Flat Branch Mortgage, Inc. Mortgage Lending & HMDA Data, 2025

In 2025, Flat Branch Mortgage, Inc. of Columbia, MO reported 19,426 mortgage applications totaling $4.7 billion, up 10% from 2024. The average application was for $240,670, and applicants reported an average income of $104,183. 79% of its applications resulted in an originated loan and 1% were denied. Its largest markets were St. Louis, MO-IL (2,039), Joplin, MO (1,505) and Kansas City, MO-KS (1,290) (applications in parentheses).

Mortgage Company & Address Flat Branch Mortgage, Inc.
101 S. Fifth Street, Ste 200
Columbia, MO 65201
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  
Total Number of Mortgage Applications 19,426
Total Mortgage Loan Application Amount $4,675,260,000
Average Mortgage Loan Application Amount $240,670
Highest Mortgage Loan Application Amount $2,755,000
Average Applicant Income $104,183
Highest Applicant Income $3,292,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Flat Branch Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Flat Branch Mortgage, Inc. by Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 4,816 $ 935,660,000 $ 194,281 $ 88,871
St. Louis, MO-IL 2,039 $ 563,175,000 $ 276,201 $ 117,711
Joplin, MO 1,505 $ 287,795,000 $ 191,225 $ 82,915
Kansas City, MO-KS 1,290 $ 370,510,000 $ 287,217 $ 116,127
Tulsa, OK 1,171 $ 290,405,000 $ 247,997 $ 99,000
Springfield, MO 1,019 $ 257,745,000 $ 252,939 $ 106,000
Fayetteville-Springdale-Rogers, AR-MO 821 $ 255,115,000 $ 310,736 $ 131,000
Peoria, IL 788 $ 135,760,000 $ 172,284 $ 99,000
Columbia, MO 672 $ 181,330,000 $ 269,836 $ 110,000
Jefferson City, MO 625 $ 156,145,000 $ 249,832 $ 91,000
Little Rock-North Little Rock-Conway, AR 570 $ 112,120,000 $ 196,701 $ 84,000
Omaha-Council Bluffs, NE-IA 389 $ 122,185,000 $ 314,100 $ 152,550
Wichita Falls, TX 377 $ 74,115,000 $ 196,591 $ 92,000
Topeka, KS 354 $ 73,550,000 $ 207,768 $ 90,000
Colorado Springs, CO 308 $ 129,820,000 $ 421,493 $ 115,000
Wichita, KS 270 $ 58,700,000 $ 217,407 $ 97,000
Indianapolis-Carmel-Anderson, IN 257 $ 77,205,000 $ 300,408 $ 125,000
Champaign-Urbana, IL 238 $ 53,640,000 $ 225,378 $ 111,000
Oklahoma City, OK 173 $ 48,725,000 $ 281,647 $ 129,000
Cedar Rapids, IA 153 $ 32,825,000 $ 214,542 $ 84,000
Lubbock, TX 152 $ 32,070,000 $ 210,986 $ 95,000
Fort Smith, AR-OK 120 $ 23,060,000 $ 192,166 $ 86,200
Midland, TX 84 $ 24,620,000 $ 293,095 $ 136,000
Nashville-Davidson--Murfreesboro--Franklin, TN 83 $ 32,685,000 $ 393,795 $ 171,000
Springfield, IL 79 $ 16,565,000 $ 209,683 $ 101,000
Cape Girardeau, MO-IL 78 $ 19,520,000 $ 250,256 $ 98,794
Decatur, IL 73 $ 9,865,000 $ 135,136 $ 77,000
