Mortgage Lenders and Brokers in California, 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
California, Missouri mortgage lenders include The Central Trust BankThe Central Trust Bank329 S Oak St, California, MO 65018A+5.0 ★Texas Ratio: 3.12%, Peoples Bank of Moniteau CountyPeoples Bank of Moniteau County201 E Main St, California, MO 65018A+5.0 ★Texas Ratio: 4.29%, Commerce BankCommerce Bank209 E Main St, California, MO 65018A+5.0 ★Texas Ratio: 0.89%, Hawthorn BankHawthorn Bank910 W Buchanan St, California, MO 65018A+5.0 ★Texas Ratio: 3.36%, Flat Branch Mortgage, Inc.Flat Branch Mortgage, Inc.803 Wollard Blvd, Richmond, MO 64085A+5.0 ★Texas Ratio: 0.00%, Multipli Federal Credit UnionMultipli Federal Credit Union400 E Broadway, Ashland, MO 65010, Community Point BankCommunity Point Bank14112 Redfield Dr, Eugene, MO 65032A+5.0 ★Texas Ratio: 0.72%, United Community BankUnited Community Bank123 W Lafayette St, Palmyra, MO 63461A+5.0 ★Texas Ratio: 2.53%, Mid America BankMid America Bank804 Highway 28 W, Belle, MO 65013A+5.0 ★Texas Ratio: 5.45%, and US Bank, N.A.US Bank, N.A.1543 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 2.85%. 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 California, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in California 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 California, Missouri
Market share is the lender's share of all home loans closed in California, 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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2 offices in California 329 S Oak St, California, MO 65018 A+5.0 ★Texas Ratio: 3.12% |
Conventional, FHA, USDA, HELOC | 20 +21 HELOCs |
10.9% | 87% | $201,500 | View |
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1 office in California 201 E Main St, California, MO 65018 A+5.0 ★Texas Ratio: 4.29% |
Conventional | 13 | 7.1% | 100% | $155,769 | View |
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1 office in California 209 E Main St, California, MO 65018 A+5.0 ★Texas Ratio: 0.89% |
Conventional, HELOC | 3 +2 HELOCs |
1.6% | 50% | $315,000 | View |
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1 office in California 910 W Buchanan St, California, MO 65018 A+5.0 ★Texas Ratio: 3.36% |
Conventional, HELOC | 1 +4 HELOCs |
0.5% | 100% | $155,000 | View |
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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA, USDA | 33 | 17.9% | 100% | $235,303 | View |
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400 E Broadway, Ashland, MO 65010 |
Conventional | 23 | 12.5% | 92% | $163,260 | View |
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14112 Redfield Dr, Eugene, MO 65032 A+5.0 ★Texas Ratio: 0.72% |
Conventional | 10 | 5.4% | 100% | $300,000 | View |
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123 W Lafayette St, Palmyra, MO 63461 A+5.0 ★Texas Ratio: 2.53% |
Conventional, USDA | 3 | 1.6% | 75% | $261,666 | View |
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804 Highway 28 W, Belle, MO 65013 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 2 | 1.1% | 66.7% | $260,000 | View |
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1543 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.85% |
FHA | 1 | 0.5% | 100% | $145,000 | View |
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310 N Ruth St, Advance, MO 63730 A5.0 ★Texas Ratio: 6.11% |
Conventional | 1 | 0.5% | 100% | $75,000 | View |
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501 N Broadway, Saint Louis, MO 63102 A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.5% | 100% | $105,000 | View |
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700 N Franklin St, Cuba, MO 65453 A-4.9 ★Texas Ratio: 16.43% |
Conventional | 1 | 0.5% | 100% | $395,000 | View |
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101 W Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 5.92% |
Conventional | 1 | 0.5% | 100% | $425,000 | View |
The Tipton Latham Bank, NA
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Conventional | 4 | 2.2% | 80% | $265,000 | |
Mortgage Research Center
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VA | 4 | 2.2% | 100% | $230,000 | |
Community Mortgage, LLC
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VA | 1 | 0.5% | 100% | $245,000 | |
Das Acquisition Company, LLC
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FHA | 1 | 0.5% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 0.67% |
Conventional | 1 | 0.5% | 100% | $355,000 | View |
Mortgage Solutions, LLC
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Conventional | 1 | 0.5% | 100% | $95,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 13 | 7.1% | 86.7% | $276,538 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional, FHA | 13 | 7.1% | 100% | $186,538 | View |
American Financial Resources LLC
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Conventional, USDA | 7 | 3.8% | 100% | $223,571 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.6% | 100% | $201,666 | |
Midwest Mortgage Associates Corp
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Conventional, FHA | 3 | 1.6% | 100% | $171,666 | |
Everett Financial, Inc.
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FHA | 2 | 1.1% | 100% | $180,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 2 | 1.1% | 60% | $220,000 | |
CrossCountry Mortgage, LLC
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VA | 2 | 1.1% | 100% | $335,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 1.1% | 100% | $95,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 1.1% | 50% | $80,000 | |
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A-4.9 ★Texas Ratio: 16.23% |
Conventional, USDA | 2 | 1.1% | 100% | $335,000 | View |
Pennymac Loan Services LLC
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Conventional | 1 | 0.5% | 50% | $145,000 | |
ResMac Inc
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USDA | 1 | 0.5% | 100% | $185,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.5% | 100% | $105,000 | |
New Day Financial, LLC.
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VA | 1 | 0.5% | 50% | $135,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 100% | $355,000 | View |
Geneva Financial LLC
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USDA | 1 | 0.5% | 100% | $175,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 100% | $75,000 | |
New American Funding, LLC.
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VA | 1 | 0.5% | 50% | $355,000 | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
California 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 California, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in California? The list below shows the banks, credit unions and mortgage brokers that closed home loans in California in 2025, with lenders based there listed first.
Types of Mortgage Lenders in California, MO
Use these to narrow the list above. Each category shows how many California, MO lenders fit and what that kind of lender is usually best for.
Who Lends in California, MO
Independent mortgage companies closed 52.7 percent of home loans in California, Missouri in 2025, banks 33.7 percent and credit unions 13.6 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, The Central Trust Bank the largest bank and Multipli Federal Credit Union the largest credit union. Among lenders headquartered in Missouri, The Central Trust Bank led with 20 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 California, MO
By home loans closed in 2025, The Central Trust Bank was the largest mortgage lender in California, Missouri with 20 loans, about 10.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in California, Missouri in 2025, led by Flat Branch Mortgage, Inc. with 6. 10 lenders closed VA loans, led by Flat Branch Mortgage, Inc., and 7 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. 14 banks and 3 credit unions closed home loans in California, Missouri in 2025, alongside 23 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 California, 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 California, 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 California. 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.
