Fifteen years of serving homeowners in America.
Patriot Home Mortgage opened with five people in one St. George office. Today it lends in 28 states from twelve offices, and the founders still run the company. Scroll to travel the years.
One office. Five people. One promise.
Make the pursuit of homeownership as easy and stress-free as possible. Fifteen years later it is still the whole job.
Russ Brown opens Patriot Home Mortgage with five employees
St. George, Utah. Russ was the only loan originator and put more than $100,000 of his own money into launching it. By October the company was funding loans every week.
Licensed in three states by year end
Four more states and an eightfold jump in volume
Moves into a 13,000-square-foot office to make room for the team
Nearly 1,500 families financed in a single year
St. George Chamber of Commerce names Russ Brown Entrepreneur of the Year
A hard year for the industry becomes a more durable business
As rates rose and refinance volume dried up nationwide, Patriot diversified into steadier channels rather than chasing volume, and became preferred lender to Ence Homes, southern Utah's largest builder.
Growth returns on the new footing
Chet Wall becomes an owner alongside Russ Brown
Chet brought fourteen years in mortgage lending, including building Flagship Financial Partners from 50 loans a month to 1,300 at its peak, and a long-running focus on technology for loan originators.
Two divisions, two ways to serve
Local Market Division, led by Russ — realtors, builders and professionals across the Mountain West. National Sales Division, led by Chet — VA lending for veterans nationwide, plus reverse mortgages.
Loan options widen as rates climb
After the Federal Reserve's 2018 rate increases, Patriot broadened its product mix so borrowers had more than one path to a home.
An operations team built to handle almost any loan scenario
Licensed in 28 states
Russ and Chet turn their full attention to the digital mortgage experience: faster answers, fewer forms, and a process a borrower can follow from a phone.
Twelve offices from Hawaii to Key West
St. George remains headquarters. Las Vegas, Idaho Falls, Glendale, Plano, Omaha, Lahaina, Tampa, St. Petersburg, Miami, Fort Myers and Key West carry the same promise: make the pursuit of homeownership as easy and stress-free as possible.
Patriot Capital brings portfolio lending in-house
Loans underwritten to the file rather than the guideline, for borrowers the agency box leaves out.
Fifteen years, by the numbers
From the people who started it
Russ Brown
Chet Wall
Fifteen years of serving homeowners in America.
Founded on one idea
Russ Brown opened Patriot Home Mortgage in St. George, Utah in May 2011 with five employees and a simple promise: make the pursuit of homeownership as easy and stress-free as possible, and treat every borrower as a trusted advisor would — with honesty, efficiency, kindness and professional mastery. By the end of the first year the company had closed 96 loans and was licensed in Utah, Colorado and Idaho.
Grown with the market, not against it
Volume climbed to nearly 1,500 loans in 2013, and Russ was named the St. George Chamber's Entrepreneur of the Year. When the market turned in 2014, Patriot chose durability over volume — diversifying into steadier channels and becoming preferred lender to Ence Homes, southern Utah's largest builder. In 2016 Chet Wall joined as an owner, and the company organized into a Local Market Division serving realtors and builders across the Mountain West and a National Sales Division serving veterans nationwide.
Every state, every kind of loan
From three states in 2011 to 28 today, with twelve offices from Hawaii to Key West. Along the way the loan menu grew to match: conventional, FHA, VA, USDA, jumbo, construction and reverse mortgages, and through Patriot Capital, portfolio loans underwritten to the file rather than the guideline. Fifteen years on, the founders still run the company.