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Mortgage Lenders and Brokers in Columbia, Missouri

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Columbia, Missouri mortgage lenders include Flat Branch Mortgage, Inc.Flat Branch Mortgage, Inc.803 Wollard Blvd, Richmond, MO 64085A+5.0 ★Texas Ratio: 0.00%, The Central Trust BankThe Central Trust Bank2116 Nelwood Dr, Columbia, MO 65202A+5.0 ★Texas Ratio: 3.12%, Mid America BankMid America Bank4601 Stellar Drive, Columbia, MO 65201A+5.0 ★Texas Ratio: 5.45%, The Bank of MissouriThe Bank of Missouri3610 Buttonwood Dr, Columbia, MO 65201A5.0 ★Texas Ratio: 9.58%, US Bank, N.A.US Bank, N.A.507 W Business Loop 70, Columbia, MO 65203A+5.0 ★Texas Ratio: 2.85%, First Midwest Bank of the OzarksFirst Midwest Bank of the Ozarks1215 Fellows Pl, Columbia, MO 65201A5.0 ★Texas Ratio: 8.24%, The Callaway BankThe Callaway Bank5600 Bull Run Dr, Columbia, MO 65201A+5.0 ★Texas Ratio: 5.92%, Commerce BankCommerce Bank3100 W Broadway, Columbia, MO 65203A+5.0 ★Texas Ratio: 0.89%, First State Community BankFirst State Community Bank15 S 5th St, Columbia, MO 65201A5.0 ★Texas Ratio: 6.95%, and First Mid Bank and Trust, NAFirst Mid Bank and Trust, NA8 N 5th St, Columbia, MO 65201A+5.0 ★Texas Ratio: 3.88%. 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 Columbia, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Columbia 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 Columbia, Missouri