Jonesboro, AR 52 $ 9,460,000 $ 181,923 $ 88,000
Bloomington, IL 42 $ 8,670,000 $ 206,428 $ 96,000
Odessa, TX 42 $ 10,330,000 $ 245,952 $ 96,000
St. Joseph, MO-KS 39 $ 7,905,000 $ 202,692 $ 84,051
Pueblo, CO 34 $ 10,030,000 $ 295,000 $ 78,000
Denver-Aurora-Lakewood, CO 30 $ 16,240,000 $ 541,333 $ 157,000
Greenville-Anderson-Mauldin, SC 27 $ 9,395,000 $ 347,962 $ 145,000
Chicago-Naperville, IL 26 $ 9,790,000 $ 376,538 $ 281,000
Fort Collins, CO 26 $ 13,040,000 $ 501,538 $ 190,000
Iowa City, IA 26 $ 7,750,000 $ 298,076 $ 117,000
Lawton, OK 26 $ 4,460,000 $ 171,538 $ 82,000
Dallas-Plano-Irving, TX 24 $ 8,800,000 $ 366,666 $ 134,000
Kokomo, IN 23 $ 3,915,000 $ 170,217 $ 77,000
Fayetteville, NC 20 $ 5,550,000 $ 277,500 $ 101,000
Houston-The Woodlands-Sugar Land, TX 18 $ 6,780,000 $ 376,666 $ 367,000
Chattanooga, TN-GA 17 $ 7,155,000 $ 420,882 $ 139,882
Knoxville, TN 15 $ 4,975,000 $ 331,666 $ 116,000
Memphis, TN-MS-AR 15 $ 3,805,000 $ 253,666 $ 106,066
Boulder, CO 12 $ 7,660,000 $ 638,333 $ 358,000
Davenport-Moline-Rock Island, IA-IL 12 $ 1,550,000 $ 129,166 $ 88,333
Des Moines-West Des Moines, IA 12 $ 3,930,000 $ 327,500 $ 158,000
Elgin, IL 12 $ 4,560,000 $ 380,000 $ 181,000
Lake County-Porter County-Jasper County, IN 12 $ 2,460,000 $ 205,000 $ 102,000
Morristown, TN 12 $ 2,290,000 $ 190,833 $ 75,000
Hot Springs, AR 11 $ 3,455,000 $ 314,090 $ 180,000
Charlotte-Concord-Gastonia, NC-SC 10 $ 4,590,000 $ 459,000 $ 213,000
Greeley, CO 10 $ 4,360,000 $ 436,000 $ 147,000
Manhattan, KS 10 $ 2,080,000 $ 208,000 $ 90,000
Spartanburg, SC 10 $ 2,290,000 $ 229,000 $ 82,000
Fort Worth-Arlington, TX 9 $ 3,865,000 $ 429,444 $ 168,000
Lawrence, KS 9 $ 2,185,000 $ 242,777 $ 132,000
Paducah, KY-IL 9 $ 1,355,000 $ 150,555 $ 74,333
Phoenix-Mesa-Scottsdale, AZ 9 $ 5,945,000 $ 660,555 $ 285,000
Atlanta-Sandy Springs-Roswell, GA 8 $ 4,410,000 $ 551,250 $ 298,000
Austin-Round Rock, TX 8 $ 3,300,000 $ 412,500 $ 133,000
Cape Coral-Fort Myers, FL 8 $ 4,090,000 $ 511,250 $ 344,000
Lincoln, NE 8 $ 2,860,000 $ 357,500 $ 161,000
San Antonio-New Braunfels, TX 8 $ 3,260,000 $ 407,500 $ 257,000
Albuquerque, NM 6 $ 2,130,000 $ 355,000 $ 119,000
Clarksville, TN-KY 6 $ 1,650,000 $ 275,000 $ 84,000
Killeen-Temple, TX 6 $ 2,380,000 $ 396,666 $ 162,000
Terre Haute, IN 6 $ 920,000 $ 153,333 $ 52,000
Amarillo, TX 5 $ 1,275,000 $ 255,000 $ 123,000
Cincinnati, OH-KY-IN 5 $ 1,455,000 $ 291,000 $ 113,800
Crestview-Fort Walton Beach-Destin, FL 5 $ 2,575,000 $ 515,000 $ 443,000
Olympia-Tumwater, WA 5 $ 2,115,000 $ 423,000 $ 94,000
Pinehurst-Southern Pines, NC 5 $ 1,735,000 $ 347,000 $ 167,000
