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Mortgage Lenders and Brokers in Grain Valley, Missouri

Content reviewed by

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

Grain Valley, Missouri mortgage lenders include Flat Branch Mortgage, Inc.Flat Branch Mortgage, Inc.803 Wollard Blvd, Richmond, MO 64085A+5.0 ★Texas Ratio: 0.00%, Commerce BankCommerce Bank10185 Gravois Rd, Affton, MO 63123A+5.0 ★Texas Ratio: 0.89%, US Bank, N.A.US Bank, N.A.1543 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 2.85%, The Central Trust BankThe Central Trust Bank405 E Broadway, Ashland, MO 65010A+5.0 ★Texas Ratio: 3.12%, Bank of OdessaBank of Odessa201 E Front St, La Monte, MO 65337A5.0 ★Texas Ratio: 11.55%, Bank of America NABank of America NA1301 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 4.14%, Umb Bank NAUmb Bank NA827 Arnold Commons Drive, Arnold, MO 63010A+5.0 ★Texas Ratio: 1.78%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1314 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 3.68%, Arvest BankArvest Bank607 Highway 71 North, Anderson, MO 64831A5.0 ★Texas Ratio: 7.48%, and First BankFirst Bank2255 Michigan Ave, Arnold, MO 63010A+5.0 ★Texas Ratio: 2.49%. 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 Grain Valley, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Grain Valley 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 Grain Valley, Missouri

