Mortgage Lenders and Brokers in Cape Girardeau, 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
Cape Girardeau, Missouri mortgage lenders include The Bank of MissouriThe Bank of Missouri3427 William St, Cape Girardeau, MO 63701A5.0 ★Texas Ratio: 9.58%, First State Community BankFirst State Community Bank1602 N Kingshighway St, Cape Girardeau, MO 63701A5.0 ★Texas Ratio: 6.95%, Alliance BankAlliance Bank217 N Kingshighway St, Cape Girardeau, MO 63701A+5.0 ★Texas Ratio: 1.54%, Wood & Huston BankWood & Huston Bank111 S Broadview St, Cape Girardeau, MO 63703A+5.0 ★Texas Ratio: 1.77%, US Bank, N.A.US Bank, N.A.975 Normal Ave, Cape Girardeau, MO 63701A+5.0 ★Texas Ratio: 2.85%, First Midwest Bank of DexterFirst Midwest Bank of Dexter1820 N Kingshighway St, Cape Girardeau, MO 63701A5.0 ★Texas Ratio: 6.37%, Regions BankRegions Bank407 N Kingshighway St, Cape Girardeau, MO 63701A+5.0 ★Texas Ratio: 4.37%, MRV BanksMRV Banks1505 N Mount Auburn Rd, Cape Girardeau, MO 63701F1.6 ★Texas Ratio: 56.27%, Montgomery BankMontgomery Bank2027 Broadway St, Cape Girardeau, MO 63701A+5.0 ★Texas Ratio: 3.43%, and Banterra BankBanterra Bank1650 N Kingshighway St, Cape Girardeau, MO 63701A4.7 ★Texas Ratio: 4.32%. 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 Cape Girardeau, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cape Girardeau 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 Cape Girardeau, Missouri
Market share is the lender's share of all home loans closed in Cape Girardeau, 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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3 offices in Cape Girardeau 3427 William St, Cape Girardeau, MO 63701 A5.0 ★Texas Ratio: 9.58% |
Conventional | 43 | 5.9% | 77.2% | $235,930 | View |
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2 offices in Cape Girardeau 1602 N Kingshighway St, Cape Girardeau, MO 63701 A5.0 ★Texas Ratio: 6.95% |
Conventional, FHA, USDA, HELOC | 33 +19 HELOCs |
4.5% | 87.2% | $245,909 | View |
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217 N Kingshighway St, Cape Girardeau, MO 63701 A+5.0 ★Texas Ratio: 1.54% |
Conventional | 33 | 4.5% | 97.1% | $183,787 | View |
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★ 5 stars, 1 review 1 office in Cape Girardeau 111 S Broadview St, Cape Girardeau, MO 63703 A+5.0 ★Texas Ratio: 1.77% |
Conventional | 32 | 4.4% | 100% | $195,625 | View |
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2 offices in Cape Girardeau 975 Normal Ave, Cape Girardeau, MO 63701 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 31 +9 HELOCs |
4.2% | 88.6% | $210,806 | View |
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1 office in Cape Girardeau 1820 N Kingshighway St, Cape Girardeau, MO 63701 A5.0 ★Texas Ratio: 6.37% |
Conventional, USDA | 27 | 3.7% | 96.4% | $244,629 | View |
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1 office in Cape Girardeau 407 N Kingshighway St, Cape Girardeau, MO 63701 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 19 +7 HELOCs |
2.6% | 60.5% | $91,842 | View |
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2 offices in Cape Girardeau 1505 N Mount Auburn Rd, Cape Girardeau, MO 63701 F1.6 ★Texas Ratio: 56.27% |
Conventional, Jumbo | 17 | 2.3% | 100% | $257,352 | View |
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2 offices in Cape Girardeau 2027 Broadway St, Cape Girardeau, MO 63701 A+5.0 ★Texas Ratio: 3.43% |
Conventional, HELOC | 14 +31 HELOCs |
1.9% | 100% | $192,142 | View |
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1 office in Cape Girardeau 1650 N Kingshighway St, Cape Girardeau, MO 63701 A4.7 ★Texas Ratio: 4.32% |
Conventional | 13 | 1.8% | 82.6% | $251,153 | View |
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2 offices in Cape Girardeau 380 N Kingshighway St, Cape Girardeau, MO 63701 A5.0 ★Texas Ratio: 6.11% |
Conventional, HELOC | 9 +15 HELOCs |
1.2% | 90% | $233,888 | View |
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1 office in Cape Girardeau 1800 Cape Lacroix Rd, Cape Girardeau, MO 63701 A+5.0 ★Texas Ratio: 0.89% |
Conventional, FHA, HELOC | 4 +8 HELOCs |
0.5% | 44.4% | $162,500 | View |
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1 office in Cape Girardeau 17 S Mount Auburn Rd, Cape Girardeau, MO 63703 A+5.0 ★Texas Ratio: 2.17% |
Conventional | 3 | 0.4% | 100% | $255,000 | View |
