Mortgage Lenders and Brokers in Carthage, 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
Carthage, Missouri mortgage lenders include Arvest BankArvest Bank2740 S Grand Ave, Carthage, MO 64836A5.0 ★Texas Ratio: 7.48%, Southwest Missouri BankSouthwest Missouri Bank300 W 3rd St, Carthage, MO 64836A+5.0 ★Texas Ratio: 1.87%, Community Bank and TrustCommunity Bank and Trust325 W George E Phelps Blvd, Carthage, MO 64836A+5.0 ★Texas Ratio: 0.74%, Omb BankOmb Bank535 W Fir Rd, Carthage, MO 64836A5.0 ★Texas Ratio: 6.69%, US Bank, N.A.US Bank, N.A.2208 Grand Ave, Carthage, MO 64836A+5.0 ★Texas Ratio: 2.85%, Guaranty BankGuaranty Bank312 W Central Ave, Carthage, MO 64836A+5.0 ★Texas Ratio: 3.97%, Umb Bank NAUmb Bank NA300 Grant St, Carthage, MO 64836A+5.0 ★Texas Ratio: 1.78%, Flat Branch Mortgage, Inc.Flat Branch Mortgage, Inc.803 Wollard Blvd, Richmond, MO 64085A+5.0 ★Texas Ratio: 0.00%, Pinnacle BankPinnacle Bank1316 E 32nd St, Joplin, MO 64804A+5.0 ★Texas Ratio: 1.45%, and People'S Bank of SenecaPeople'S Bank of Seneca5034 Highway 43, Joplin, MO 64804A5.0 ★Texas Ratio: 9.47%. 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 Carthage, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carthage 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 Carthage, Missouri
Market share is the lender's share of all home loans closed in Carthage, 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 Carthage 2740 S Grand Ave, Carthage, MO 64836 A5.0 ★Texas Ratio: 7.48% |
Conventional, FHA, VA, USDA, HELOC | 26 +14 HELOCs |
11.3% | 77.1% | $133,076 | View |
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1 office in Carthage 300 W 3rd St, Carthage, MO 64836 A+5.0 ★Texas Ratio: 1.87% |
Conventional, USDA, HELOC | 13 +27 HELOCs |
5.6% | 76.5% | $115,769 | View |
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1 office in Carthage 325 W George E Phelps Blvd, Carthage, MO 64836 A+5.0 ★Texas Ratio: 0.74% |
Conventional, FHA | 13 | 5.6% | 88.2% | $191,923 | View |
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1 office in Carthage 535 W Fir Rd, Carthage, MO 64836 A5.0 ★Texas Ratio: 6.69% |
Conventional, VA | 4 | 1.7% | 100% | $175,000 | View |
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1 office in Carthage 2208 Grand Ave, Carthage, MO 64836 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 3 | 1.3% | 50% | $161,666 | View |
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1 office in Carthage 312 W Central Ave, Carthage, MO 64836 A+5.0 ★Texas Ratio: 3.97% |
Conventional, FHA | 3 | 1.3% | 75% | $298,333 | View |
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1 office in Carthage 300 Grant St, Carthage, MO 64836 A+5.0 ★Texas Ratio: 1.78% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 50% | $435,000 | View |
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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA, USDA | 58 | 25.1% | 100% | $196,379 | View |
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1316 E 32nd St, Joplin, MO 64804 A+5.0 ★Texas Ratio: 1.45% |
Conventional, HELOC | 3 +1 HELOCs |
1.3% | 100% | $288,333 | View |
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5034 Highway 43, Joplin, MO 64804 A5.0 ★Texas Ratio: 9.47% |
Conventional | 3 | 1.3% | 75% | $165,000 | View |
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2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49% |
Conventional, USDA | 2 | 0.9% | 100% | $315,000 | View |
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6800 S Rock Hill Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 1.55% |
Conventional | 2 | 0.9% | 100% | $70,000 | View |
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3721 E Battlefield St, Springfield, MO 65809 A5.0 ★Texas Ratio: 13.71% |
Conventional | 1 | 0.4% | 100% | $165,000 | View |
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1001 N Jesse James Rd, Excelsior Springs, MO 64024 A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.4% | 100% | $225,000 | View |
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1300 Clarkson Clayton Center, Ellisville, MO 63011 A5.0 ★Texas Ratio: 7.31% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
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101 W Jefferson St, Marshfield, MO 65706 A+5.0 ★Texas Ratio: 3.35% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
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2275 S Springfield Ave, Bolivar, MO 65613 A+5.0 ★Texas Ratio: 0.49% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
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1 N Jefferson Ave, Saint Louis, MO 63103 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
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405 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 3.12% |
Conventional | 1 | 0.4% | 100% | $195,000 | View |
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10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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1540 State Highway 248, Branson, MO 65616 A+5.0 ★Texas Ratio: 5.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Das Acquisition Company, LLC
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Conventional, FHA | 3 | 1.3% | 100% | $155,000 | |
Mortgage Research Center
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VA, USDA | 3 | 1.3% | 75% | $178,333 | |
Gershman Investment Corp.
