Flat Branch Mortgage, Inc. mortgage approval rate & lending review
Flat Branch Mortgage, Inc. decided 23,522 mortgage applications and funded 22,938 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Flat Branch Mortgage, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Flat Branch Mortgage, Inc. at a glance
Approval is 12.2 points above the 86.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 20,468 / 20,759 | 99% | $225K | 20,250 |
| Home improvement loans | 96% | 77 / 80 | 100% | $155K | 77 |
| Cash-out refinance | 98% | 640 / 651 | 99% | $185K | 634 |
| Refinance | 98% | 922 / 937 | 99% | $295K | 911 |
| Investment property purchase | 99% | 907 / 919 | 99% | $145K | 894 |
| Investment cash-out refinance | 99% | 100 / 101 | 98% | $135K | 98 |
| Investment refinance | 98% | 56 / 57 | 100% | $155K | 56 |
Flat Branch Mortgage, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 99% | $235K | 9,862 | 9,636 |
| Illinois | 98% | $145K | 3,675 | 3,560 |
| Arkansas | 99% | $285K | 2,923 | 2,865 |
| Kansas | 99% | $195K | 2,070 | 2,014 |
| Oklahoma | 98% | $225K | 1,688 | 1,647 |
| Texas | 98% | $185K | 1,264 | 1,225 |
| Colorado | 100% | $405K | 474 | 466 |
| Iowa | 99% | $185K | 361 | 356 |
| Nebraska | 99% | $285K | 341 | 336 |
| Indiana | 98% | $235K | 331 | 320 |
| Tennessee | 99% | $345K | 137 | 134 |
| Florida | 99% | $315K | 99 | 95 |
| South Carolina | 96% | $325K | 52 | 50 |
| North Carolina | 98% | $255K | 42 | 41 |
| Georgia | 97% | $365K | 29 | 28 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Flat Branch Mortgage, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jasper County, MO | Mortgage lenders | 99% | 1,902 | 1,863 |
| Jackson County, MO | Mortgage lenders | 99% | 1,269 | 1,243 |
| Tulsa County, OK | Mortgage lenders | 98% | 1,227 | 1,199 |
| Boone County, MO | Mortgage lenders | 99% | 1,207 | 1,185 |
| Greene County, MO | Mortgage lenders | 99% | 1,191 | 1,160 |
| Benton County, AR | Mortgage lenders | 99% | 1,111 | 1,096 |
| St. Charles County, MO | Mortgage lenders | 99% | 979 | 957 |
| Peoria County, IL | Mortgage lenders | 97% | 911 | 882 |
| Sedgwick County, KS | Mortgage lenders | 98% | 896 | 868 |
| Champaign County, IL | Mortgage lenders | 98% | 705 | 682 |
| Washington County, AR | Mortgage lenders | 100% | 654 | 651 |
| Wichita County, TX | Mortgage lenders | 99% | 657 | 640 |
The county markets where Flat Branch Mortgage, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Flat Branch Mortgage, Inc.
What is Flat Branch Mortgage, Inc.'s mortgage approval rate?
Flat Branch Mortgage, Inc. approved 98.6% of the 23,522 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.2 points above the 86.4% national rate for the same mix of loan types.
How often do borrowers take the loan Flat Branch Mortgage, Inc. offers?
Borrowers accepted 99% of the loans Flat Branch Mortgage, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Flat Branch Mortgage, Inc. make?
The typical home purchase mortgage loan Flat Branch Mortgage, Inc. made was $225K; across all loan types its typical loan ran from $135K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Flat Branch Mortgage, Inc. lend?
Flat Branch Mortgage, Inc. decided applications in 31 of the states Fat Boy Data covers, most of them in Missouri, Illinois and Arkansas.
Can I apply to Flat Branch Mortgage, Inc. directly?
Yes. Flat Branch Mortgage, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show Flat Branch Mortgage, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Flat Branch Mortgage, Inc. treats applications, then get a rate quote from the lender.