First Missouri State Bank of Cape County
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Conventional, Jumbo | 37 | 5% | 100% | $326,351 | |
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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA | 20 | 2.7% | 95.2% | $257,500 | View |
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1301 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
0.4% | 75% | $568,333 | View |
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2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49% |
Conventional, FHA | 3 | 0.4% | 100% | $235,000 | View |
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90 Village Square Shop Ctr, Hazelwood, MO 63042 A5.0 ★Texas Ratio: 8.70% |
Conventional, Jumbo | 3 | 0.4% | 100% | $565,000 | View |
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1 N Jefferson Ave, Saint Louis, MO 63103 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.3% | 66.7% | $400,000 | View |
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323 Ward Ave, Caruthersville, MO 63830 A+5.0 ★Texas Ratio: 5.82% |
Conventional | 2 | 0.3% | 100% | $80,000 | View |
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1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 100% | $225,000 | View |
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1001 Cedar St, Bismarck, MO 63624 B-4.4 ★Texas Ratio: 22.75% |
Conventional | 1 | 0.1% | 100% | $725,000 | View |
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1535 N Campbell Ave, Springfield, MO 65803 B4.6 ★Texas Ratio: 19.27% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
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400 E Broadway, Ashland, MO 65010 |
Conventional | 1 | 0.1% | 100% | $115,000 | View |
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1540 State Highway 248, Branson, MO 65616 A+5.0 ★Texas Ratio: 5.33% |
Conventional | 1 | 0.1% | 100% | $325,000 | View |
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607 Highway 71 North, Anderson, MO 64831 A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.1% | 100% | $295,000 | View |
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55 Mill Hill Rd, Bloomsdale, MO 63627 A+5.0 ★Texas Ratio: 2.65% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
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200 E 2nd St, Annapolis, MO 63620 A+5.0 ★Texas Ratio: 4.76% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
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208 N Main St, Blackburn, MO 65321 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
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★ 5 stars, 1 review 340 S Springfield Ave, Bolivar, MO 65613 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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1722 Missouri State Rd, Arnold, MO 63010 2006 A+5.0 ★Texas Ratio: 3.75% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Das Acquisition Company, LLC
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Conventional, FHA, VA, USDA | 67 | 9.1% | 98.7% | $214,850 | |
Mortgage Research Center
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Conventional, VA | 18 | 2.4% | 90% | $227,222 | |
Gershman Investment Corp.
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Conventional, FHA, VA | 13 | 1.8% | 76.5% | $286,538 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional, FHA | 11 | 1.5% | 100% | $166,818 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 2 | 0.3% | 100% | $915,000 | View |
First State Bank of St Charles
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Conventional | 1 | 0.1% | 100% | $315,000 | |
US Wide Financial LLC
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Conventional | 1 | 0.1% | 100% | $395,000 | |
Gateway Metro Federal Credit U
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Conventional | 1 | 0.1% | 100% | $145,000 | |
Ozarks Federal Savings and Loan
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Conventional | 1 | 0.1% | 100% | $165,000 | |
Endeavor Capital, LLC
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VA | 1 | 0.1% | 100% | $235,000 | |
Guild Mortgage Company
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Conventional, FHA, VA, USDA | 52 | 7.1% | 100% | $147,692 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional, FHA | 45 | 6.1% | 90% | $177,222 | View |
Synergy One Lending, Inc.