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Conventional, FHA | 3 | 1.3% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional, FHA, VA | 18 | 7.8% | 79.2% | $182,777 | View |
United Wholesale Mortgage
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Conventional, FHA | 9 | 3.9% | 81.8% | $200,555 | |
New American Funding, LLC.
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Conventional, FHA, USDA | 9 | 3.9% | 90% | $141,666 | |
Freedom Mortgage Corporation
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FHA | 5 | 2.2% | 100% | $175,000 | |
Equity Prime Mortgage LLC
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FHA, USDA | 4 | 1.7% | 100% | $167,500 | |
Nationstar Mortgage
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Conventional, FHA, VA | 4 | 1.7% | 100% | $200,000 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 2 +1 HELOCs |
0.9% | 100% | $310,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, VA | 2 | 0.9% | 66.7% | $270,000 | View |
Amerisave Mortgage Company
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Conventional | 2 | 0.9% | 40% | $45,000 | |
New Day Financial, LLC.
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VA | 2 | 0.9% | 100% | $150,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.9% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
Southwest Airlines FCU
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Conventional | 1 | 0.4% | 100% | $385,000 | |
American Financial Resources LLC
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VA | 1 | 0.4% | 100% | $535,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Primelending
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Conventional | 1 | 0.4% | 100% | $175,000 | |
Newrez LLC
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Conventional | 1 | 0.4% | 50% | $75,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $145,000 | |
Pennymac Loan Services LLC
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VA | 1 | 0.4% | 25% | $235,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.4% | 100% | $225,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 1 | 0.4% | 100% | $165,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.4% | 100% | $455,000 | |
American Financing Corporation
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Conventional | 1 | 0.4% | 100% | $235,000 | |
Midwest Mortgage Associates Corp
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Conventional | 1 | 0.4% | 100% | $115,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.4% | 100% | $185,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.4% | 50% | $475,000 | View |
Planet Home Lending, LLC
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Conventional | 1 | 0.4% | 100% | $55,000 | |
Communityamerica Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.4% | 100% | $135,000 | View |
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A+5.0 ★Texas Ratio: 5.85% |
Conventional | 1 | 0.4% | 100% | $25,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.4% | 100% | $65,000 | View |
Southwest Stage Funding LLC
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Conventional | 1 | 0.4% | 83.3% | $155,000 | |
21St Mortgage
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Conventional | 1 | 0.4% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $95,000 | View |
Top Flite Financial, Inc.
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FHA | 1 | 0.4% | 100% | $195,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 100% | $335,000 | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Carthage 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 Carthage, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in Carthage? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carthage in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Carthage, MO
Use these to narrow the list above. Each category shows how many Carthage, MO lenders fit and what that kind of lender is usually best for.
Who Lends in Carthage, MO
Independent mortgage companies closed 60.6 percent of home loans in Carthage, Missouri in 2025, banks 38.1 percent and credit unions 1.3 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, Arvest Bank the largest bank and Members 1St FCU the largest credit union. Among lenders headquartered in Missouri, Southwest Missouri Bank led with 13 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 Carthage, MO
By home loans closed in 2025, Arvest Bank was the largest mortgage lender in Carthage, Missouri with 26 loans, about 11.3 percent of the market. The largest lender headquartered in Missouri was Southwest Missouri Bank with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Carthage, Missouri, Flat Branch Mortgage, Inc. approved the highest share of completed applications in 2025 at 100 percent, against a 85.8 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.
16 lenders closed FHA loans in Carthage, Missouri in 2025, led by Flat Branch Mortgage, Inc. with 27. 13 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. 27 banks and 3 credit unions closed home loans in Carthage, Missouri in 2025, alongside 32 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 Carthage, 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 Carthage, 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 Carthage. 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.
