Lender in Oklahoma · HMDA 2025
Flat Branch Mortgage, Inc. mortgages in Oklahoma
Flat Branch Mortgage, Inc.'s 2025 home-purchase and refinance lending in Oklahoma, compared with all lenders in the state.
Flat Branch Mortgage, Inc. originated 1,303 owner-occupied single-family loans in Oklahoma from 1,336 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $4,830 versus $4,880 for all Oklahoma lenders, at a median 30-year fixed rate of 6.50% (Oklahoma: 6.625%).
Loans in OK
1,303
of 1,336 applications
Denial rate
1.6%
Purchase · OK 7.6%
Rate spread
+0.21 pts
Conv. · OK +0.21 pts
Loan amount
$215,000
Purchase · OK $235,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,241 | 1,213 | 1.6% | 6.500% | +0.21 pts | $4,830 | $215,000 |
| Refinance | 56 | 53 | 1.8% | 6.490% | +0.12 pts | $5,380 | $275,000 |
| Cash-out refinance | 39 | 37 | 5.1% | — | — | — | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Oklahoma counties where Flat Branch Mortgage, Inc. ranks in the top 25
Showing the 30 counties where it ranks highest, of 36.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kay County | 1 | 115 | 31.3% |
| Osage County | 1 | 47 | 9.8% |
| Ottawa County | 2 | 33 | 15.0% |
| Okmulgee County | 2 | 30 | 8.7% |
| Nowata County | 2 | 5 | 8.1% |
| Tulsa County | 3 | 524 | 6.4% |
| Delaware County | 3 | 18 | 5.0% |
| Creek County | 4 | 44 | 4.9% |
| Washington County | 4 | 43 | 7.0% |
| McIntosh County | 4 | 7 | 4.2% |
| Wagoner County | 5 | 107 | 5.8% |
| Rogers County | 5 | 77 | 5.2% |
| Adair County | 5 | 5 | 4.1% |
| Haskell County | 5 | 5 | 6.4% |
| Jefferson County | 5 | 2 | 5.1% |
| Coal County | 6 | 2 | 6.7% |
| Atoka County | 7 | 3 | 3.9% |
| Harmon County | 7 | 1 | 8.3% |
| Murray County | 8 | 5 | 3.5% |
| Craig County | 8 | 4 | 3.8% |
| Mayes County | 10 | 17 | 4.0% |
| Noble County | 12 | 2 | 2.5% |
| Stephens County | 14 | 7 | 1.6% |
| Seminole County | 14 | 3 | 1.7% |
| Okfuskee County | 15 | 2 | 2.4% |
| Muskogee County | 16 | 9 | 1.3% |
| Sequoyah County | 16 | 5 | 1.1% |
| Carter County | 17 | 7 | 1.4% |
| McCurtain County | 17 | 2 | 1.5% |
| Tillman County | 17 | 1 | 2.9% |
- Flat Branch Mortgage, Inc. nationwide
- Oklahoma mortgage market
- Flat Branch Mortgage, Inc. in Missouri
- Flat Branch Mortgage, Inc. in Illinois
- Flat Branch Mortgage, Inc. in Arkansas
- Flat Branch Mortgage, Inc. in Kansas
- Flat Branch Mortgage, Inc. in Texas
- 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