FLAT BRANCH MORTGAGE, INC. closing costs and rates (2024)
In 2024, FLAT BRANCH MORTGAGE, INC. originated 11,979 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $4,422. That ranks #31 nationally by origination volume. For total closing costs among lenders with 500+ originations, FLAT BRANCH MORTGAGE, INC. ranks #154. That is $2,319 below the national median of $6,741. FLAT BRANCH MORTGAGE, INC. is most active in Missouri with 5,760 originations there.
Purchase Originations
11,979
Ranked #31 nationally
Median Total Costs
$4,422
−34.4% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,198
Median Lender Credits
$500
Cost Rank (500+ vol.)
#154
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 6,548 | 6.625% | $3,303 | $995 |
| fha | 3,151 | 6.625% | $7,446 | $1,776 |
| va | 1,368 | 6.625% | $6,454 | $1,604 |
| usda | 912 | 6.625% | $4,729 | $1,116 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 5,760 | 6.625% | $4,143 | #1 |
| Illinois | 1,479 | 6.750% | $3,132 | #17 |
| Kansas | 1,404 | 6.625% | $4,091 | #2 |
| Oklahoma | 1,146 | 6.625% | $6,122 | #6 |
| Arkansas | 948 | 6.625% | $5,319 | #3 |
| Texas | 537 | 6.625% | $6,459 | #113 |
| Iowa | 208 | 6.625% | $4,172 | #34 |
| Colorado | 151 | 6.250% | $10,063 | #87 |
| Indiana | 103 | 6.625% | $3,549 | #123 |
| Nebraska | 72 | 6.625% | $3,302 | #49 |
| Tennessee | 58 | 6.500% | $6,642 | #163 |
| Florida | 35 | 6.625% | $6,144 | — |
| Georgia | 11 | 6.625% | $5,341 | — |
| South Carolina | 11 | 6.625% | $6,653 | — |
| Alabama | 7 | 6.250% | $11,142 | — |
| Kentucky | 7 | 7.000% | $4,693 | — |
| Mississippi | 7 | 7.000% | $4,162 | — |
| North Carolina | 6 | 6.308% | $8,426 | — |
| Ohio | 6 | 6.812% | $5,734 | — |
| Wisconsin | 5 | 6.875% | $3,916 | — |
| New Mexico | 4 | 7.125% | $7,681 | — |
| Utah | 3 | 6.250% | $15,636 | — |
| Pennsylvania | 2 | 6.938% | $4,662 | — |
| Washington | 2 | 5.188% | $18,521 | — |
| Arizona | 1 | 6.000% | $21,757 | — |
| California | 1 | 6.990% | $6,915 | — |
| Idaho | 1 | 7.125% | $4,133 | — |
| Louisiana | 1 | 6.490% | $3,962 | — |
| Minnesota | 1 | 6.125% | $12,426 | — |
| Montana | 1 | 5.125% | $14,139 | — |
| Virginia | 1 | 6.990% | $4,522 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,768 | 6.750% | — | 185 | −$1,654 | |
| 2 | $2,800 | 6.750% | — | 211 | −$1,622 | |
| 3 | $2,852 | 6.625% | — | 266 | −$1,570 | |
| 4 | $2,888 | 6.625% | — | 222 | −$1,534 | |
| 5 | $3,264 | 6.625% | — | 377 | −$1,158 | |
| 6 | $3,403 | 6.625% | — | 197 | −$1,019 | |
| 7 | $3,800 | 6.875% | — | 305 | −$622 | |
| 8 | $3,816 | 6.625% | — | 356 | −$606 | |
| 9 | $3,863 | 6.490% | — | 178 | −$559 | |
| 10 | $4,018 | 6.875% | — | 353 | −$404 | |
| 11 | $4,303 | 6.625% | — | 129 | −$119 | |
| 12 | $4,322 | 6.625% | — | 202 | −$100 | |
| 13 | $4,471 | 6.500% | — | 305 | +$49 | |
| 14 | $4,724 | 6.625% | — | 632 | +$302 | |
| 15 | $4,848 | 6.625% | — | 486 | +$426 | |
| 16 | $4,996 | 6.625% | — | 186 | +$574 | |
| 17 | $5,186 | 6.625% | — | 332 | +$764 | |
| 18 | $5,987 | 6.625% | — | 249 | +$1,565 | |
| 19 | $6,503 | 6.625% | — | 178 | +$2,081 | |
| 20 | $6,690 | 6.625% | — | 377 | +$2,268 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.