(573) 469 - 4780

Apply with Katie

Katie Karr

Senior Mortgage Banker

Flat Branch Home Loans offers a variety of mortgage products to meet your needs.

Apply with Katie

About Katie


Katie Karr is a Senior Mortgage Banker and Team Leader with Flat Branch Home Loans in Lake Ozark, MO. Her #1 mission is to provide a smooth and enjoyable mortgage transaction for borrowers, while offering quality mortgage products at a competitive price, with professional, personalized, and above all, friendly service. She loves people and numbers. Katie enjoys taking the time to analyze multiple tax returns for self-employed borrowers as much as helping a first-time homebuyer get through some credit issues before buying a home. Katie has more than 30 years of banking experience, working with industry mentors and building valuable relationships in her real estate community. Her background includes loan servicing, file audit, compliance, commercial and mortgage processing, originating, and as Vice President & Mortgage Production Supervisor for Union Planters Bank, and as Assistant Vice President & Senior Lender at Bank Star One. She has been primarily originating residential secondary market mortgage loans for the past 16 plus years. Katie has lived in the Lake area resident for more than 20 years and is an active community leader. She currently serves as board member and treasurer and as past-president for the Kiwanis Club of Ozark Coast Foundation, and actively supports many charitable and community events in the area such as Kiwanis, Citizens Against Domestic Violence, Big Brothers Big Sisters, Folds of Honor, Totes For Tatas, and many Lake Area Chamber of Commerce events. Professionally, she is a member of the Heart of the Ozarks Professional Business Women and the Women’s Council of Realtors, the Bagnell Dam Association of Realtors, and the Lake Area Chamber of Commerce, earning their TAG “Together Achieving Growth” Award in 2012. Katie was voted Best of the Lake Mortgage Professional by the LakeOnline readers poll for 2014, 2015 and 2016. She’s married to radio personality and all-around-great-guy, Jeff Karr, of Mix 92.7FM. They live in Lake Ozark with their cat Zoe. When Katie’s not working or volunteering, she loves to read, golf, go glamping in their travel trailer, paint acrylics and fly around the country to visit family. “After all these years, I’m still excited to go to work every day. Helping clients to purchase their family home or to refinance is such a rewarding career. Building my client base at the Lake of the Ozarks has been a wonderful experience, as friends become clients and new clients become friends.” Working one on one with a local, experienced loan officer backed by knowledgeable staff handling your loan from start to finish is so important. In-house processing and underwriting allows Katie to better serve clients and help to make the process as smooth as possible. Katie looks forward to giving each and every one of her clients the best experience in the purchase of their new home!

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Apply with Katie today

Flat Branch Home Loans offers a variety of mortgage products to meet your needs including conventional loans, FHA loans, VA loans, USDA loans and many others.


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2882 Bagnell Dam Boulevard
Lake Ozark, MO 65049

Office: (573) 469 - 4780

Mobile: (573) 216 - 4247

Fax: (573) 552 - 9010

NMLS#: 263796

Email: kkarr@fbhl.com