Market share is the lender's share of all home loans closed in Columbia, 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
Flat Branch Mortgage, Inc. 803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA, USDA	387	16.3%	99.7%	$277,325	View
The Central Trust Bank 9 offices in Columbia 2116 Nelwood Dr, Columbia, MO 65202 A+5.0 ★Texas Ratio: 3.12%	Conventional, FHA, VA, Jumbo, HELOC	252 +122 HELOCs	10.6%	95.5%	$317,500	View
Mid America Bank 1 office in Columbia 4601 Stellar Drive, Columbia, MO 65201 A+5.0 ★Texas Ratio: 5.45%	Conventional, Jumbo	66	2.8%	95.8%	$354,545	View
The Bank of Missouri 1 office in Columbia 3610 Buttonwood Dr, Columbia, MO 65201 A5.0 ★Texas Ratio: 9.58%	Conventional, Jumbo	43	1.8%	93.5%	$380,116	View
US Bank, N.A. 3 offices in Columbia 507 W Business Loop 70, Columbia, MO 65203 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	41 +19 HELOCs	1.7%	83%	$200,121	View
First Midwest Bank of the Ozarks 2 offices in Columbia 1215 Fellows Pl, Columbia, MO 65201 A5.0 ★Texas Ratio: 8.24%	Conventional	30	1.3%	96.8%	$259,666	View
The Callaway Bank 2 offices in Columbia 5600 Bull Run Dr, Columbia, MO 65201 A+5.0 ★Texas Ratio: 5.92%	Conventional	30	1.3%	100%	$223,000	View
Commerce Bank 5 offices in Columbia 3100 W Broadway, Columbia, MO 65203 A+5.0 ★Texas Ratio: 0.89%	Conventional, FHA, Jumbo, HELOC	27 +42 HELOCs	1.1%	67.5%	$186,111	View
First State Community Bank 3 offices in Columbia 15 S 5th St, Columbia, MO 65201 A5.0 ★Texas Ratio: 6.95%	Conventional, FHA, HELOC	26 +12 HELOCs	1.1%	92.9%	$389,230	View
First Mid Bank and Trust, NA 2 offices in Columbia 8 N 5th St, Columbia, MO 65201 A+5.0 ★Texas Ratio: 3.88%	Conventional, HELOC	19 +5 HELOCs	0.8%	90.5%	$345,526	View
Simmons Bank 6 offices in Columbia 1900 S Scott Blvd, Columbia, MO 65203 A+5.0 ★Texas Ratio: 5.33%	Conventional, HELOC	14 +48 HELOCs	0.6%	77.8%	$224,285	View
Hawthorn Bank 2 offices in Columbia 803 E Walnut St, Columbia, MO 65201 A+5.0 ★Texas Ratio: 3.36%	Conventional, Jumbo, HELOC	9 +20 HELOCs	0.4%	100%	$535,000	View
Connections Bank 2 offices in Columbia 1105 Grindstone Pkwy, Columbia, MO 65201 A+5.0 ★Texas Ratio: 0.00%	Conventional	8	0.3%	100%	$173,750	View
The Missouri Bank 1 office in Columbia 2500 Range Line St, Columbia, MO 65202 A+5.0 ★Texas Ratio: 0.69%	Conventional	8	0.3%	100%	$301,250	View
Bank of America NA 2 offices in Columbia 800 Cherry St, Columbia, MO 65201 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	7 +18 HELOCs	0.3%	100%	$313,571	View
Regions Bank 2 offices in Columbia 2114 Paris Rd, Columbia, MO 65202 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	6 +9 HELOCs	0.3%	54.5%	$280,000	View
Umb Bank NA 1 office in Columbia 1516 Chapel Hill Rd, Columbia, MO 65203 A+5.0 ★Texas Ratio: 1.78%	Conventional, HELOC	3 +6 HELOCs	0.1%	100%	$228,333	View
Academy Bank, N.A. 1 office in Columbia 1201 Grindstone Pkwy, Columbia, MO 65201 A+5.0 ★Texas Ratio: 5.08%	Conventional, Jumbo	2	0.1%	100%	$755,000	View
Great Southern Bank 1 office in Columbia 3200 S Providence Rd, Columbia, MO 65203 A+5.0 ★Texas Ratio: 1.55%	Conventional	1	0%	33.3%	$175,000	View
OakStar Bank ★ 5 stars, 1 review 1 office in Columbia 1010 Club Village Dr, Columbia, MO 65203 A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0%	100%	$275,000	View
Mortgage Research Center	Conventional, FHA, VA, Jumbo	111	4.7%	86.4%	$309,864
Mid-Continent Funding, Inc.	Conventional, VA	10	0.4%	83.3%	$208,000
Multipli Federal Credit Union 3000 Carter Lane, Columbia, MO 65201	Conventional, Jumbo	291	12.2%	94.8%	$193,694	View
West Community Credit Union 308 S 9th St Ste 114, Columbia, MO 65201 5161 A5.0 ★Texas Ratio: 12.18%	Conventional, FHA, HELOC	38 +15 HELOCs	1.6%	89.6%	$258,157	View