Market share is the lender's share of all home loans closed in Grain Valley, 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	28	6.3%	100%	$331,785	View
Commerce Bank 10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89%	Conventional, FHA, HELOC	12 +9 HELOCs	2.7%	85.7%	$123,333	View
US Bank, N.A. 1543 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	9 +5 HELOCs	2%	90%	$93,888	View
The Central Trust Bank 405 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 3.12%	Conventional, FHA, HELOC	8 +7 HELOCs	1.8%	100%	$258,750	View
Bank of Odessa 201 E Front St, La Monte, MO 65337 A5.0 ★Texas Ratio: 11.55%	Conventional, Jumbo	7	1.6%	87.5%	$309,285	View
Bank of America NA 1301 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	6 +3 HELOCs	1.4%	100%	$188,333	View
Umb Bank NA 827 Arnold Commons Drive, Arnold, MO 63010 A+5.0 ★Texas Ratio: 1.78%	Conventional, HELOC	6 +3 HELOCs	1.4%	85.7%	$163,333	View
JPMorgan Chase Bank, NA 1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68%	Conventional	5	1.1%	100%	$269,000	View
Arvest Bank 607 Highway 71 North, Anderson, MO 64831 A5.0 ★Texas Ratio: 7.48%	Conventional, FHA, HELOC	3 +3 HELOCs	0.7%	60%	$275,000	View
First Bank 2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49%	Conventional	3	0.7%	100%	$258,333	View
First Federal Bank of Kansas City 3500 S Noland Rd, Independence, MO 64055 A+5.0 ★Texas Ratio: 3.50%	Conventional, HELOC	2 +2 HELOCs	0.5%	100%	$340,000	View
F & C Bank 1006 Eagle Crest Dr, Holden, MO 64040 A+5.0 ★Texas Ratio: 3.13%	Conventional	2	0.5%	100%	$185,000	View
Equity Bank 651 Ne Coronado Dr, Blue Springs, MO 64014 A5.0 ★Texas Ratio: 6.60%	Conventional, HELOC	1 +3 HELOCs	0.2%	100%	$255,000	View
Bokf NA 125 Southwest Blvd, Kansas City, MO 64108 A+5.0 ★Texas Ratio: 1.05%	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$655,000	View
Preferred Bank 28638 Highway 11, Brookfield, MO 64628 C2.4 ★Texas Ratio: 1.88%	Conventional	1	0.2%	100%	$175,000	View
Nbkc Bank 8320 Ward Pkwy, Kansas City, MO 64114	FHA	1	0.2%	25%	$305,000
Bison State Bank 9201 Ward Pkwy, Kansas City, MO 64114 A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.2%	100%	$205,000	View
State Bank of Missouri 1301 Sw Eagles Pkwy, Grain Valley, MO 64029 A5.0 ★Texas Ratio: 13.33%	Conventional	1	0.2%	100%	$145,000	View
Public Safety Credit Union 20130 E Valley View Pkwy, Independence, MO 64057 1590 A+5.0 ★Texas Ratio: 2.02%	Conventional	1	0.2%	100%	$255,000	View
Academy Bank, N.A. 600 Ne Coronado Dr, Blue Springs, MO 64014 A+5.0 ★Texas Ratio: 5.08%	Conventional	1	0.2%	100%	$325,000	View
Together Credit Union 1334 Jeffco Blvd, Arnold, MO 63010 2157 A+5.0 ★Texas Ratio: 4.25%	Conventional	1	0.2%	100%	$555,000	View
Wells Fargo Bank NA 1 N Jefferson Ave, Saint Louis, MO 63103 A+5.0 ★Texas Ratio: 5.36%	Conventional	1	0.2%	100%	$315,000	View
Security Bank of Kansas City 5959 Ne Antioch Rd, Gladstone, MO 64119 A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0.2%	100%	$265,000	View
Pinnacle Bank 1316 E 32nd St, Joplin, MO 64804 A+5.0 ★Texas Ratio: 1.45%	Conventional	1	0.2%	100%	$255,000	View
OakStar Bank ★ 5 stars, 1 review 340 S Springfield Ave, Bolivar, MO 65613 A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.2%	100%	$235,000	View
BMO Harris Bank NA 1060 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +2 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 +2 HELOCs	0%	n/a		View
Capitol Federal Savings Bank 4242 Main St, Kansas City, MO 64111 A+5.0 ★Texas Ratio: 5.21%	HELOC	0 +1 HELOCs	0%	n/a		View
First Interstate Bank ★ 1 stars, 1 review 224 W Wood St, Albany, MO 64402 A+5.0 ★Texas Ratio: 4.72%	HELOC	0 +1 HELOCs	0%	n/a		View
NBH Bank 1100 NW Outer Road, Blue Springs, MO 64015 A+5.0 ★Texas Ratio: 2.90%	HELOC	0 +1 HELOCs	0%	0%		View
Community Mortgage, LLC	Conventional, FHA, VA	16	3.6%	94.1%	$260,625
Mortgage Research Center	VA	9	2%	75%	$346,111
Jlb Corporation dba Golden Oak Lending	Conventional, FHA	4	0.9%	100%	$315,000
Endeavor Capital, LLC	Conventional, FHA	4	0.9%	100%	$225,000
First State Bank of St Charles	Conventional	3	0.7%	100%	$401,666
Mid-Continent Funding, Inc.	VA	1	0.2%	100%	$125,000
Mece Credit Union A+5.0 ★Texas Ratio: 0.67%	Conventional	1	0.2%	100%	$295,000	View
Rocket Mortgage A5.0 ★Texas Ratio: 7.45%	Conventional, FHA, VA	30	6.8%	82.1%	$188,333	View
Communityamerica Federal Credit Union	Conventional, FHA, VA, HELOC	29 +44 HELOCs	6.5%	93.5%	$302,931
Leaderone Financial Corp.	Conventional, FHA, VA	23	5.2%	95.8%	$287,173
United Wholesale Mortgage	Conventional, FHA, VA	20	4.5%	90.9%	$303,500
Freedom Mortgage Corporation	Conventional, FHA, VA	14	3.2%	100%	$314,285
Guild Mortgage Company	Conventional, FHA	14	3.2%	82.4%	$267,857
Primelending	Conventional, FHA, VA	13	2.9%	92.9%	$325,000
Pennymac Loan Services LLC	Conventional, FHA, VA	13	2.9%	87.5%	$248,076
Fairway Independent Mort Corp	Conventional, FHA, VA	11	2.5%	91.7%	$310,454
Prosperity Home Mortgage, LLC	Conventional, FHA	9	2%	100%	$233,888
Union Home Mortgage Corp.	Conventional, VA	5	1.1%	100%	$307,000
Mazuma Credit Union A5.0 ★Texas Ratio: 8.70%	Conventional, HELOC	4 +5 HELOCs	0.9%	100%	$255,000	View
Premier Mortgage Resources, LLC	Conventional, FHA	4	0.9%	100%	$250,000