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Conventional, FHA, VA | 19 | 2.6% | 86.4% | $179,736 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 14 | 1.9% | 88.2% | $157,142 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 12 | 1.6% | 92.3% | $250,833 | View |
Nations Direct Mortgage, LLC
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Conventional, FHA, VA | 10 | 1.4% | 100% | $169,000 | |
21St Mortgage
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Conventional | 9 | 1.2% | 56.2% | $66,111 | |
Nationstar Mortgage
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Conventional | 7 | 1% | 100% | $80,714 | |
Freedom Mortgage Corporation
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FHA, VA | 6 | 0.8% | 100% | $256,666 | |
Geneva Financial LLC
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Conventional, FHA | 6 | 0.8% | 100% | $213,333 | |
Newrez LLC
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Conventional, FHA, VA | 5 | 0.7% | 71.4% | $279,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 5 | 0.7% | 70% | $85,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 4 +1 HELOCs |
0.5% | 66.7% | $60,000 | |
Amerisave Mortgage Company
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Conventional | 4 | 0.5% | 44.4% | $62,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 3 +2 HELOCs |
0.4% | 42.9% | $381,666 | |
United Wholesale Mortgage
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Conventional, VA | 3 | 0.4% | 100% | $435,000 | |
Discover Bank
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Conventional | 3 | 0.4% | 60% | $61,666 | |
Zillow Home Loans, LLC
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Conventional, FHA | 3 | 0.4% | 100% | $321,666 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 3 | 0.4% | 75% | $251,666 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 50% | $135,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.3% | 100% | $465,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 0.3% | 66.7% | $300,000 | |
Sage Home Loans Corporation
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Conventional, VA | 2 | 0.3% | 100% | $370,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 2 | 0.3% | 100% | $270,000 | |
Nqm Funding, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $215,000 | |
Churchill Mortgage Corporation
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Conventional | 2 | 0.3% | 100% | $180,000 | |
Planet Home Lending, LLC
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FHA | 2 | 0.3% | 60% | $125,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.3% | 100% | $260,000 | View |
Carrington Mortgage Services LLC
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FHA, VA | 2 | 0.3% | 100% | $300,000 | |
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A4.7 ★Texas Ratio: 2.58% |
FHA | 2 | 0.3% | 50% | $280,000 | View |
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A+5.0 ★Texas Ratio: 3.14% |
VA, HELOC | 1 +1 HELOCs |
0.1% | 100% | $325,000 | View |
Cadence Bank
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Conventional | 1 | 0.1% | 100% | $415,000 | |
Southwest Airlines FCU
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Conventional | 1 | 0.1% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 3.75% |
Conventional | 1 | 0.1% | 50% | $295,000 | View |
Zippy Loans, LLC
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Conventional | 1 | 0.1% | 50% | $35,000 | |
American Financial Resources LLC
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FHA | 1 | 0.1% | 100% | $125,000 | |
Goodleap, LLC
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FHA | 1 | 0.1% | 100% | $125,000 | |
loanDepot.com LLC
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FHA | 1 | 0.1% | 50% | $185,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $165,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.1% | 100% | $195,000 | |
Eustis Mortgage Corp
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Conventional | 1 | 0.1% | 100% | $435,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.1% | 100% | $375,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.1% | 100% | $645,000 | |
New Day Financial, LLC.
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VA | 1 | 0.1% | 28.6% | $245,000 | |
Healthcare Associates Credit Union
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Conventional | 1 | 0.1% | 100% | $25,000 | |
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A-5.0 ★Texas Ratio: 15.49% |
VA | 1 | 0.1% | 100% | $155,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.1% | 100% | $115,000 | View |
Nations Lending Corporation
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FHA | 1 | 0.1% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 0.35% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
Evolve Bank & Trust
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Uif Corporation
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.1% | 100% | $175,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.1% | 100% | $165,000 | |
New American Funding, LLC.
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FHA | 1 | 0.1% | 100% | $125,000 | |
Tammac Holdings Corporation
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Conventional | 1 | 0.1% | 50% | $105,000 | |
Village Capital & Investment
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VA | 1 | 0.1% | 50% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.08% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Consolidated Community Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Scott Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Cape Girardeau 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 Cape Girardeau, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in Cape Girardeau? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cape Girardeau in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cape Girardeau, MO
Use these to narrow the list above. Each category shows how many Cape Girardeau, MO lenders fit and what that kind of lender is usually best for.
Who Lends in Cape Girardeau, MO
Independent mortgage companies closed 48.8 percent of home loans in Cape Girardeau, Missouri in 2025, banks 49.9 percent and credit unions 1.2 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, The Bank of Missouri the largest bank and Assemblies of God Credit Union the largest credit union. Among lenders headquartered in Missouri, The Bank of Missouri led with 43 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 Cape Girardeau, MO
By home loans closed in 2025, The Bank of Missouri was the largest mortgage lender in Cape Girardeau, Missouri with 43 loans, about 5.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Cape Girardeau, Missouri, Guild Mortgage Company approved the highest share of completed applications in 2025 at 100 percent, against a 87.2 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
32 lenders closed FHA loans in Cape Girardeau, Missouri in 2025, led by Das Acquisition Company, LLC with 29. 22 lenders closed VA loans, led by Mortgage Research Center, and 4 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. 41 banks and 11 credit unions closed home loans in Cape Girardeau, Missouri in 2025, alongside 50 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 Cape Girardeau, 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 Cape Girardeau, 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 Cape Girardeau. 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.
