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Let's get you home

We’ve got you covered!

We offer a variety of mortgage products to meet your needs

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We craft a loan process just for you!

Because no two borrowers come with the same background, each process is tailored to your personal goals, aspirations, and milestones. Homebuyers walk through our doors from different starting points, but the journey will always end at the home you’ve been working hard for. All of our products are designed with you in mind, so your loan will be perfectly shaped around your wants and needs.

First-time homebuyer loan programs USDA loan programs Refinance loan options VA loan programs

Locally trusted. Nationally recognized.

Flat Branch offers the best of both worlds. Experience the support and resources of a large company within a family environment.

  • Award #5 in the Financial Services Industry with 500-999 employees
  • Award #4 overall USDA Lender in US
  • Award #1 USDA Lender in Missouri
  • Award #1 USDA Lender in Illinois
  • Award #1 USDA Lender in Oklahoma
  • Award #1 USDA Lender in Kansas

With our Flat Branch family, you will never go without.

  • 5 out of 5 stars

    “ An amazing, trustworthy, and supportive lender.

    - Ben from Lewisville, TX | Experience.com

  • 5 out of 5 stars

    “ Great communication! Made the process incredibly easy!

    - Tyler B. from Chesterfield, MO | Experience.com

  • 5 out of 5 stars

    “ Amazing how smooth the process was as a first time homebuyer.

    - Abigail B. Piedmont, OK | Experience.com

  • 5 out of 5 stars

    “ The re-fi was quick and as easy as it could be!

    - Melissa G. St. Louis, MO | Experience.com

  • 5 out of 5 stars

    “ Great easy experience. Treated us like close friends.

    - Lauren W. Overland Park, KS | Experience.com

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We serve our Communities

Love is at the core of all we do. We founded The Giving Branch when we saw a need within our own Flat Branch family, and this inspired us to further our mission of serving our hometowns. It is our goal to assist those within our local communities.

St. Louis Crisis Nursery

$5087029 in funds given

500+ Employee volunteer hours

1000+ Families served

571 Request funded in 2025

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