Lenders › Flat Branch Mortgage, Inc. › Oklahoma
Flat Branch Mortgage, Inc. in Oklahoma
HMDA record for properties in Oklahoma, calendar year 2024. National record · Oklahoma 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 Oklahoma, Flat Branch Mortgage, Inc. reported 1,644 applications and 1,280 originations for 2024, $289m in all.
Its denial rate in the state was 1.9%, below the Oklahoma rate of 23.4% across all lenders and compared with the lender's national rate of 1.8%.
The median rate spread on its Oklahoma originations was 0.4 percentage points (state median 0.5).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Oklahoma | Oklahoma, all lenders | Flat Branch Mortgage, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 1.9% | 23.4% | 1.8% | 24.3% |
| Median rate spread, pp | 0.4 | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.5% | 17.5% | 4.2% | 15.6% |
| Average originated loan | $226k | $223k | $227k | $329k |
| Home purchase share | 94.7% | 63.6% | 92.4% | 57.0% |
| FHA-insured share | 34.2% | 17.1% | 24.1% | 13.4% |
| VA-guaranteed share | 10.2% | 11.9% | 10.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOklahoma, all lenders
Loan purpose and loan type in Oklahoma
By purpose
Home purchase 95% (1,212)Home improvement 0% (3)Refinancing 3% (32)Cash-out refinancing 3% (33)
By type
Conventional 50% (641)FHA 34% (438)VA 10% (130)USDA 6% (71)
Denial reasons as coded
Share of 25 denials in Oklahoma by first denial reason coded (outlined bar: all lenders in the state).
Counties in Oklahoma
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Tulsa County | 549 | 431 | $106m | 1.4% |
| Wagoner County | 126 | 108 | $31m | 0.9% |
| Kay County | 122 | 96 | $14m | 1.0% |
| Rogers County | 113 | 84 | $25m | 1.2% |
| Creek County | 78 | 55 | $12m | 3.5% |
| Okmulgee County | 60 | 52 | $9.1m | 3.6% |
| Oklahoma County | 52 | 42 | $11m | 0.0% |
| Osage County | 47 | 38 | $8.3m | 0.0% |
| Ottawa County | 52 | 36 | $4.9m | 9.5% |
| Mayes County | 40 | 31 | $5.4m | 0.0% |
| Muskogee County | 39 | 31 | $5.8m | 0.0% |
| Cleveland County | 33 | 27 | $6.8m | 0.0% |
| Washington County | 34 | 25 | $4.4m | 0.0% |
| Comanche County | 25 | 18 | $3.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Flat Branch Mortgage, Inc. originate in Oklahoma in 2024?
1,280 loans totalling $289m, from 1,644 applications reported for properties in Oklahoma.
What is Flat Branch Mortgage, Inc.'s denial rate in Oklahoma?
1.9% of decided applications in Oklahoma were denied, against 23.4% 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 Oklahoma counties does Flat Branch Mortgage, Inc. lend in most?
By originations: Tulsa County (431), Wagoner County (108), Kay County (96), Rogers County (84), Creek County (55).
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 Oklahoma. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.