Nbkc Bank 8320 Ward Pkwy, Kansas City, MO 64114	Conventional, VA	18	0.8%	90%	$437,777
Missouri Credit Union 111 E Broadway, Columbia, MO 65203 A5.0 ★Texas Ratio: 9.58%	Conventional	12	0.5%	92.3%	$307,500	View
Exchange Bank of Missouri 101 S Church St, Fayette, MO 65248 C+4.1 ★Texas Ratio: 26.19%	Conventional	11	0.5%	100%	$273,181	View
JPMorgan Chase Bank, NA 1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68%	Conventional	10	0.4%	100%	$360,000	View
Wells Fargo Bank NA 1 N Jefferson Ave, Saint Louis, MO 63103 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	10	0.4%	71.4%	$273,000	View
Commercial Trust Company 119 N Main St, Fayette, MO 65248 A+5.0 ★Texas Ratio: 2.43%	Conventional	9	0.4%	100%	$331,666	View
Arvest Bank 607 Highway 71 North, Anderson, MO 64831 A5.0 ★Texas Ratio: 7.48%	Conventional, VA	8	0.3%	100%	$446,250	View
Alliant Bank 1910 Main St, Boonville, MO 65233 A+5.0 ★Texas Ratio: 3.14%	Conventional	5	0.2%	100%	$307,000	View
Wood & Huston Bank ★ 5 stars, 1 review 111 S Broadview St, Cape Girardeau, MO 63703 A+5.0 ★Texas Ratio: 1.77%	Conventional	4	0.2%	100%	$192,500	View
Regional Missouri Bank 1003 State Highway C, Bevier, MO 63532 A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.2%	100%	$442,500	View
Stifel Bank & Trust 501 N Broadway, Saint Louis, MO 63102 A-4.8 ★Texas Ratio: 12.33%	Conventional, HELOC	3 +2 HELOCs	0.1%	100%	$271,666	View
BTC Bank 4000 S Rangeline Rd, Columbia, MO 65201 A5.0 ★Texas Ratio: 6.76%	Conventional	3	0.1%	100%	$148,333	View
HNB National Bank 700 Business Highway 61 N, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 0.35%	Conventional	3	0.1%	100%	$318,333	View
BMO Harris Bank NA 1060 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.54%	Conventional	3	0.1%	75%	$228,333	View
Peoples Savings Bank 901 Business Highway 61 N, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 2.68%	Conventional	2	0.1%	100%	$175,000	View
Heritage Community Bank 101 South Main St, Chamois, MO 65024 B4.5 ★Texas Ratio: 21.03%	Conventional	2	0.1%	100%	$525,000	View
Homebank 1108 S Business Highway 61, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 2.67%	Conventional	2	0.1%	100%	$170,000	View
Capitol Federal Savings Bank 4242 Main St, Kansas City, MO 64111 A+5.0 ★Texas Ratio: 5.21%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$235,000	View
Bokf NA 125 Southwest Blvd, Kansas City, MO 64108 A+5.0 ★Texas Ratio: 1.05%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$195,000	View
First Bank 2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49%	Conventional	1	0%	100%	$275,000	View
Infuze Credit Union 5000 Illinois Ave, Fort Leonard Wood, MO 65473 A+5.0 ★Texas Ratio: 2.56%	Conventional	1	0%	100%	$195,000	View
State Bank 6969 S Lindbergh Blvd, Saint Louis, MO 63125 C+4.1 ★Texas Ratio: 25.55%	Conventional	1	0%	100%	$245,000	View
Vantage Credit Union 11915 Saint Charles Rock Rd, Bridgeton, MO 63044 A+5.0 ★Texas Ratio: 4.97%	Conventional	1	0%	100%	$245,000	View
Armed Forces Bank, N.A. 484 Nebraska Avenue, Fort Leonard Wood, MO 65473 A+5.0 ★Texas Ratio: 4.81%	VA	1	0%	100%	$575,000	View
Jonesburg State Bank 110 1st St, Jonesburg, MO 63351 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$35,000	View
First Ciitizens Bank and Trust 4717 Grand Ave, Kansas City, MO 64112 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0%	100%	$335,000	View
The Maries County Bank 2nd And Pine Street, Argyle, MO 65001 A+5.0 ★Texas Ratio: 0.59%	Conventional	1	0%	100%	$325,000	View
The Bank of Old Monroe #10 Freise Industrial Drive, Moscow Mills, MO 63362 A+5.0 ★Texas Ratio: 0.03%	Conventional	1	0%	100%	$165,000	View
Security Bank of Kansas City 5959 Ne Antioch Rd, Gladstone, MO 64119 A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0%	100%	$135,000	View