St. Petersburg-Clearwater-Largo, FL 5 $ 1,925,000 $ 385,000 $ 209,000
Tampa, FL 5 $ 1,375,000 $ 275,000 $ 87,000
Abilene, TX 4 $ 710,000 $ 177,500 $ 93,000
Bloomington, IN 4 $ 1,180,000 $ 295,000 $ 101,000
Columbia, SC 4 $ 1,510,000 $ 377,500 $ 139,000
Daphne-Fairhope-Foley, AL 4 $ 2,550,000 $ 637,500 $ 154,000
Lake County-Kenosha County, IL-WI 4 $ 1,420,000 $ 355,000 $ 139,000
Milwaukee-Waukesha-West Allis, WI 4 $ 1,080,000 $ 270,000 $ 118,000
Mobile, AL 4 $ 830,000 $ 207,500 $ 70,000
Muncie, IN 4 $ 610,000 $ 152,500 $ 59,000
Orlando-Kissimmee-Sanford, FL 4 $ 1,220,000 $ 305,000 $ 187,000
Palm Bay-Melbourne-Titusville, FL 4 $ 1,300,000 $ 325,000 $ 79,000
Tyler, TX 4 $ 1,140,000 $ 285,000 $ 83,000
El Paso, TX 3 $ 645,000 $ 215,000 $ 101,000
Evansville, IN-KY 3 $ 915,000 $ 305,000 $ 116,000
Fort Wayne, IN 3 $ 805,000 $ 268,333 $ 111,000
Jacksonville, FL 3 $ 975,000 $ 325,000 $ 165,000
Naples-Immokalee-Marco Island, FL 3 $ 3,635,000 $ 1,211,666 $ 374,000
North Port-Sarasota-Bradenton, FL 3 $ 1,175,000 $ 391,666 $ 116,000
Panama City, FL 3 $ 525,000 $ 175,000 $ 95,000
Raleigh, NC 3 $ 3,485,000 $ 1,161,666 $ 390,000
Rockford, IL 3 $ 905,000 $ 301,666 $ 80,000
Wilmington, NC 3 $ 1,525,000 $ 508,333 $ 203,000
Birmingham-Hoover, AL 2 $ 590,000 $ 295,000 $ 95,000
Cleveland, OH 2 $ 680,000 $ 340,000 $ 163,000
Corpus Christi, TX 2 $ 1,220,000 $ 610,000 $ 47,000
Deltona-Daytona Beach-Ormond Beach, FL 2 $ 690,000 $ 345,000 $ 187,000
Dubuque, IA 2 $ 380,000 $ 190,000 $ 70,000
Enid, OK 2 $ 180,000 $ 90,000 $ 61,000
Greensboro-High Point, NC 2 $ 460,000 $ 230,000 $ 199,000
Jackson, MS 2 $ 1,390,000 $ 695,000 $ 225,000
Jacksonville, NC 2 $ 520,000 $ 260,000 $ 118,000
Johnson City, TN 2 $ 600,000 $ 300,000 $ 101,000
Kankakee, IL 2 $ 870,000 $ 435,000 $ 118,000
Lafayette-West Lafayette, IN 2 $ 490,000 $ 245,000 $ 70,000
Lancaster, PA 2 $ 540,000 $ 270,000 $ 126,000
Montgomery, AL 2 $ 280,000 $ 140,000 $ 59,000
Pensacola-Ferry Pass-Brent, FL 2 $ 360,000 $ 180,000 $ 262,000
Richmond, VA 2 $ 300,000 $ 150,000 $ 76,000
San Angelo, TX 2 $ 510,000 $ 255,000 $ 58,000
Santa Fe, NM 2 $ 780,000 $ 390,000 $ 231,000
Texarkana, TX-AR 2 $ 160,000 $ 80,000 $ 55,000
Waco, TX 2 $ 540,000 $ 270,000 $ 80,000
Waterloo-Cedar Falls, IA 2 $ 390,000 $ 195,000 $ 78,000
West Palm Beach-Boca Raton-Delray Beach, FL 2 $ 1,460,000 $ 730,000 $ 240,000
Anaheim-Santa Ana-Irvine, CA 1 $ 1,355,000 $ 1,355,000 $ 389,000
Baton Rouge, LA 1 $ 195,000 $ 195,000 $ 203,000
Blacksburg-Christiansburg-Radford, VA 1 $ 275,000 $ 275,000 $ 82,000
Bremerton-Silverdale, WA 1 $ 515,000 $ 515,000 $ 100,000
Charleston-North Charleston, SC 1 $ 805,000 $ 805,000 $ 485,000
