(636) 542-4684

Apply with Todd

Todd Schindler

Senior Mortgage Banker

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

Apply with Todd

Flat Branch Home Loans
Meet Todd Schindler

Todd Schindler is a Mortgage Banker for Flat Branch Home Loans. He focuses on residential purchases and refinancing on primary properties and investment properties. Todd has more than seven years of mortgage lending experience in the St. Louis area, and has survived the ups and downs of the housing market fluctuations. As a Mortgage Banker, Todd’s philosophy is to treat every customer with the utmost respect and care during the mortgage process, and make sure every person he works with is set up with the proper loan the first time. Todd wants you to be his client for life, and he treats you accordingly. He strives to build lasting relationships that enable each and every person relying on him for their financing needs the opportunity to achieve the American Dream. He understands that the purchase of a home is a large investment - both financially and emotionally - and he knows that borrowers have many options. Todd feels that the relationships with his clients should not end at the closing table, as is the case with most lenders; but it should continue over time through future follow-up calls, e-mails, and letters about topics including market updates and refinancing opportunities. 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 Todd to better serve clients and help make the process as smooth as possible. Todd looks forward to giving each and every one of his clients the best experience in the purchase/refinance of their home!

Recent blog post by Todd Schindler

Changes in Tax Reform 2018 and How You Can Consolidate Your Loans

Thursday, February 22nd 2018

In regards to home equity debt, the tax law eliminates the deduction for interest. In other words, with the new tax reform, a home equity line of credit (HELOC) will no longer be tax deductible. Wh ...

Read more
Photo of Todd SchindlerPhoto of Todd SchindlerPhoto of Todd SchindlerPhoto of Todd SchindlerPhoto of Todd SchindlerPhoto of Todd Schindler

Calculate Your Monthly Payment

Get started with Todd today!

947 Waterbury Falls Drive
O'Fallon, MO 63368

Office: (636) 542-4684

Mobile: (636) 387-3112

NMLS#: 264405

Email: tschindler@fbhl.com

Apply with Todd

The information provided by these calculators are for illustrative purposes only and are supplied on the current market average. All figures are hypothetical and may not apply to your individual situation. Be sure to contact a Mortgage Banker or financial professional for exact information.

What our clients say about Todd


"Todd Schindler was my loan officer. He was quick to respond to questions I had which is important to me. He went the extra mile to handle my application and the whole experience in obtaining a loan."

- Lenita

"Todd is knowledgeable and easy to work with. Thank you!"

- Michael

"Todd made my home buying process super easy and painless. He answered every question I had and was always quick to respond to everything. I highly recommend Todd! "

- Charley

Apply with Todd 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.


Apply with Todd

947 Waterbury Falls Drive
O'Fallon, MO 63368

Office: (636) 542-4684

Mobile: (636) 387-3112

Fax: (636) 542-4688

NMLS#: 264405

Email: tschindler@fbhl.com