Mortgage Lenders and Brokers in Garden City, 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
Garden City, Missouri mortgage lenders include Sherwood Community BankSherwood Community Bank89 Old 7 Highway, Garden City, MO 64747A5.0 ★Texas Ratio: 10.87%, Community First BankCommunity First Bank200 N 3rd St, Garden City, MO 64747A5.0 ★Texas Ratio: 8.40%, Flat Branch Mortgage, Inc.Flat Branch Mortgage, Inc.803 Wollard Blvd, Richmond, MO 64085A+5.0 ★Texas Ratio: 0.00%, F & C BankF & C Bank1006 Eagle Crest Dr, Holden, MO 64040A+5.0 ★Texas Ratio: 3.13%, Commerce BankCommerce Bank10185 Gravois Rd, Affton, MO 63123A+5.0 ★Texas Ratio: 0.89%, Hawthorn BankHawthorn Bank8127 E 171st St, Belton, MO 64012A+5.0 ★Texas Ratio: 3.36%, US Bank, N.A.US Bank, N.A.1543 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 2.85%, Adrian BankAdrian Bank130 E Main St, Adrian, MO 64720A+5.0 ★Texas Ratio: 3.57%, Arvest BankArvest Bank607 Highway 71 North, Anderson, MO 64831A5.0 ★Texas Ratio: 7.48%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1314 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 3.68%. 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 Garden City, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Garden City 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 Garden City, Missouri
Market share is the lender's share of all home loans closed in Garden City, 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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89 Old 7 Highway, Garden City, MO 64747 A5.0 ★Texas Ratio: 10.87% |
Conventional | 14 | 12.8% | 82.4% | $149,285 | View |
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1 office in Garden City 200 N 3rd St, Garden City, MO 64747 A5.0 ★Texas Ratio: 8.40% |
Conventional | 3 | 2.8% | 100% | $81,666 | View |
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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, USDA | 6 | 5.5% | 100% | $261,666 | View |
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1006 Eagle Crest Dr, Holden, MO 64040 A+5.0 ★Texas Ratio: 3.13% |
Conventional | 3 | 2.8% | 75% | $141,666 | View |
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10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89% |
Conventional, HELOC | 2 +4 HELOCs |
1.8% | 100% | $165,000 | View |
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8127 E 171st St, Belton, MO 64012 A+5.0 ★Texas Ratio: 3.36% |
Conventional, HELOC | 2 +1 HELOCs |
1.8% | 50% | $505,000 | View |
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1543 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 1.8% | 100% | $330,000 | View |
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130 E Main St, Adrian, MO 64720 A+5.0 ★Texas Ratio: 3.57% |
Conventional | 2 | 1.8% | 100% | $120,000 | View |
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607 Highway 71 North, Anderson, MO 64831 A5.0 ★Texas Ratio: 7.48% |
Conventional | 2 | 1.8% | 100% | $350,000 | View |
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1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.9% | 100% | $45,000 | View |
Nbkc Bank
8320 Ward Pkwy, Kansas City, MO 64114 |
Conventional | 1 | 0.9% | 100% | $305,000 | |
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6363 N Cosby Ave, Kansas City, MO 64151 A5.0 ★Texas Ratio: 8.19% |
Conventional | 1 | 0.9% | 100% | $25,000 | View |
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405 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 3.12% |
VA | 1 | 0.9% | 100% | $245,000 | View |
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202 E North Ave, Belton, MO 64012 A+5.0 ★Texas Ratio: 4.82% |
Conventional | 1 | 0.9% | 100% | $105,000 | View |
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651 Ne Coronado Dr, Blue Springs, MO 64014 A5.0 ★Texas Ratio: 6.60% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3500 S Noland Rd, Independence, MO 64055 A+5.0 ★Texas Ratio: 3.50% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 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 | |
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827 Arnold Commons Drive, Arnold, MO 63010 A+5.0 ★Texas Ratio: 1.78% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage Research Center
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FHA, VA | 4 | 3.7% | 66.7% | $280,000 | |
First State Bank of St Charles
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Conventional | 1 | 0.9% | 100% | $435,000 | |
Community Mortgage, LLC
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USDA | 1 | 0.9% | 100% | $135,000 | |
Jlb Corporation dba Golden Oak Lending
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Conventional | 1 | 0.9% | 100% | $315,000 | |
FCS Financial FLCA
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Conventional | 1 | 0.9% | 100% | $385,000 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional, FHA, VA | 9 | 8.3% | 78.6% | $173,888 | View |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 6 | 5.5% | 100% | $375,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 4 | 3.7% | 100% | $207,500 | View |
Premier Mortgage Resources, LLC
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Conventional, FHA | 3 | 2.8% | 100% | $95,000 | |
United Wholesale Mortgage
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Conventional | 3 | 2.8% | 75% | $331,666 | |
Pennymac Loan Services LLC
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Conventional, FHA | 3 | 2.8% | 100% | $75,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 2.8% | 100% | $128,333 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 2.8% | 100% | $81,666 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 3 | 2.8% | 60% | $158,333 | |
Mortgage Investment Services Corporation
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Conventional, FHA | 2 | 1.8% | 100% | $185,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 1.8% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 1.8% | 66.7% | $455,000 | |
Leaderone Financial Corp.
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Conventional, USDA | 2 | 1.8% | 100% | $360,000 | |
Village Capital & Investment
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VA | 2 | 1.8% | 100% | $340,000 | |
Primelending
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FHA | 1 | 0.9% | 50% | $355,000 | |
Goodleap, LLC
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FHA | 1 | 0.9% | 100% | $225,000 | |
Newrez LLC
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FHA | 1 | 0.9% | 100% | $195,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.9% | 100% | $135,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.9% | 100% | $355,000 | |
M Squared Financial LLC
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Conventional | 1 | 0.9% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
FHA | 1 | 0.9% | 100% | $385,000 | View |
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A+5.0 ★Texas Ratio: 2.07% |
Conventional | 1 | 0.9% | 100% | $75,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $235,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.9% | 100% | $155,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.9% | 100% | $155,000 | View |
Texana Bank
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VA | 1 | 0.9% | 100% | $325,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.9% | 100% | $25,000 | |
Communityamerica Federal Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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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 |
Garden City 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 Garden City, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in Garden City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Garden City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Garden City, MO
Use these to narrow the list above. Each category shows how many Garden City, MO lenders fit and what that kind of lender is usually best for.
Who Lends in Garden City, MO
Independent mortgage companies closed 56.9 percent of home loans in Garden City, Missouri in 2025, banks 41.3 percent and credit unions 1.8 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, Sherwood Community Bank the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Missouri, Sherwood Community Bank led with 14 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 Garden City, MO
By home loans closed in 2025, Sherwood Community Bank was the largest mortgage lender in Garden City, Missouri with 14 loans, about 12.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Garden City, Missouri in 2025, led by Rocket Mortgage with 4. 7 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 24 banks and 4 credit unions closed home loans in Garden City, Missouri in 2025, alongside 26 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 Garden City, 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 Garden City, 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 Garden City. 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.
