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Flat Branch Mortgage's 13.3k closed loans and 16k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
Near-National · 40 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
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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
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Report Card
Flat Branch Mortgage, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +40.1 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 10% of lenders | |
FHA | Market Leader Top 10% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Market Leader Top 5% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 10% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Near-National41 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 7,772 | 58.3% | +0.300%Above | $1,475Fees | ||||
FHA Loans | 3,206 | 24.0% | +0.812%Above | $1,832Fees | ||||
VA Loans | 1,405 | 10.5% | +0.003%Above | $1,690Fees | ||||
Jumbo Loans | 28 | 0.2% | +0.182%Above | $574Fees | ||||
USDA Loans | 924 | 6.9% | +0.556%Above | $1,271Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 12,433 | 93.2% | +0.413%Above | $1,558Fees | ||||
Refinance | 902 | 6.8% | +0.266%Above | $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
40
States Served
32
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOFLGAIAIDILINKSKYLAMIMNMOMSMTNCNENMOHOKPASCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Joplin, MO, MO-KSMSA
Volume: 989Mix: 7.42%of portfolio
Place
Exceptional2
Springfield, MO, MOMSA
Volume: 636Mix: 4.77%of portfolio
Place
Exceptional3
Columbia, MO, MOMSA
Volume: 482Mix: 3.61%of portfolio
Place
Exceptional4
Jefferson City, MO, MOMSA
Volume: 424Mix: 3.18%of portfolio
Place
Exceptional5
Wichita Falls, TX, TXMSA
Volume: 287Mix: 2.15%of portfolio
Place
Exceptional6
Champaign, ILMSA
Volume: 243Mix: 1.82%of portfolio
Place
Exceptional7
St. Louis, MO, MO-ILMSA
Volume: 1,380Mix: 10.35%of portfolio
Place
Exceptional8
Cape Girardeau, MO, MO-ILMSA
Volume: 85Mix: 0.64%of portfolio
Place
Exceptional9
Topeka, KS, KSMSA
Volume: 275Mix: 2.06%of portfolio
Place
Exceptional10
Peoria, IL, ILMSA
Volume: 592Mix: 4.44%of portfolio
Place
ExceptionalShowing 10 of 40 metro areas
Top States by Place Specialization Score
1
MOState
Volume: 6,598Mix: 49.48%of portfolio
Place
Exceptional2
KSState
Volume: 1,496Mix: 11.22%of portfolio
Place
Exceptional3
OKState
Volume: 1,194Mix: 8.95%of portfolio
Place
Exceptional4
ARState
Volume: 1,087Mix: 8.15%of portfolio
Place
Exceptional5
ILState
Volume: 1,599Mix: 11.99%of portfolio
Place
Exceptional6
TXState
Volume: 547Mix: 4.10%of portfolio
Place
Strong7
IAState
Volume: 229Mix: 1.72%of portfolio
Place
Strong8
COState
Volume: 159Mix: 1.19%of portfolio
Place
Strong9
NEState
Volume: 80Mix: 0.60%of portfolio
Place
Strong10
INState
Volume: 132Mix: 0.99%of portfolio
Place
SoundShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.