Flat Branch Home Loans operates as a division of Flat Branch, with its NMLS 224149

At Flat Branch Home Loans, we know home is more than just a place. Since 2005, we've been helping families all across the Midwest achieve homeownership. As an ESOP, or employee-owned company, with over 90 branches and licensed in 38 states, we are proud to be the #2 USDA lender in the country. We lead with honesty, kindness, and a true commitment to our borrowers, whether we are guiding a first-time buyer or supporting a seasoned homeowner. Serving the communities we live and work in is a core part of our mission. The Giving Branch, a non-profit organization for philanthropic giving, is 100% funded by the employees of Flat Branch Home Loans. The Giving Branch has given more than 5 million dollars back to the local communities. Together with our partner entities Flat Branch Insurance Services, Flat Branch Mortgage Services, Flat Branch Bank, and The Giving Branch, we offer a full network of care and support. At Flat Branch, we're more than a mortgage lender; we are your fellow community members, friends and neighbors.