United Credit Union 3421 Grindstone Pkwy, Columbia, MO 65201 5691	Conventional	1	0%	66.7%	$45,000
State Bank of Southwest Missouri 3310 E Sunshine St, Springfield, MO 65804 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$145,000	View
Busey Bank 17701 Edison Ave, Chesterfield, MO 63005 A+5.0 ★Texas Ratio: 2.31%	Conventional	1	0%	100%	$265,000	View
Community Bank of Marshall 208 N Main St, Blackburn, MO 65321 A+5.0 ★Texas Ratio: 5.27%	Conventional	1	0%	100%	$255,000	View
Enterprise Bank & Trust 3944 Vogel Rd, Arnold, MO 63010 A5.0 ★Texas Ratio: 7.31%	Conventional	1	0%	100%	$185,000	View
First Community Credit Union 1722 Missouri State Rd, Arnold, MO 63010 2006 A+5.0 ★Texas Ratio: 3.75%	HELOC	0 +1 HELOCs	0%	0%		View
Equity Bank 651 Ne Coronado Dr, Blue Springs, MO 64014 A5.0 ★Texas Ratio: 6.60%	HELOC	0 +1 HELOCs	0%	n/a		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1532 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +1 HELOCs	0%	n/a		View
Das Acquisition Company, LLC	Conventional, FHA, VA	89	3.7%	99%	$271,179
First State Bank of St Charles	Conventional, VA, Jumbo	22	0.9%	100%	$330,000
Gershman Investment Corp.	Conventional, FHA, VA	10	0.4%	52.6%	$248,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	5	0.2%	100%	$281,000	View
Endeavor Capital, LLC	Conventional, FHA	4	0.2%	100%	$185,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0%	100%	$645,000	View
Community Mortgage, LLC	Conventional	1	0%	100%	$245,000
Access Capital Funding LLC	Conventional	1	0%	100%	$365,000
Conservation Emp Credit Union	Conventional	1	0%	100%	$115,000
Rocket Mortgage A5.0 ★Texas Ratio: 7.45%	Conventional, FHA, VA	106	4.5%	84.8%	$224,905	View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	94	4%	88%	$339,148
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA	37	1.6%	90.2%	$399,054	View
Pennymac Loan Services LLC	Conventional, FHA, VA	35	1.5%	76.6%	$242,714
Nationstar Mortgage	Conventional, FHA, VA	27	1.1%	87.5%	$161,296
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	20 +2 HELOCs	0.8%	95.2%	$264,000
Guild Mortgage Company	Conventional, FHA, VA	20	0.8%	95.2%	$248,500
American Pacific Mortgage Corporation	Conventional, FHA, VA, USDA	16	0.7%	88.9%	$283,750
Freedom Mortgage Corporation	Conventional, FHA, VA	15	0.6%	86.4%	$287,000
loanDepot.com LLC	Conventional, VA, HELOC	14 +1 HELOCs	0.6%	63.6%	$154,285
Midwest Mortgage Associates Corp	Conventional, FHA	14	0.6%	93.3%	$274,285
New American Funding, LLC.	Conventional, FHA, VA	14	0.6%	100%	$258,571
Newrez LLC	Conventional, FHA, VA	12	0.5%	66.7%	$259,166
Amerisave Mortgage Company	Conventional, FHA, VA, HELOC	11 +1 HELOCs	0.5%	26.8%	$128,636
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	10 +1 HELOCs	0.4%	76.9%	$281,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	10	0.4%	73.3%	$315,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, FHA, VA, Jumbo, HELOC	9 +1 HELOCs	0.4%	75%	$416,111	View
Planet Home Lending, LLC	FHA, VA	8	0.3%	100%	$277,500
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	8	0.3%	80%	$125,000	View
Geneva Financial LLC	Conventional, FHA, HELOC	7 +1 HELOCs	0.3%	100%	$197,857
CrossCountry Mortgage, LLC	Conventional, VA	6	0.3%	100%	$343,333
Lakeview Loan Servicing, LLC	FHA, VA	5	0.2%	35.3%	$275,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	5	0.2%	60%	$215,000	View
T2 Financial LLC	Conventional, FHA	5	0.2%	85.7%	$383,000
Village Capital & Investment	FHA, VA	5	0.2%	100%	$317,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.14%	Conventional, FHA, VA	4	0.2%	100%	$342,500	View
AmeriHome Mortgage Company, LLC	FHA	4	0.2%	100%	$337,500
General Mortgage Capital Corporation	Conventional	4	0.2%	100%	$237,500
