How we started

Picture of Flat Branch President, Jim Yankee.

In 2005 Flat Branch Home Loans was founded in Columbia, Missouri by President Jim Yankee. Jim began as a Loan Originator and carried out most of the loan process on his own. His knowledge and understanding of the mortgage business and the importance of a well-balanced team have created much success for Flat Branch Home Loans and the people we serve. Jim is still actively involved in the business and prides himself on always being available to help.

Since the first years of existence for our mortgage business, we have grown steadily yet tremendously by branching out throughout the state as well as to multiple other surrounding states. While being one of the largest lenders in the state, we have maintained a family atmosphere and a commitment to excellence. We believe in hiring the very best people and providing them with the tools and support to serve you in your home success.

A Glance at How We've grown

Picture of Downtown Columbia Missouri office

Regardless of the interest rate environment and real estate market trends, Flat Branch Home Loans has grown consistently each and every year. What started in 2005 with one person, has grown into over 228 people in over 28 locations (as of June 12, 2017).

Our team accomplishes this steady success through an ongoing focus on internal improvement. Our entire team works every single day to further improve the customer experience and maintain a strong, positive relationship between operations and sales.

In 2015, Flat Branch Home Loans extended its commitment to excellence into loan servicing. We now sell our loans directly to Fannie Mae and Ginnie Mae and continue to retain the servicing on nearly every loan we originate. By doing so, we are able to provide the same high level of customer service not only at application and closing, but for the entire 30 years of the loan.

Our Flat Branch family

Flat Branch Home Loans is truly unique because of the friendly and helping atmosphere. Our team members aren’t just coworkers, they’re friends. Every single “Flat Brancher” from Underwriters to Managers is there to help our team of loan officers succeed in providing you and your family with future home success.

Team Member Ronda Hickey works at her desk.

Flat Branch Home Loans isn’t a stuffy bank and it isn't a big corporation. We’re a relatively small company focused on doing things right and being the absolute best at what we do. Our people have fun, relax and can be themselves. Happy hours and barbeques are not an uncommon occurrence.


Flat Branch Opens it's doors for business in downtown Columbia.


Flat Branch opens it's first satelite office near Fort Leonard Wood.


The Mortgage industry melts down, beginning with the Lehman Brothers collapse


Flat Branch transitions to a full-service mortgage banker, incorporating local, in-house underwriting and processing.


Ranked by Inc. Magazine as the 321st fastest growing private business in the United States


Flat Branch becomes No. 1 purchase lender in Columbia, per government statistics


Ranked by Inc Magazine as the third fastest-growing business in Missouri


Flat Branch opens servicing center to service loans locally in-house.


Flat Branch continues to be recognized as one of the state's top lenders under the USDA Rural Developement's Guarenteed Rural Housing Loan Program.


Flat Branch expects to keep growing with multiple office openings.

World Class Support in an Effort to Provide You with the Best Possible Home-buying Experience

Because of our high standards, exceptional teamwork and aggressive pay, Flat Branch Home Loans has been able to recruit and retain the best people in the state of Missouri. All high producing LO’s have one thing in common: they need a strong support team to ensure their production receives the attention it deserves, and our team makes sure everybody is receiving the support needed for success. At Flat Branch Home Loans we live, work, and play in the communities we serve. Ensuring that you make the right choice for you and your family is our ultimate goal, and we are committed to providing customers with mortgage services that exceed their expectations. Our team at Flat Branch Home Loans looks forward to working with you!

Team Stone
Team CordryOur team in Des Peres Missouri