Flora Bank & Trust offers a variety of loan options—residential, consumer and commercial. Our online loan calculators can help when planning your next loan.


Looking for a new vehicle or looking to make another large purchase?



Our consumer loan options

Apply Online For a Home Loan

Home Mortgage

Buy a new home or refinance the one you own

Easy Online Application

  • Simple
  • Fast
  • Secure

Apply Today

Farm & Commercial

Help your farm or business expand

  • Farmland
  • Commercial Real Estate

Farm & Commercial loan info

Receive a Loan Application By Mail

Loan Calculators

Use our loan calculators to determine what your monthly payments will be and what size loan you should apply for.

Contact a Loan Officer

Our friendly loan officers have the knowledge and experience needed to guide you through the loan application process and answer any questions you might have.

Flora Bank & Trust
NMLS ID#: 405475
Juli Thompson
Juli Thompson
Loan Officer
Vice President
NMLS ID#: 592447
Christal Fox
Christal Fox
Vice President
NMLS ID#: 869170
Michael Gill
Michael Gill
Loan Associate
NMLS ID#: 852116
Dan Graham
Dan Graham
NMLS ID#: 478507

What is a NMLS number?

The Nationwide Mortgage Licensing System & Registry is a system that was designed to keep track of Mortgage Loan Originators (MLOs) and their Origination Companies. It allows consumers to gain information about the Loan Officers and Lending Institutions that they choose to work with. Each MLO is licensed with the NMLS and is assigned a unique identifier know as a NMLS ID#.

You may access the following NMLS Consumer website and look up any of the NMLS ID#s listed above.

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