Lenders › Flat Branch Mortgage, Inc. › Missouri
Flat Branch Mortgage, Inc. in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Missouri, Flat Branch Mortgage, Inc. reported 8,457 applications and 6,838 originations for 2024, $1.6bn in all.
Its denial rate in the state was 1.8%, below the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 1.8%.
The median rate spread on its Missouri originations was 0.4 percentage points (state median 0.4).
Applications in the state were up 13% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | Flat Branch Mortgage, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 1.8% | 19.9% | 1.8% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.0% | 14.1% | 4.2% | 15.6% |
| Average originated loan | $231k | $231k | $227k | $329k |
| Home purchase share | 90.6% | 58.6% | 92.4% | 57.0% |
| FHA-insured share | 22.4% | 12.8% | 24.1% | 13.4% |
| VA-guaranteed share | 10.5% | 8.2% | 10.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 91% (6,195)Home improvement 0% (28)Refinancing 5% (317)Cash-out refinancing 4% (298)
By type
Conventional 60% (4,089)FHA 22% (1,534)VA 11% (719)USDA 7% (496)
Denial reasons as coded
Share of 124 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jasper County | 896 | 702 | $130m | 1.0% |
| Jackson County | 709 | 596 | $155m | 1.0% |
| Boone County | 561 | 446 | $116m | 0.9% |
| Greene County | 512 | 410 | $95m | 1.2% |
| St. Louis County | 478 | 406 | $113m | 1.7% |
| St. Charles County | 429 | 368 | $110m | 1.9% |
| Cole County | 306 | 260 | $59m | 0.0% |
| Newton County | 272 | 229 | $46m | 1.3% |
| Clay County | 251 | 216 | $62m | 0.5% |
| Pulaski County | 235 | 196 | $46m | 1.5% |
| Christian County | 176 | 145 | $39m | 0.0% |
| Johnson County | 170 | 142 | $35m | 0.7% |
| Cass County | 168 | 135 | $36m | 0.7% |
| Callaway County | 155 | 130 | $31m | 1.5% |
| Jefferson County | 154 | 122 | $28m | 1.6% |
| Camden County | 159 | 115 | $29m | 1.7% |
| St. Louis city | 123 | 104 | $23m | 1.9% |
| Pettis County | 119 | 93 | $19m | 2.1% |
| Franklin County | 108 | 87 | $20m | 3.3% |
| Audrain County | 111 | 86 | $14m | 1.1% |
| Cape Girardeau County | 100 | 80 | $18m | 1.2% |
| Lincoln County | 89 | 80 | $22m | 1.2% |
| Laclede County | 104 | 77 | $14m | 3.5% |
| Saline County | 80 | 67 | $9.9m | 2.9% |
| Platte County | 73 | 62 | $20m | 1.6% |
| Taney County | 82 | 61 | $14m | 5.9% |
| Randolph County | 70 | 61 | $11m | 0.0% |
| Miller County | 73 | 60 | $12m | 0.0% |
| Phelps County | 77 | 57 | $12m | 1.7% |
| Lafayette County | 62 | 54 | $13m | 1.8% |
| Scott County | 72 | 53 | $8.9m | 5.4% |
| Webster County | 68 | 52 | $11m | 8.8% |
| Lawrence County | 61 | 47 | $9.3m | 0.0% |
| Warren County | 54 | 45 | $13m | 2.2% |
| Barry County | 51 | 40 | $8.5m | 4.7% |
| Cooper County | 42 | 36 | $7.0m | 0.0% |
| Adair County | 48 | 35 | $6.6m | 2.8% |
| McDonald County | 44 | 33 | $6.1m | 2.9% |
| Henry County | 39 | 33 | $5.6m | 0.0% |
| Marion County | 50 | 31 | $5.1m | 11.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Flat Branch Mortgage, Inc. originate in Missouri in 2024?
6,838 loans totalling $1.6bn, from 8,457 applications reported for properties in Missouri.
What is Flat Branch Mortgage, Inc.'s denial rate in Missouri?
1.8% of decided applications in Missouri were denied, against 19.9% for all lenders in the state and 1.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Missouri counties does Flat Branch Mortgage, Inc. lend in most?
By originations: Jasper County (702), Jackson County (596), Boone County (446), Greene County (410), St. Louis County (406).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.