Click n' Close, Inc.	Conventional, FHA	4	0.2%	66.7%	$127,500
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	4	0.2%	100%	$557,500	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	4	0.2%	100%	$405,000	View
Carrington Mortgage Services LLC	Conventional, VA	4	0.2%	50%	$145,000
Spring Eq, LLC	Conventional, HELOC	3 +4 HELOCs	0.1%	33.3%	$65,000
Cmg Mortgage Inc	Conventional, FHA, HELOC	3 +1 HELOCs	0.1%	100%	$185,000
Better Mortgage Corporation A-5.0 ★Texas Ratio: 14.33%	Conventional, HELOC	3 +1 HELOCs	0.1%	37.5%	$455,000	View
Greenstate Credit Union	Conventional	3	0.1%	100%	$238,333
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	3	0.1%	100%	$385,000
TruHome Solutions, LLC	Conventional, FHA	3	0.1%	100%	$305,000
Discover Bank	Conventional	3	0.1%	26.7%	$45,000
Union Home Mortgage Corp.	Conventional	3	0.1%	80%	$295,000
New Day Financial, LLC.	VA	3	0.1%	80%	$281,666
Nations Lending Corporation	Conventional	3	0.1%	100%	$248,333
RoundPoint Mortgage Servicing LLC	Conventional	3	0.1%	100%	$261,666
Fairway Independent Mort Corp	Conventional, FHA	3	0.1%	100%	$405,000
Top Flite Financial, Inc.	Conventional, FHA	3	0.1%	100%	$201,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$370,000	View
Premier Mortgage Resources, LLC	Conventional, VA	2	0.1%	100%	$325,000
Guaranteed Rate Affinity, LLC	Conventional, FHA	2	0.1%	100%	$185,000
American Financial Resources LLC	Conventional, FHA	2	0.1%	100%	$310,000
Primelending	Conventional, FHA	2	0.1%	100%	$335,000
Everett Financial, Inc.	Conventional, FHA	2	0.1%	100%	$195,000
Farmers Insurance Federal Credit Union	Conventional	2	0.1%	100%	$260,000
Equity Prime Mortgage LLC	FHA, VA	2	0.1%	40%	$230,000
Guidance Residential, LLC	Conventional	2	0.1%	100%	$260,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 1.51%	Conventional	2	0.1%	33.3%	$75,000	View
Central National Bank A+5.0 ★Texas Ratio: 0.14%	Conventional	2	0.1%	100%	$510,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	2	0.1%	100%	$480,000	View
Synergy One Lending, Inc.	Conventional, FHA	2	0.1%	100%	$195,000
HomeXpress Mortgage Corp.	Conventional, FHA	2	0.1%	100%	$265,000
HomeBridge Financial Services, Inc A+5.0 ★Texas Ratio: 3.74%	FHA	2	0.1%	100%	$240,000	View
Sun West Mortgage Company, Inc	VA	2	0.1%	100%	$250,000
Prosperity Home Mortgage, LLC	Conventional, VA	2	0.1%	100%	$235,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.1%	100%	$150,000	View
21St Mortgage	Conventional	2	0.1%	25%	$75,000
Leaderone Financial Corp.	Conventional	2	0.1%	100%	$270,000
Tammac Holdings Corporation	Conventional	2	0.1%	31.2%	$75,000
Goodleap, LLC	Conventional, HELOC	1 +4 HELOCs	0%	100%	$305,000
Movement Mortgage, LLC	Conventional, HELOC	1 +1 HELOCs	0%	100%	$155,000
Communityamerica Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$195,000
Originpoint, LLC	Conventional	1	0%	100%	$415,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0%	100%	$565,000	View
American Portfolio Mortgage Corporation	FHA	1	0%	33.3%	$395,000
Zippy Loans, LLC	Conventional	1	0%	100%	$75,000
Alameda Mortgage Corporation	Conventional	1	0%	100%	$305,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	1	0%	100%	$265,000	View
Royal United Mortgage LLC	Conventional	1	0%	100%	$285,000
Fidelity Bank A5.0 ★Texas Ratio: 12.33%	Conventional	1	0%	100%	$305,000	View
Envoy Mortgage, Ltd	Conventional	1	0%	100%	$225,000
PHH Mortgage Corporation	Conventional	1	0%	100%	$255,000
Buena Vista National Bank A+5.0 ★Texas Ratio: 2.34%	Conventional	1	0%	100%	$855,000	View
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional	1	0%	100%	$535,000	View
Deephaven Mortgage LLC	Conventional	1	0%	50%	$125,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0%	100%	$155,000	View
Mazuma Credit Union A5.0 ★Texas Ratio: 8.70%	Conventional	1	0%	100%	$305,000	View
