Tonya Flatt Photo

Tonya Flatt

Senior Vice President


  • Chairman's Club
    2012, 2013, 2016, 2017, 2019, 2020
Tonya Flatt has been assisting and guiding customers to accomplish their mortgage goals for over 10 years. It is her compassion, expertise and continued professionalism that has made her so successful throughout her career in the mortgage industry. She truly cares and believes each person deserves the best customer service experience when it comes to making one of the most important decision in life - to refinance or purchase a property.

Tonya grew up in Minnesota playing both softball and basketball, which led her to both academic and athletic college scholarships. Upon her completion of a Bachelors Degree in Business Management, Tonya chose to pursue a profession in mortgages that would allow her to extend her knowledge in helping meet the needs of customers. Tonya worked for one of the worlds largest financial institutions for the past 10 years and has now made her home at The Federal Savings Bank. She is one of the nations premier experts in VA Lending and Home Purchases.

Not only devoting her time to mortgages, Tonya also finds time to assist with the developmental handicapped children through respite care. She enjoys spending time with her 13 year old son and is actively involved with his football and basketball club activities. Tonya competes in cross-fit training and has resided in Arizona for the past 15 years.


Hello Ms. Flatt,

I want to take this moment to THANK YOU for your help in getting my loan approved and funded. I know it was difficult at times, and without your help it would not have happened. I have dealt with mortgage companies in the past and never have I experienced the PROFESSIONALISM exhibited by you. It was truly a pleasure to have you as the mortgage agent. If I have the opportunity, I will not hesitate to refer a client to you. Thank you again


- Edward and Ruby A.
I'm a retired Real Estate Broker and a disabled Veteran so I have had the opportunity to experience the loan process many times in my career.

This note is to relay the wonderful sentiments that I have for Tonya. In comparison, Tonya and your company is "hands down" the best, easiest, fastest and most professional entity that I have ever experienced. Tonya never failed to answer my question(s) in a timely manner and usually within minutes of my email or phone call. I never once felt abandoned or put on the back burner. She always made us fell like VIPs.

Being a disabled Veteran, it's very important to have these opportunities to help make our lives a little easier. It's not uncommon to get in a quagmire dealing with government rules and regulations. Tonya cut right through to the chase and got us the money, interest rate and terms that we wanted. I have also referred my son to her for a refinance and intend to send more her way if possible.

By the end of the process, I was almost sadden that we might not be visiting with Tonya. If at all possible, Mr. Katz, please do not lose this wonderful asset. Connie and I cherish getting to meet Tonya and working with her.

- Gerald and Connie F.
Thanks again for everything Tonya! I just want to let you know that I appreciate you for keeping your word to me and never making me feel bad for not being 100% ready when we first talked. There are not a lot of lenders like you and I am sending EVERYONE I know to you.

- Helena G.
I started the refinancing of our property in March 2013 with a gentleman by the name of Byran Sam. After dealing with Mr. Sam for about 5 months I became very discourage with the lack of his professionalism and his constant inconsistency and lack of truthfulness related to my application--it was an excuse after excuse with Bryan--never feeling comfortable with his comportment.

In July, I was notified by your office that my new loan officer was Tonya Flatt--I was so disappointed and felt a profound sense of apprehension nevertheless, proceeded forward with the refinance process--what a blessing in disguise. Tonya was and has been a 'breath of fresh air." She has been the consummate professional, a delighted to work with and her integrity has above the standard. Ms. Tonya Flatt is incredible professional, knowledgeable and her communication skills "par-excellence". It has been a pleasure working with her and on October 30 we closed on our refinance--what a pleasure she has been. As a retired CEO--she would be on my leadership team anytime.

I want to thank you for choosing her to work with me and have nothing but fond memories--I am extremely satisfied customer of The Federal Savings Bank thanks to Tonya and your office.

Thank you and blessings

- Reverend Laboy