Flat Branch Home Loans
How we got $8.2M
Based on typical figures for its industry (2022 Economic Census), not its own records.
What we know
Signs of a sale Unlikely to sell soon
- In business 17 years (since 2009)
From public records and the company's website, not a statement that it's for sale.
What they do
Flat Branch Home Loans is a mortgage lender; the team page for mortgage banker Ali Herman describes it as locally trusted and nationally recognized, with a family environment.
From the company's website. Industry: Finance and insurance.
Compared with similar businesses nearby
| Business | Est. revenue | Distance |
|---|---|---|
| Flat Branch Home Loans this business | $5.3M | — |
| Arvest Bank Okmulgee | $1.9M | 0.1 mi |
| Anchor Financial Services of Okmulgee LLC Okmulgee | $1.1M | 0.1 mi |
| HAYS INSURANCE AGENCY, LLC Okmulgee · 2 employees | $315K | 0.2 mi |
| Western Union Okmulgee | $1.1M | 0.2 mi |
| Edward Jones Okmulgee | $1.1M | 0.2 mi |
| First Family Federal Credit Union Okmulgee | $1.9M | 0.2 mi |
The full calculation
Figures are shown toward the upper part of their range rather than at its middle.
Brought up to date assuming revenue has grown 8% a year since 2020, when the PPP figures were reported; included above.
| Estimated value = EBITDA × typical sale multiple | $8.2M |
| Multiple for this size and industry | 4.5× |
| Value range | $2.7M – $13.3M |
This business has no PPP loan on record, so there is no business-specific data. The figures are the typical estimated revenue of Finance and insurance businesses in our Oklahoma data: the middle value, with the range covering the middle half of those businesses. EBITDA applies the industry margin (34%). Treat these as a rough guide.
| Revenue range | $2.2M – $7.2M |
| EBITDA range | $753K – $2.5M |
| Industry (NAICS) | Finance and insurance (52) |
EBITDA margin: from IRS tax returns of S corporations in this industry (2019–2022), adjusted for company size: smaller companies typically run higher margins. EBITDA here is after owners' salaries.
Benchmarks: US Economic Census 2022, OK. These are statistical estimates, not reported financials. Listing details come from Overture Maps open data. Full methodology
People & advisors
Leadership
- KKKaren Kreutziger-PowellChief Executive Officer · Company website · source
- GFGina FitzmauricePresident of Growth & Development · Company website · source
- EHEmily HarveyChief Human Resources Officer · Company website · source
- SCSarah CraigChief Financial Officer · Company website · source
- AHAmy HessVice President of Sales · Company website · source
- TNTaylor NedrowVice President of Sales · Company website · source
- MEMichael EckleyChief Technology Officer · Company website · source
- MBMatt BrandDirector of Capital Markets · Company website · source
- MSMelissa SchnedlerVice President of Operations · Company website · source
- ESElena SteinmetzVice President of Marketing · Company website · source
- KEKristi EstradaChief Legal & Compliance Officer · Company website · source
From the company's own website and public filings (DOL Form 5500, IRS Form 990, SBA). Roles are as stated there and may be out of date.
5 locations
| 115 N Morton Ave Ste 1 | Okmulgee | This listing |
| 12150 E 96th St N Ste 100 | Owasso | View |
| 501A N 14th St | Ponca City | View |
| 2121 S Columbia Ave Ste 104 | Tulsa | View |
| 7506 E 91st St | Tulsa | View |
Revenue, profit and value are for the whole company.
Public records
Matched to this business by name and address from public government data; a match can occasionally be wrong.
About Flat Branch Home Loans
Flat Branch Home Loans is a finance and insurance company in Okmulgee, Oklahoma, in business since 2009. It is owned by Jamie Pandolfo (President). Its estimated annual revenue is about $5.3M, with roughly $1.8M of EBITDA. Its estimated business value is $8.2M (likely range $2.7M–$13.3M). It has 5 locations.
Common questions
- Who owns Flat Branch Home Loans?
- Flat Branch Home Loans is owned by Jamie Pandolfo (President), according to public sources such as the company's website or filings.
- How much revenue does Flat Branch Home Loans make?
- SeeBITDA estimates Flat Branch Home Loans's annual revenue at about $5.3M (likely between $2.2M and $7.2M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is Flat Branch Home Loans worth?
- About $8.2M, roughly 4.5× its estimated EBITDA of $1.8M, typical for a finance and insurance company its size. Likely range: $2.7M–$13.3M.
- When was Flat Branch Home Loans founded?
- Flat Branch Home Loans has been in business since 2009.