FLAT BRANCH MORTGAGE, INC.
15,370 mortgages originated in 2025 across 11 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 15,370
- Median rate
- 6.500%
- Median lender fees
- $4,490
- Median loan amount
- $215,000
- Median spread over APOR
- 0.330
- Paid discount points
- 45.8%
- Received lender credits
- 29.9%
- Purchases / refinances
- 88.9% / 10.5%
- Conventional / FHA / VA
- 56.6% / 26.4% / 10.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 97.4% of loans here — see methodology.
Where FLAT BRANCH MORTGAGE, INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Missouri | 7,301 | $4,150 | 6.625% |
| Illinois | 1,758 | $3,341 | 6.625% |
| Arkansas | 1,481 | $4,960 | 6.490% |
| Oklahoma | 1,425 | $6,888 | 6.490% |
| Kansas | 1,216 | $4,234 | 6.625% |
| Texas | 675 | $7,376 | 6.500% |
| Colorado | 311 | $6,525 | 6.250% |
| Iowa | 298 | $4,354 | 6.563% |
| Indiana | 268 | $3,672 | 6.625% |
| Nebraska | 264 | $3,645 | 6.625% |
| Tennessee | 129 | $6,311 | 6.375% |