Applications / Mortgage Analytics / Lenders / Missouri / Flat Branch Mortgage
Columbia, MO · Independent non-bank lender · CFPB · 15,375 loans in 2025
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15,375
loans originated, 2025
18,921
applications, 2025
33
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Flat Branch Mortgage is a Missouri home-purchase lender that leads its home markets: it ranked first of 640 lenders in non-metro Missouri and first of 219 in Joplin, with 26.3% of that market.
Beyond its first places in non-metro Missouri and Joplin, where its share rose from 26.0% to 26.3%, it ranked 6 of 476 lenders in Tulsa with 4.1% and 7 of 637 in St. Louis with 2.5%, both unchanged. Purchases were 88.9% of its loans.
RHS (guaranteed by the Department of Agriculture's Rural Housing Service) loans were 6.5% of its lending, against 0.3% at similar lenders (independent non-bank lenders making between half and twice as many loans), the highest among them. 39.5% of its loans went to LMI (low- and moderate-income) borrowers, against 29.9%, higher than more than four in five similar lenders. Its typical loan was $215,000, against $285,000.
6.5% of its loans were in majority-minority areas, against 27.6%, the lowest among similar lenders, and 17.5% in LMI areas, against 21.6%. Its lending centres on rural Missouri and smaller markets such as Joplin, which could account for both.
It turned down 1.1% of decided first-lien home-purchase applications on owner-occupied homes, against 8.5% at similar lenders, and 1.4% of refinance applications, against 16.8%, the lowest among them.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Flat Branch Mortgage took 18,921 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.9% · Refinance 10.5% · Home improvement 0.6%
Conventional 56.6% · FHA 26.4% · VA 10.6% · USDA (RHS or FSA) 6.5% · of 15,375 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 7,304 | 47.5% |
| Illinois | 1,758 | 11.4% |
| Arkansas | 1,482 | 9.6% |
| Oklahoma | 1,425 | 9.3% |
| Kansas | 1,216 | 7.9% |
| Texas | 675 | 4.4% |
| Colorado | 311 | 2.0% |
| Iowa | 298 | 1.9% |
| Indiana | 268 | 1.7% |
| Nebraska | 264 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 1,548 |
| Joplin | 1,175 |
| Kansas City | 1,028 |
| Tulsa | 893 |
| Springfield | 847 |
| Fayetteville-Springdale-Rogers | 671 |
| Peoria | 662 |
| Columbia | 552 |
| Jefferson City | 517 |
| Little Rock-North Little Rock-Conway | 448 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LXKO1O7CSK5J52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4183488 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7202746596 |
Established 26 April 2005. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Flat Branch Mortgage's data.
Flat Branch Mortgage's data
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