Preapproval Center

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About Us

About Us


Flat Branch Home Loans originated in 2006 in Columbia, Missouri with the mission of making the home-buying process easy and efficient.

Flat Branch Home Loans established its’ roots just as the real estate market began to collapse. As the “Great Recession II” set in and caused banks to start closing on a weekly basis, Flat Branch grew by developing a reputation for reliability and strong community relationships.

In 2007 Flat Branch became a fully-certified FHA lender. Flat Branch’s FHA program has since helped countless people buy their first home with an FHA loan. For more information about our FHA loan program, click here.

2007 also marked the opening of Flat Branch’s VA loan division in Fort Leonard Wood, Missouri. The VA loan program helps military families purchase homes with no down payment or monthly PMI. To learn more about VA loans click here.

Flat Branch Home Loans

In 2008 the Flat Branch became a completely local, in-house lender, funding and underwriting all of its loans on-site. Because of this Flat Branch is able to provide its customers with a smooth, pleasant process from start to finish.

In 2011, Flat Branch received formal recognition for its continued growth when it was named to Inc. magazine’s “Top 500 Fastest Growing Companies”.

From 2011 to present day Flat Branch has continued to grow, opening new offices across the state of Missouri. We currently have local branches in Columbia, Jefferson City, Joplin, Marshall, Moberly, St. Louis, and Springfield. During this time Flat Branch’s original staff of 9 people has grown to well over 100 employees.

Our employees are some of the best in their industry and have been a key ingredient to our continued growth and success. By only hiring the best, we’ve been able to maintain our strong reputation as a reliable, customer-oriented lender that consistently closes its loans on time.

In early 2014 Flat Branch Home Loans experienced another significant milestone when we received approval to service our conventional loans (Fannie Mae) and government-backed programs (USDA, FHA and VA). This has allowed us to provide an even higher level of customer service to our clients as they can now truly rely on Flat Branch from the very start of the loan process (i.e., applying for the loan) to the end (i.e., making the monthly mortgage payments). The ability we now have to handle the complete loan process in-house enables us to provide an unmatched level of service to both clients and realtor partners alike.

Flat Branch Mortgage Inc.

In late 2014 Flat Branch gained licensure in two additional states (Arkansas and Oklahoma). As we continue to grow and branch out into other states, our goal is to provide the same level of exceptional service and industry expertise that has enabled us to thrive in communities throughout the state of Missouri.


At Flat Branch Home Loans, we believe in one thing, service to our customers. This is reflected in our mission statement:

Flat Branch Home Loans is a full service mortgage banker providing quality home loans to homeowners across the states of Missouri, Kansas, Arkansas, and Oklahoma. We save our clients money by negotiating lower rates and fees with our suppliers. Flat Branch will develop and build on our reputation for low rates with impeccable, local service.

With this statement as our guide, we look forward to delivering professional mortgage service to you.

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