Flat Branch Mortgage Review: Interest Rates, & Plans

If you’re looking for a home loan expert in the Midwest, you might want to look into “Flat Branch Home Loans.” The Columbia, Missouri-based company has surpassed the industry’s biggest names to become the state’s top home purchase lender.

They are also the largest USDA lender in Missouri, Kansas, and Illinois and the eighth largest nationwide.

That’s quite impressive, and it could be directly related to their combined 1,000+ years of mortgage experience.

They might be a good fit if you’re a prospective home buyer looking for extra help. In this article, you’ll find a complete guide.

About Flat Branch Mortgage

Flat Branch Home Loans provides a wide range of mortgage products to meet your specific needs, including conventional loans, FHA loans, VA loans, USDA loans, and many more.

They are a licensed Mortgage Banker with in-house underwriting, allowing us to provide unrivaled customer service to our clients throughout the loan process. Some interesting facts about them are-

  • They are employee-owned and operated direct-to-consumer mortgage lenders.
  • Flat Branch Mortgage provides home purchase and refinances loans.
  • Founded in 2005, with headquarters in Columbia, Missouri
  • Last year, it funded approximately $3.75 billion in home loans, making it the state of Missouri’s top retail home purchase lender.
  • Approximately two-thirds of total business comes from the home state.
  • It has very active branches in Illinois, Kansas, and Oklahoma.
  • They currently have a license in 30 states across the country.

Their claim to fame is that they are the number one home purchase lender in Missouri and a significant USDA loan lender.

Read: P.H.H. Mortgage Review 2023: Interest Rates & Plans

How to Apply for a Home Mortgage Loan at a Flat Branch

To get started, you can visit a local office or their website if you live in the Midwest. At last count, they had 58 physical locations in a few Midwestern states.

Start by browsing their online loan officer directory, reading bios, and finding someone to work with. Once you’ve narrowed down your loan officer search, click “Apply,” and you’ll see the option of continuing to the digital application or having them contact you.

Before filling out the application, have them contact you first so you can discuss loan pricing and eligibility.

You can fill out the app on a computer or your smartphone by downloading the app. Applicants can securely scan and upload documents, eSign disclosures, and message their loan officer with questions.

You’ll also receive updates along the way to know where you stand. And you will get notifications whenever they request a new document from you.

Simply put, Flat Branch Home Loans provides a good balance of cutting-edge technology and a personal touch.

Read this article: Trustmark Mortgage Review 2023: Interest Rates & Plans.

What are the Loan Programs from Flat Branch Mortgage?

  • Home finance mortgage loans
  • Rate and term refinance loans, cash out, and streamline
  • FHA financing
  • USDA financing
  • Loans from the VA
  • HomeReady and HomePossible (3% down payment)
  • Grants and down payment assistance programs
  • MHDC financing

Flat Branch Home Loans specializes in home purchase financing and offers a variety of programs to assist in obtaining a mortgage. Suppose you’re an EMT, firefighter, police officer, teacher, or military member. In that case, you can take advantage of their “Community Champions Program,” which includes up to $900 in lender credits and a waived appraisal fee.

They also originate Missouri Housing Development Commission (MHDC) loans that include down payment assistance in the form of a forgivable second mortgage. As previously stated, they are a primary USDA loan lender, so they should be a good fit if you’re looking to buy a rural home.

The USDA program has its quirks, so working with an experienced lender who understands navigating it would help you immensely. Aside from that, they provide all primary services such as conforming loans, FHA loans, VA loans, and even bridge loans to assist you in buying before you sell.

It’s still being determined whether they offer jumbo or adjustable-rate mortgages, but they offer fixed-rate mortgages in various loan terms.

You would enjoy reading: Ruoff Home Mortgage Review 2023: Interest Rates & Plans.

What are Flat Branch Mortgage Rates?

We know they specialize in home purchase loans, but we need to learn more about their pricing.

To our knowledge, they do not publish their mortgage rates or lender fees on their website. As a result, you’ll need to speak with a live person to get a quote.

Once you have a mortgage rate quote, compare it to other banks, lenders, and mortgage brokers to see where they stand. Take note of any lender fees and discount points needed for the quoted rate to ensure you compare apples to apples.