M Squared Financial LLC	Conventional	1	0%	100%	$185,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional	1	0%	100%	$755,000	View
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	FHA	1	0%	100%	$285,000	View
Scott Credit Union	Conventional	1	0%	100%	$505,000
Midwest Heritage Bank FSB A5.0 ★Texas Ratio: 9.76%	Conventional	1	0%	100%	$405,000	View
Bank of Whittier, Na A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$565,000	View
American Financing Corporation	Conventional	1	0%	75%	$75,000
Landmark National Bank A+5.0 ★Texas Ratio: 5.97%	Conventional	1	0%	100%	$255,000	View
Bravera Bank A+5.0 ★Texas Ratio: 5.48%	Conventional	1	0%	100%	$275,000	View
Nfm, Inc	FHA	1	0%	100%	$405,000
Cardinal Financial Company, Li	FHA	1	0%	100%	$315,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$315,000
Community 1st Credit Union	Conventional	1	0%	100%	$305,000
Century FCU A+5.0 ★Texas Ratio: 1.27%	Conventional	1	0%	100%	$275,000	View
Transportation Federal Credit Union	Conventional	1	0%	100%	$85,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$505,000	View
Churchill Mortgage Corporation	Conventional	1	0%	100%	$335,000
Bank First N.A. A+5.0 ★Texas Ratio: 3.47%	Conventional	1	0%	100%	$135,000	View
Waterstone Mortgage Corporation A+5.0 ★Texas Ratio: 2.07%	Conventional	1	0%	100%	$305,000	View
Warsaw Federal Savings and Loan Association A5.0 ★Texas Ratio: 10.25%	Conventional	1	0%	100%	$435,000	View
Lendsure Mortgage Corp.	Conventional, Jumbo	1	0%	100%	$895,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0%	100%	$145,000	View
Union Savings Bank	Conventional	1	0%	100%	$335,000
Great Plains National Bank	Conventional	1	0%	100%	$555,000
First Federal Bank A+5.0 ★Texas Ratio: 2.80%	FHA	1	0%	100%	$205,000	View
Andrews Federal Credit Union	Conventional	1	0%	100%	$225,000
Mission Loans, LLC	Conventional	1	0%	100%	$135,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0%	100%	$355,000	View
Bank of Little Rock Mortgage Corporation	Conventional	1	0%	100%	$465,000
Peoples Bank and Trust Co A5.0 ★Texas Ratio: 7.49%	Conventional	1	0%	100%	$275,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0%	100%	$245,000	View
Mortgage Solutions of Colorado	VA	1	0%	100%	$355,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0%	100%	$455,000	View
Nations Direct Mortgage, LLC	Conventional	1	0%	100%	$245,000
Purdue Federal Cu	Conventional	1	0%	100%	$205,000
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0%	100%	$455,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0%	100%	$185,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0%	100%	$305,000	View
Compass Mortgage, Inc.	Conventional	1	0%	100%	$195,000
Rolling Hills Bank & Trust A+5.0 ★Texas Ratio: 1.79%	Conventional	1	0%	100%	$225,000	View
Grand Bank for Savings, FSB	Conventional	1	0%	100%	$215,000
Stanford Federal Credit Union	Conventional	1	0%	100%	$265,000
Community Bank A+5.0 ★Texas Ratio: 1.51%	Conventional	1	0%	100%	$605,000	View
Plaza Home Mortgage, Inc	VA	1	0%	100%	$355,000
Ark-La-Tex Financial Services LLC	Conventional	1	0%	100%	$195,000
Bp Federal Credit Union	Conventional	1	0%	100%	$255,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	VA	1	0%	100%	$615,000	View
Iroquois Federal Savings & Loan Association	Conventional	1	0%	100%	$205,000
Figure Lending LLC	HELOC	0 +10 HELOCs	0%	n/a
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +7 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +3 HELOCs	0%	0%
Tower Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Valon Mortgage A5.0 ★Texas Ratio: 6.08%	HELOC	0 +2 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Boeing Employees' Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lower, LLC	HELOC	0 +1 HELOCs	0%	0%

