Columbia, Mo. (April 22, 2025) - Flat Branch Home Loans, a full-service, employee-owned mortgage company founded in 2005, achieved #1 Mortgage Lender status in Missouri, #1 USDA Lender for Missouri, Kansas, Illinois, and Oklahoma, and the #1 FHA Lender in the state of Missouri for 2024 based on a data analysis of the 2024 Home Mortgage Disclosure Act (HMDA) data provided by Richey May.

The recognition comes during a milestone year for the company, as Flat Branch celebrates its 20th anniversary of serving homebuyers across the Midwest and beyond.

“We’re incredibly proud to be recognized in the communities we serve,” said Karen Kreutziger Powell, CEO of Flat Branch Home Loans. “These rankings reflect our commitment to making homeownership more accessible for families across the Midwest. Whether it’s through affordable loan options or the work we do through our employee-funded nonprofit, The Giving Branch, we’re focused on supporting the people and places that make our communities strong.”

The HMDA requires financial institutions to report loan level information, which is collected and released by the Consumer Financial Protection Bureau (CFPB) each year. Flat Branch Home Loans is #1 in Missouri with a volume of $1.5 billion and 6,800 units.

The United States Department of Agriculture (USDA) loan program offers a low-down payment option for homebuyers in rural and suburban areas. Flat Branch Home Loans has proudly held the title of #1 USDA lender in Missouri for five consecutive years and was named the second-largest USDA lender in the nation last year. Similarly, Federal Housing Administration (FHA) loans provide another accessible low-down payment solution, and Flat Branch is currently the #1 FHA lender in Missouri. This recognition comes as Flat Branch continues to grow as an employee-owned company, having made the transition in 2021. With a wide range of flexible loan options, Flat Branch is committed to helping more homebuyers achieve their dreams of homeownership.

“The USDA loan program is an incredible tool for expanding access to affordable homeownership, and we’re proud to make it available to the communities we serve,” said Jamie Pandolfo, President of Flat Branch Home Loans. “Our sales and operations teams play a huge part in our ability to provide this program to our borrowers. We wouldn’t be here without them.”

About Flat Branch Home Loans

Established in 2005 in Columbia, Missouri, Flat Branch Home Loans specializes in providing mortgage products to borrowers across the United States. In recent years, Flat Branch Home Loans has seen substantial growth, earning No. 1 rankings in several regions and positioning itself for continued expansion.

Connect with Flat Branch Home Loans at www.flatbranchhomeloans.com or on LinkedIn, Facebook and Instagram.

Flat Branch Home Loans Named #1 USDA Lender in MO, KS, IL, and OK for 2024