Our only pricing information comes from their Zillow reviews, where many customers indicated a lower rate and closing costs than expected.

Since you are interested in mortgages, you should read Huntington Mortgage Review 2023: Interest Rates & Plans.

Reviews of Flat Branch Home Loans

Flat Branch Home Loans has a stellar 4.96-star rating out of a possible five stars from approximately 900 customer reviews on Zillow.

Many reviews emphasize their hands-on service and quick closings, which are especially important for home buyers.

They also have a 4.9-star rating from about 160 Google reviews, a 4.7-star rating from nearly 200 Facebook reviews, and a 4.9 rating from 40 LendingTree reviews.

While they are not an accredited company, they do have an ‘A+’ rating with the Better Business Bureau based on a history of customer complaints.

In summary, Flat Branch Home Loans is a home loan lender. They take pride in their extensive mortgage knowledge and experience, which are essential factors to consider when purchasing a home.

Finally, they could be a good option if you want a reliable lender who will close your loan on time.

Their extensive loan program offering, which includes proprietary offerings and low or no down payment options, is also a big plus. Pay attention to pricing to ensure you get quality service at a reasonable price.

Check out this article: GMFS Mortgage Review 2023: Interest Rates & Plans.

What are the Pros and Cons of Flat Branch Home Loans?


  • You can apply for a home loan online or on your smartphone.
  • They provide a largely paperless, digital mortgage experience.
  • Many Midwestern states have physical branches.
  • There is a good selection of loan programs to choose from (especially for home buyers)
  • Excellent customer feedback across multiple rating websites A+ BBB rating
  • App for smartphones that is free
  • Online mortgage calculators and home buyer guides are available for free.
  • They continue to service their loans after they close.


  • They do not publish their mortgage rates or lender fees on the internet.
  • Only available in some states.

Where can I find Flat Branch Home Loans?

Flat Branch Home Loans is located at 101 South 5th Street in Columbia, Missouri.

It would help if you also read: Sun West Mortgage Review 2023: Interest Rates & Plans.

How are Flat Branch Home Loans Rated?

Flat Branch Home Loans has a rating of 2.5 stars based on ten reviews.

Are there any Flat Branch Mortgage Tools and Resources?

Flat Branch offers a variety of fixed and adjustable-rate VA loans for home purchases, remodeling, and refinancing. Flat Branch Home Loan also provides jumbo loans, refinance, and cash-in or cash-out refinance options for single-family home construction or renovation.

It would help if you had a minimum credit score of 600 to qualify.

You need to read: Rocket Mortgage Fieldhouse Review 2023: What you need to know.

What is Flat Branch Mortgage Loan Contact Information?


  • 101 S Fifth Street, Suite 200
  • Columbia, MO 65201

Call the office

  • (866) 508-4326


Frequently Asked Questions

Is it better to pay down the mortgage or invest?

It’s usually a good idea to pay down your mortgage as much as possible at the start of the loan to avoid paying more interest later. If you’re nearing the end of your mortgage term, putting your money into retirement accounts or other investments may be more beneficial.

What should you do once you pay off your mortgage?

You don’t have to send the mortgage company any more money now that you’ve paid it off. Your mortgage company should notify your county clerk’s office that your home is no longer mortgaged by sending all required documents.

Is it wise to pay off your mortgage early?

Early mortgage repayment can save you a lot of money in the long run. Even a small additional monthly payment can help you own your home sooner. Before you put money toward your loan, make sure you have an emergency fund.

Is 35 too old to qualify for a mortgage?

You are never too young to apply for a mortgage; however, the type of mortgage available to you and the terms and repayment options will vary depending on your age and your personal and financial circumstances.

Can I get a 25-year mortgage at the age of 47?

Borrowers over 45, for example, may find it challenging to obtain a 25-year mortgage because they will be at least 70 before paying off the loan. Due to age limits, new affordability rules, and rising house prices, older borrowers may need help to borrow as much as they would like.


Flat Branch Mortgage has been providing financing products to its clients for purchasing, remodeling, and refinancing their homes since 2005. This mortgage company is headquartered in Missouri and has over 40 locations to serve customers in 17 states.

Flat Branch is a licensed mortgage banker with in-house underwriting, allowing them to provide excellent customer service to clients throughout the loan process.



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