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Columbia Mortgage Rate Trends

Daily average mortgage rates for Missouri compared with the national average, updated every evening.

30-Year Fixed MO Avg

7.406%

▲ 0.132 vs 7 days ago

15-Year Fixed MO Avg

6.683%

▲ 0.077 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Columbia, Missouri

Looking for mortgage lenders near me or mortgage brokers near me in Columbia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Columbia in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Columbia, MO

Use these to narrow the list above. Each category shows how many Columbia, MO lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 88 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 96 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 26 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 52 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 45 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 12 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MO 51 lenders headquartered in Missouri, the closest thing to a mortgage lender near you

Who Lends in Columbia, MO

Independent mortgage companies closed 48.7 percent of home loans in Columbia, Missouri in 2025, banks 35.2 percent and credit unions 16.1 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, Flat Branch Mortgage, Inc. led with 387 loans.

48.7%

Mortgage companies

35.2%

Banks

16.1%

Credit unions

11%

FHA loans

VA 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

All Missouri lenders 806 lenders Kansas City 323 lenders Springfield 215 lenders St. Louis 244 lenders O'Fallon 190 lenders Independence 188 lenders Lee's Summit 206 lenders St. Peters 174 lenders St. Charles 182 lenders Wentzville 169 lenders St. Joseph 127 lenders Blue Springs 178 lenders Florissant 143 lenders

Frequently Asked Questions About Mortgage Lenders in Columbia, MO

Who is the largest mortgage lender in Columbia, MO?

By home loans closed in 2025, Flat Branch Mortgage, Inc. was the largest mortgage lender in Columbia, Missouri with 387 loans, about 16.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Columbia, MO have the highest approval rates?

Among lenders with meaningful volume in Columbia, Missouri, Flat Branch Mortgage, Inc. approved the highest share of completed applications in 2025 at 99.7 percent, against a 88.6 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.

Which Columbia, MO mortgage lenders offer FHA, VA and USDA loans?

52 lenders closed FHA loans in Columbia, Missouri in 2025, led by Flat Branch Mortgage, Inc. with 68. 45 lenders closed VA loans, led by Mortgage Research Center, 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.

Are credit unions and local banks included in this Columbia, MO lender list?

Yes. 96 banks and 26 credit unions closed home loans in Columbia, Missouri in 2025, alongside 88 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.

How are mortgage lenders in Columbia, MO ranked on this page?

Lenders are ranked only by the number of home loans they closed in Columbia, 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 Columbia, 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 Columbia. 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.