Eau Claire, WI 1 $ 425,000 $ 425,000 $ 275,000
Erie, PA 1 $ 345,000 $ 345,000 $ 127,000
Fresno, CA 1 $ 425,000 $ 425,000 $ 149,000
Gainesville, GA 1 $ 375,000 $ 375,000 $ 166,000
Great Falls, MT 1 $ 405,000 $ 405,000 $ 87,000
Green Bay, WI 1 $ 305,000 $ 305,000 $ 66,000
Jackson, MI 1 $ 225,000 $ 225,000 $ 137,000
Lakeland-Winter Haven, FL 1 $ 275,000 $ 275,000 $ 64,000
Lansing-East Lansing, MI 1 $ 345,000 $ 345,000 $ 130,000
Las Cruces, NM 1 $ 555,000 $ 555,000 $ 215,000
Los Angeles-Long Beach-Glendale, CA 1 $ 825,000 $ 825,000 $ 332,000
Louisville/Jefferson County, KY-IN 1 $ 1,055,000 $ 1,055,000 $ 326,000
Madison, WI 1 $ 335,000 $ 335,000 $ 181,000
Manchester-Nashua, NH 1 $ 655,000 $ 655,000 $ 180,000
Mansfield, OH 1 $ 285,000 $ 285,000 $ 152,000
Marietta, GA 1 $ 275,000 $ 275,000 $ 75,000
Miami-Miami Beach-Kendall, FL 1 $ 2,005,000 $ 2,005,000 $ 1,272,000
Minneapolis-St. Paul-Bloomington, MN-WI 1 $ 405,000 $ 405,000 $ 120,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 1 $ 405,000 $ 405,000 $ 134,000
Ocala, FL 1 $ 245,000 $ 245,000 $ 229,000
Oshkosh-Neenah, WI 1 $ 305,000 $ 305,000 $ 117,000
Pittsburgh, PA 1 $ 145,000 $ 145,000 $ 158,000
Portland-Vancouver-Hillsboro, OR-WA 1 $ 255,000 $ 255,000 $ 55,000
Prescott Valley-Prescott, AZ 1 $ 915,000 $ 915,000 $ 256,000
Punta Gorda, FL 1 $ 425,000 $ 425,000 $ 150,000
Riverside-San Bernardino-Ontario, CA 1 $ 665,000 $ 665,000 $ 234,000
Sherman-Denison, TX 1 $ 315,000 $ 315,000 $ 133,000
Shreveport-Bossier City, LA 1 $ 275,000 $ 275,000 $ 165,000
Sioux City, IA-NE-SD 1 $ 265,000 $ 265,000 $ 133,000
Sioux Falls, SD 1 $ 705,000 $ 705,000 $ 173,000
South Bend-Mishawaka, IN-MI 1 $ 765,000 $ 765,000 $ 325,000
Tacoma-Lakewood, WA 1 $ 415,000 $ 415,000 $ 72,000
Tallahassee, FL 1 $ 135,000 $ 135,000 $ 108,000
Tuscaloosa, AL 1 $ 505,000 $ 505,000 $ 309,000
Visalia-Porterville, CA 1 $ 225,000 $ 225,000 $ 71,000
Warner Robins, GA 1 $ 165,000 $ 165,000 $ 77,000
Wildwood-The Villages, FL 1 $ 285,000 $ 285,000 $ 127,000
Winchester, VA-WV 1 $ 415,000 $ 415,000 $ 185,000
York-Hanover, PA 1 $ 245,000 $ 245,000 $ 115,000

Mortgage Loan Application Detail Totals for Flat Branch Mortgage, Inc. in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 17,198 $4,053,110,000 $235,000 $2,725,000 $102,000 $3,292,000
Refinancing 1,291 $412,735,000 $319,000 $2,755,000 $124,000 $1,795,000
Cash-out Refinancing 805 $184,975,000 $229,000 $1,595,000 $118,000 $1,372,000
Home Improvement 125 $23,385,000 $187,000 $705,000 $111,000 $542,000
Not Applicable 7 $1,055,000 $150,000 $195,000 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 13,765 $3,318,035,000 $241,000 $2,755,000 $104,000 $1,795,000
