Sarah Craig, CPA

Flat Branch is a Midwest-based, employee-owned mortgage lender specializing in retail originations while actively expanding its correspondent and wholesale channels. The company services its loans in-house, providing a fully integrated lending experience. Sarah, who joined Flat Branch in 2013, brings over 20 years of experience in finance and accounting—including 14 years in the mortgage industry—and plays a pivotal role as CFO. A licensed CPA and 2024 HousingWire Finance Leader, she oversees Accounting, Financial Planning & Analysis, Treasury, Payroll, ESOP Administration, Servicing, Corporate Taxation, and more. Known for driving strategic financial initiatives, enhancing operational efficiency, and building scalable systems and controls, Sarah fosters a culture that is both focused and fun. Her leadership is instrumental in aligning financial performance with the company’s long-term goals, particularly within the unique framework of its ESOP-owned, in-house servicing model.