Lender in Texas · HMDA 2025
Flat Branch Mortgage, Inc. mortgages in Texas
Flat Branch Mortgage, Inc.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Flat Branch Mortgage, Inc. originated 617 owner-occupied single-family loans in Texas from 635 completed applications.
Its median conventional purchase loan costs were $4,960 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
617
of 635 applications
Denial rate
1.8%
Purchase · TX 10.2%
Rate spread
+0.26 pts
Conv. · TX +0.09 pts
Loan amount
$205,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 597 | 580 | 1.8% | 6.625% | +0.26 pts | $4,960 | $205,000 |
| Refinance | 25 | 24 | 4.0% | — | — | — | $295,000 |
| Cash-out refinance | 13 | 13 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Flat Branch Mortgage, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wichita County | 1 | 248 | 17.0% |
| Hockley County | 1 | 42 | 21.2% |
| Wilbarger County | 1 | 13 | 17.1% |
| Baylor County | 1 | 5 | 17.9% |
| Cochran County | 1 | 2 | 40.0% |
| Archer County | 2 | 23 | 14.7% |
| Clay County | 2 | 21 | 13.9% |
| Young County | 3 | 11 | 7.2% |
| Lamb County | 5 | 4 | 5.1% |
| Dawson County | 8 | 2 | 3.0% |
| Hardeman County | 9 | 1 | 4.0% |
| Terry County | 10 | 3 | 4.4% |
| Hale County | 12 | 4 | 2.0% |
| Hall County | 12 | 1 | 4.0% |
| Midland County | 14 | 55 | 1.7% |
| Andrews County | 14 | 5 | 2.1% |
| Crosby County | 15 | 1 | 3.2% |
| Lubbock County | 16 | 66 | 1.5% |
| Ector County | 16 | 34 | 1.6% |
| Swisher County | 21 | 1 | 1.6% |
| Yoakum County | 21 | 1 | 2.0% |
| Mitchell County | 23 | 1 | 2.1% |
- Flat Branch Mortgage, Inc. nationwide
- Texas mortgage market
- Flat Branch Mortgage, Inc. in Missouri
- Flat Branch Mortgage, Inc. in Illinois
- Flat Branch Mortgage, Inc. in Oklahoma
- Flat Branch Mortgage, Inc. in Arkansas
- Flat Branch Mortgage, Inc. in Kansas
- Flat Branch Mortgage, Inc. in Colorado
- Flat Branch Mortgage, Inc. in Iowa
- Flat Branch Mortgage, Inc. in Indiana
- Flat Branch Mortgage, Inc. in Nebraska
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology