Flat Branch Mortgage in Missouri vs the state
0.9%Denial rate-14.13 pts vs state
1.1%Decision denial rate-17.56 pts vs state
81.1%Origination rate+18.47 pts vs state
6.63%Median rate0.00 pts vs state
0.32Rate spread (pts)-0.03 pts vs state
$83kMedian applicant income
7,301Loans originated
85Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,478 | 6,004 | 1.7% | 6.75% | #1 |
| 2024 | 8,457 | 6,838 | 1.5% | 6.63% | #2 |
| 2025 | 8,999 | 7,301 | 0.9% | 6.63% | #2 |
What Flat Branch Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Flat Branch Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jasper County | 987 | 768 | 5 | 0.5% |
| Boone County | 605 | 506 | 1 | 0.2% |
| Greene County | 589 | 479 | 4 | 0.7% |
| Jackson County | 535 | 427 | 3 | 0.6% |
| St. Louis County | 515 | 449 | 4 | 0.8% |
| St. Charles County | 468 | 414 | 4 | 0.9% |
| Newton County | 379 | 291 | 6 | 1.6% |
| Cole County | 322 | 273 | 2 | 0.6% |
| Pulaski County | 255 | 190 | 2 | 0.8% |
| Christian County | 235 | 199 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
| Pennymac Loan Services | C | 4,610 | 12.1% | 6.38% |
Frequently asked questions
Missouri: 8,999 applications in 2025, of which 7,301 were originated and 85 denied.
0.9% of all applications, or 1.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Flat Branch Mortgage originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Flat Branch Mortgage's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology