Mortgage Lenders and Brokers in Centralia, 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
Centralia, Missouri mortgage lenders include The Central Trust BankThe Central Trust Bank216 W Railroad St, Centralia, MO 65240A+5.0 ★Texas Ratio: 3.12%, The Bank of MissouriThe Bank of Missouri214 S Allen St, Centralia, MO 65240A5.0 ★Texas Ratio: 9.58%, 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, Exchange Bank of MissouriExchange Bank of Missouri101 S Church St, Fayette, MO 65248C+4.1 ★Texas Ratio: 26.19%, HomebankHomebank1399 E Highway 22, Centralia, MO 65240A+5.0 ★Texas Ratio: 2.67%, First State Community BankFirst State Community Bank74 Rue Terre Bonne, Bonne Terre, MO 63628A5.0 ★Texas Ratio: 6.95%, United Credit UnionUnited Credit Union3421 Grindstone Pkwy, Columbia, MO 65201 5691, The Callaway BankThe Callaway Bank101 W Broadway, Ashland, MO 65010A+5.0 ★Texas Ratio: 5.92%, 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 Centralia, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Centralia 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 Centralia, Missouri
Market share is the lender's share of all home loans closed in Centralia, 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 Centralia 216 W Railroad St, Centralia, MO 65240 A+5.0 ★Texas Ratio: 3.12% |
Conventional, HELOC | 23 +13 HELOCs |
12.8% | 92% | $186,739 | View |
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1 office in Centralia 214 S Allen St, Centralia, MO 65240 A5.0 ★Texas Ratio: 9.58% |
Conventional | 2 | 1.1% | 100% | $150,000 | View |
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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA, USDA | 32 | 17.9% | 100% | $204,375 | View |
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400 E Broadway, Ashland, MO 65010 |
Conventional | 10 | 5.6% | 91.7% | $188,000 | View |
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101 S Church St, Fayette, MO 65248 C+4.1 ★Texas Ratio: 26.19% |
Conventional | 6 | 3.4% | 100% | $188,333 | View |
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1399 E Highway 22, Centralia, MO 65240 A+5.0 ★Texas Ratio: 2.67% |
Conventional | 6 | 3.4% | 85.7% | $220,000 | View |
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74 Rue Terre Bonne, Bonne Terre, MO 63628 A5.0 ★Texas Ratio: 6.95% |
Conventional, HELOC | 4 +2 HELOCs |
2.2% | 100% | $195,000 | View |
United Credit Union
3421 Grindstone Pkwy, Columbia, MO 65201 5691 |
Conventional | 3 | 1.7% | 50% | $115,000 | |
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101 W Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 5.92% |
Conventional | 3 | 1.7% | 100% | $308,333 | View |
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1543 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +1 HELOCs |
1.1% | 100% | $200,000 | View |
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804 Highway 28 W, Belle, MO 65013 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 2 | 1.1% | 100% | $395,000 | View |
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100 West Main Street, Auxvasse, MO 65231 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 1.1% | 100% | $140,000 | View |
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101 E Us Highway 136, Albany, MO 64402 A5.0 ★Texas Ratio: 6.76% |
Conventional | 1 | 0.6% | 100% | $55,000 | View |
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1215 Fellows Pl, Columbia, MO 65201 A5.0 ★Texas Ratio: 8.24% |
Conventional | 1 | 0.6% | 100% | $565,000 | View |
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7700 Bonhomme Ave, Clayton, MO 63105 A+5.0 ★Texas Ratio: 3.88% |
VA | 1 | 0.6% | 100% | $335,000 | View |
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119 N Main St, Fayette, MO 65248 A+5.0 ★Texas Ratio: 2.43% |
Conventional | 1 | 0.6% | 100% | $195,000 | View |
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10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 1 | 0.6% | 100% | $205,000 | View |
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8127 E 171st St, Belton, MO 64012 A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.6% | 100% | $275,000 | View |
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1003 State Highway C, Bevier, MO 63532 A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.6% | 100% | $195,000 | View |
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2500 Range Line St, Columbia, MO 65202 A+5.0 ★Texas Ratio: 0.69% |
Conventional | 1 | 0.6% | 100% | $735,000 | View |
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308 S 9th St Ste 114, Columbia, MO 65201 5161 A5.0 ★Texas Ratio: 12.18% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Das Acquisition Company, LLC
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Conventional, FHA, USDA | 8 | 4.5% | 100% | $213,750 | |
Mortgage Research Center
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FHA, VA | 5 | 2.8% | 83.3% | $325,000 | |
Gershman Investment Corp.
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Conventional, FHA | 3 | 1.7% | 60% | $201,666 | |
FCS Financial FLCA
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Conventional | 2 | 1.1% | 100% | $275,000 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional, FHA | 14 | 7.8% | 93.8% | $148,571 | View |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 5 | 2.8% | 100% | $219,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 2.2% | 85.7% | $192,500 | |
United Wholesale Mortgage
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FHA | 3 | 1.7% | 100% | $178,333 | |
Midwest Mortgage Associates Corp
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FHA | 3 | 1.7% | 100% | $268,333 | |
loanDepot.com LLC
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Conventional | 2 | 1.1% | 100% | $390,000 | |
Union Home Mortgage Corp.
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VA | 2 | 1.1% | 100% | $255,000 | |
New American Funding, LLC.
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FHA | 2 | 1.1% | 66.7% | $225,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 1.1% | 100% | $190,000 | |
American Portfolio Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $345,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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USDA | 1 | 0.6% | 100% | $205,000 | |
American Financial Resources LLC
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VA | 1 | 0.6% | 100% | $225,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.6% | 100% | $285,000 | |
Newrez LLC
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VA | 1 | 0.6% | 100% | $245,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.6% | 100% | $165,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.6% | 100% | $195,000 | |
Guild Mortgage Company
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FHA | 1 | 0.6% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
FHA | 1 | 0.6% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
FHA | 1 | 0.6% | 100% | $165,000 | View |
Thompson Kane & Company, Inc
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USDA | 1 | 0.6% | 100% | $165,000 | |
Discover Bank
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Conventional | 1 | 0.6% | 100% | $35,000 | |
American Financing Corporation
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FHA | 1 | 0.6% | 50% | $225,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $265,000 | |
American Pacific Mortgage Corporation
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VA | 1 | 0.6% | 100% | $545,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.6% | 100% | $255,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.6% | 100% | $185,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.6% | 100% | $145,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.6% | 100% | $415,000 | |
21St Mortgage
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Conventional | 1 | 0.6% | 100% | $105,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.6% | 100% | $135,000 | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Empeople Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Centralia 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 Centralia, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in Centralia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Centralia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Centralia, MO
Use these to narrow the list above. Each category shows how many Centralia, MO lenders fit and what that kind of lender is usually best for.
Who Lends in Centralia, MO
Independent mortgage companies closed 57.5 percent of home loans in Centralia, Missouri in 2025, banks 34.1 percent and credit unions 8.4 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 23 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 Centralia, MO
By home loans closed in 2025, The Central Trust Bank was the largest mortgage lender in Centralia, Missouri with 23 loans, about 12.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Centralia, Missouri in 2025, led by Flat Branch Mortgage, Inc. with 5. 11 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. 20 banks and 5 credit unions closed home loans in Centralia, Missouri in 2025, alongside 33 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 Centralia, 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 Centralia, 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 Centralia. 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.
