Flat Branch Mortgage
Flat Branch Mortgage's 13.3k closed loans and 16k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 40 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
USDA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Flat Branch Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+40.1 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
7,772 loans · 0.30% above market
Exceptional
Top 10% of lenders
5/5
FHA
3,206 loans · 0.81% above market
Exceptional
Top 10% of lenders
5/5
VA
1,405 loans · 0.00% above market
Exceptional
Top 20% of lenders
5/5
Jumbo
28 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
USDA
924 loans · 0.56% above market
Exceptional
Top 5% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
12,433 loans · 0.41% above market
Exceptional
Top 10% of lenders
5/5
Refinance
902 loans · 0.27% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Near-National · 41 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 7,772 | 58.3% | +0.300%Above | $1,475Fees | ||||
FHA Loans | 3,206 | 24.0% | +0.812%Above | $1,832Fees | ||||
VA Loans | 1,405 | 10.5% | +0.003%Above | $1,690Fees | ||||
Jumbo Loans | 28 | 0.2% | +0.182%Above | $574Fees | ||||
USDA Loans | 924 | 6.9% | +0.556%Above | $1,271Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume7,772
Mix58.3%
Spread
+0.300%Above
Fees
$1,475Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume3,206
Mix24.0%
Spread
+0.812%Above
Fees
$1,832Fees
VA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume1,405
Mix10.5%
Spread
+0.003%Above
Fees
$1,690Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume28
Mix0.2%
Spread
+0.182%Above
Fees
$574Fees
USDA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume924
Mix6.9%
Spread
+0.556%Above
Fees
$1,271Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 12,433 | 93.2% | +0.413%Above | $1,558Fees | ||||
Refinance | 902 | 6.8% | +0.266%Above | $1,706Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume12,433
Mix93.2%
Spread
+0.413%Above
Fees
$1,558Fees
Refinance
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume902
Mix6.8%
Spread
+0.266%Above
Fees
$1,706Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
13,335
Applications
16,404
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
+0.401%
vs. market APOR
Avg Net Fees
$1,570
Origination − Credits
Pullthrough Rate
81.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$230,175
Avg Borrower Income
$101,143
Avg Property Value
$272,809
Geographic Coverage
Geographic Performance
Metro Areas
40
markets with activity
States Served
32
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
32Full-year 2024 · HMDALoans originated
< 1010–100100–200200–1,0001,000+None
Northeast1
PA
Midwest10
IAILINKSMIMNMONEOHWI
South13
ALARFLGAKYLAMSNCOKSCTNTXVA
West8
AZCACOIDMTNMUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 40 metro areas
Top States by Place Specialization Score
Showing 10 of 15 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.