Mortgage Lenders and Brokers in Breckenridge, Missouri
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Breckenridge, Missouri mortgage lenders include The Hamilton BankThe Hamilton Bank190 S 7th St, Breckenridge, MO 64625B3.5 ★Texas Ratio: 3.70%, BTC BankBTC Bank101 E Us Highway 136, Albany, MO 64402A5.0 ★Texas Ratio: 6.76%, Bank NorthwestBank Northwest3309 Miller St, Bethany, MO 64424A+5.0 ★Texas Ratio: 1.34%, Farmers State BankFarmers State Bank416 N Walnut St, Cameron, MO 64429, Arvest BankArvest Bank607 Highway 71 North, Anderson, MO 64831A5.0 ★Texas Ratio: 7.48%, Flat Branch Mortgage, Inc.Flat Branch Mortgage, Inc.803 Wollard Blvd, Richmond, MO 64085A+5.0 ★Texas Ratio: 0.00%, Pony Express BankPony Express Bank213 N Main St, Braymer, MO 64624A+5.0 ★Texas Ratio: 1.27%, Union State Bank of EverestUnion State Bank of Everest321 S Us Highway 169, Gower, MO 64454A5.0 ★Texas Ratio: 7.97%, First State Bank of St CharlesFirst State Bank of St CharlesSt Charles, MO, and Mortgage Research CenterMortgage Research CenterColumbia, MO. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Breckenridge, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Breckenridge are listed first, then lenders elsewhere in Missouri, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Breckenridge, Missouri
Market share is the lender's share of all home loans closed in Breckenridge, Missouri. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Breckenridge 190 S 7th St, Breckenridge, MO 64625 B3.5 ★Texas Ratio: 3.70% |
Conventional | 3 | 6.2% | 100% | $91,666 | View |
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101 E Us Highway 136, Albany, MO 64402 A5.0 ★Texas Ratio: 6.76% |
Conventional | 6 | 12.5% | 87.5% | $253,333 | View |
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3309 Miller St, Bethany, MO 64424 A+5.0 ★Texas Ratio: 1.34% |
Conventional | 5 | 10.4% | 100% | $223,000 | View |
Farmers State Bank
416 N Walnut St, Cameron, MO 64429 |
Conventional | 2 | 4.2% | 100% | $530,000 | |
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607 Highway 71 North, Anderson, MO 64831 A5.0 ★Texas Ratio: 7.48% |
Conventional | 2 | 4.2% | 100% | $290,000 | View |
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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
USDA | 1 | 2.1% | 100% | $125,000 | View |
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213 N Main St, Braymer, MO 64624 A+5.0 ★Texas Ratio: 1.27% |
Conventional | 1 | 2.1% | 100% | $15,000 | View |
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321 S Us Highway 169, Gower, MO 64454 A5.0 ★Texas Ratio: 7.97% |
Conventional | 1 | 2.1% | 100% | $415,000 | View |
First State Bank of St Charles
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Conventional | 1 | 2.1% | 100% | $345,000 | |
Mortgage Research Center
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VA | 1 | 2.1% | 50% | $555,000 | |
Gershman Investment Corp.
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FHA | 1 | 2.1% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional, FHA, VA | 6 | 12.5% | 85.7% | $116,666 | View |
Guild Mortgage Company
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Conventional, FHA | 6 | 12.5% | 100% | $100,000 | |
United Wholesale Mortgage
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Conventional, VA | 3 | 6.2% | 75% | $298,333 | |
Primelending
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Conventional, FHA | 2 | 4.2% | 100% | $60,000 | |
Leaderone Financial Corp.
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FHA, USDA | 2 | 4.2% | 100% | $145,000 | |
Newrez LLC
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VA | 1 | 2.1% | 100% | $315,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 2.1% | 100% | $125,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 2.1% | 50% | $35,000 | |
Community Banc Mortgage Corp
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Conventional | 1 | 2.1% | 100% | $235,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 2.1% | 100% | $155,000 |
Breckenridge Mortgage Rate Trends
Daily average mortgage rates for Missouri compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Breckenridge, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in Breckenridge? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Breckenridge in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Breckenridge, MO
Use these to narrow the list above. Each category shows how many Breckenridge, MO lenders fit and what that kind of lender is usually best for.
Who Lends in Breckenridge, MO
Independent mortgage companies closed 50 percent of home loans in Breckenridge, Missouri in 2025, banks 50 percent and credit unions 0 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, The Hamilton Bank the largest bank. Among lenders headquartered in Missouri, The Hamilton Bank led with 3 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Missouri. None; Missouri has no real estate transfer tax or mortgage recording tax, only recording fees.
More Missouri Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Breckenridge, MO
By home loans closed in 2025, The Hamilton Bank was the largest mortgage lender in Breckenridge, Missouri with 3 loans, about 6.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Breckenridge, Missouri in 2025, led by Guild Mortgage Company with 3. 4 lenders closed VA loans, led by Rocket Mortgage, and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 10 banks and 0 credit unions closed home loans in Breckenridge, Missouri in 2025, alongside 11 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Breckenridge, Missouri during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Breckenridge, Missouri for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Breckenridge. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
