Exceptional

Jefferson City, MOMetro

Volume 424Mix 3.18% of portfolio

100/100

Exceptional

Wichita Falls, TXMetro

Volume 287Mix 2.15% of portfolio

99/100

Exceptional

Champaign, ILMetro

Volume 243Mix 1.82% of portfolio

96/100

Exceptional

St. Louis, MO, MO-ILMetro

Volume 1,380Mix 10.35% of portfolio

95/100

Exceptional

Cape Girardeau, MO, MO-ILMetro

Volume 85Mix 0.64% of portfolio

94/100

Exceptional

Topeka, KSMetro

Volume 275Mix 2.06% of portfolio

93/100

Exceptional

Peoria, ILMetro

Volume 592Mix 4.44% of portfolio

90/100

Exceptional

Showing 10 of 40 metro areas

Top States by Place Specialization Score

MissouriState

Volume 6,598Mix 49.48% of portfolio

100/100

Exceptional

KansasState

Volume 1,496Mix 11.22% of portfolio

100/100

Exceptional

OklahomaState

Volume 1,194Mix 8.95% of portfolio

88/100

Exceptional

ArkansasState

Volume 1,087Mix 8.15% of portfolio

87/100

Exceptional

IllinoisState

Volume 1,599Mix 11.99% of portfolio

87/100

Exceptional

TexasState

Volume 547Mix 4.10% of portfolio

68/100

Strong

IowaState

Volume 229Mix 1.72% of portfolio

66/100

Strong

ColoradoState

Volume 159Mix 1.19% of portfolio

61/100

Strong

NebraskaState

Volume 80Mix 0.60% of portfolio

60/100

Strong

IndianaState

Volume 132Mix 0.99% of portfolio

59/100

Sound

Showing 10 of 15 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.