Not Provided 2,656 $666,090,000 $250,000 $2,005,000 $113,000 $1,768,000
Hispanic 1,299 $300,095,000 $231,000 $1,005,000 $90,000 $3,292,000
Black or African American 886 $184,320,000 $208,000 $805,000 $87,000 $1,372,000
American Indian or Alaskan Native 439 $95,195,000 $216,000 $955,000 $98,000 $1,224,000
Asian 352 $105,150,000 $298,000 $1,505,000 $129,000 $780,000
Native Hawaiian or Other Pacific Islander 27 $6,065,000 $224,000 $495,000 $79,000 $197,000
Not applicable 2 $310,000 $155,000 $195,000 $58,000 $76,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 10,895 $2,686,955,000 $246,000 $2,755,000 $120,000 $3,292,000
FHA-insured (Federal Housing Administration) 5,176 $1,127,200,000 $217,000 $735,000 $83,000 $722,000
VA-guaranteed (Veterans Administration) 2,075 $649,705,000 $313,000 $1,775,000 $97,000 $440,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1,280 $211,400,000 $165,000 $445,000 $67,000 $139,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 15,375 $3,707,345,000 $241,000 $2,725,000 $104,000 $3,292,000
Application Withdrawn By Applicant 3,162 $738,170,000 $233,000 $2,755,000 $102,000 $1,767,000
Preapproval Approved but not Accepted 483 $142,725,000 $295,000 $1,505,000 $108,000 $636,000
Application Denied By Financial Institution 184 $36,290,000 $197,000 $795,000 $79,000 $388,000
Application Approved But Not Accepted 142 $31,370,000 $220,000 $775,000 $90,000 $323,000
File Closed For Incompleteness 58 $15,250,000 $262,000 $955,000 $104,000 $302,000
Preapproval Denied by Financial Institution 15 $3,055,000 $203,000 $445,000 $132,000 $1,140,000
Loan Purchased By The Institution 7 $1,055,000 $150,000 $195,000 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 19,227 $4,635,915,000 $241,000 $2,755,000 $104,000 $3,292,000
Debt-To-Income Ratio 76 $16,050,000 $211,000 $525,000 $62,000 $283,000
Collateral 41 $6,015,000 $146,000 $335,000 $114,000 $1,140,000
Credit History 39 $7,735,000 $198,000 $795,000 $90,000 $306,000
Insufficient Cash (Downpayment, Closing Cost) 13 $2,245,000 $172,000 $285,000 $64,000 $123,000
Unverifiable Information 10 $2,590,000 $259,000 $445,000 $82,000 $165,000
Other 9 $2,365,000 $262,000 $575,000 $121,000 $278,000
Employment History 7 $1,575,000 $225,000 $485,000 $81,000 $133,000
Credit Application Incomplete 4 $770,000 $192,000 $365,000 $99,000 $149,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Flat Branch Mortgage, Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Flat Branch Mortgage, Inc.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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