Lakeview Loan Servicing, LLC	FHA, VA	4	0.9%	85.7%	$332,500
Newrez LLC	Conventional, FHA	4	0.9%	50%	$252,500
CrossCountry Mortgage, LLC	Conventional, FHA	4	0.9%	100%	$500,000
loanDepot.com LLC	Conventional, FHA	4	0.9%	80%	$180,000
Cardinal Financial Company, Li	Conventional, FHA	4	0.9%	100%	$187,500
Geneva Financial LLC	Conventional, FHA	4	0.9%	100%	$232,500
Nationstar Mortgage	Conventional, FHA	4	0.9%	100%	$112,500
New American Funding, LLC.	Conventional, FHA	4	0.9%	80%	$230,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, HELOC	3 +3 HELOCs	0.7%	75%	$161,666
M Squared Financial LLC	Conventional	3	0.7%	100%	$411,666
Sun West Mortgage Company, Inc	Conventional, FHA	3	0.7%	100%	$211,666
Carrington Mortgage Services LLC	Conventional, VA	3	0.7%	100%	$201,666
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	3	0.7%	100%	$361,666	View
Spring Eq, LLC	Conventional, HELOC	2 +2 HELOCs	0.5%	50%	$30,000
Guaranteed Rate, Inc.	Conventional	2	0.5%	66.7%	$380,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	2	0.5%	100%	$465,000	View
Equity Prime Mortgage LLC	FHA	2	0.5%	100%	$220,000
AmeriHome Mortgage Company, LLC	FHA	2	0.5%	100%	$365,000
PHH Mortgage Corporation	Conventional, VA	2	0.5%	100%	$375,000
Synergy One Lending, Inc.	Conventional	2	0.5%	100%	$140,000
American Financial Network, Inc.	VA	2	0.5%	100%	$320,000
Discover Bank	Conventional	2	0.5%	40%	$145,000
Provident Funding Associates	Conventional	2	0.5%	100%	$325,000
Waterstone Mortgage Corporation A+5.0 ★Texas Ratio: 2.07%	FHA, VA	2	0.5%	100%	$335,000	View
American Pacific Mortgage Corporation	Conventional, FHA	2	0.5%	100%	$275,000
Megastar Finanacial Corp	Conventional, VA	2	0.5%	100%	$330,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, VA	2	0.5%	100%	$390,000	View
Summit Funding.Inc	Conventional	2	0.5%	100%	$320,000
Zillow Home Loans, LLC	Conventional, FHA	2	0.5%	100%	$270,000
Mutual of Omaha Mortgage	Conventional, FHA	2	0.5%	100%	$305,000
The Loan Store, Inc	Conventional	2	0.5%	100%	$260,000
Plaza Home Mortgage, Inc	Conventional	2	0.5%	100%	$290,000
Amerisave Mortgage Company	Conventional, HELOC	1 +1 HELOCs	0.2%	33.3%	$85,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$45,000	View
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	VA	1	0.2%	100%	$325,000	View
American Airlines Federal Cred	Conventional	1	0.2%	100%	$135,000
American Financial Resources LLC	Conventional	1	0.2%	100%	$145,000
Mortgage Investment Services Corporation	Conventional	1	0.2%	100%	$435,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	FHA	1	0.2%	100%	$295,000	View
Servion	Conventional	1	0.2%	100%	$225,000
Everett Financial, Inc.	Conventional	1	0.2%	100%	$405,000
Kind Lending, LLC	VA	1	0.2%	100%	$275,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.2%	50%	$245,000	View
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.2%	100%	$265,000	View
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0.2%	100%	$265,000	View
Bell Bank A+5.0 ★Texas Ratio: 3.66%	FHA	1	0.2%	100%	$285,000	View
Bayshore Mortgage Funding	FHA	1	0.2%	100%	$295,000
American Financing Corporation	Conventional	1	0.2%	50%	$255,000
Midwest Mortgage Associates Corp	FHA	1	0.2%	100%	$395,000
First Colony Mortgage Corporat	Conventional	1	0.2%	100%	$345,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	FHA	1	0.2%	100%	$295,000	View
Planet Home Lending, LLC	VA	1	0.2%	100%	$275,000
Mainstreet Federal Credit Union	Conventional	1	0.2%	100%	$325,000
Outdoor Bank C-3.7 ★Texas Ratio: 30.67%	Conventional	1	0.2%	100%	$725,000	View
1St Midamerica Credit Union	Conventional	1	0.2%	100%	$75,000
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	FHA	1	0.2%	100%	$405,000	View
Lower, LLC	Conventional	1	0.2%	100%	$415,000
Gnbank, N.A. A+5.0 ★Texas Ratio: 0.84%	Conventional, Jumbo	1	0.2%	100%	$2,135,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.2%	100%	$475,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.2%	100%	$55,000	View
Figure Lending LLC	HELOC	0 +3 HELOCs	0%	n/a
CoreFirst Bank & Trust B+4.1 ★Texas Ratio: 2.49%	HELOC	0 +2 HELOCs	0%	n/a		View
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage A5.0 ★Texas Ratio: 6.08%	HELOC	0 +1 HELOCs	0%	n/a		View
Cmg Mortgage Inc	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a

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.

Grain Valley 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 Grain Valley, Missouri

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

Types of Mortgage Lenders in Grain Valley, MO

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

Mortgage companies and brokers 59 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 48 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 9 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 40 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 24 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 2 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MO 21 lenders headquartered in Missouri, the closest thing to a mortgage lender near you

Who Lends in Grain Valley, MO

Independent mortgage companies closed 65.1 percent of home loans in Grain Valley, Missouri in 2025, banks 25.5 percent and credit unions 9.5 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, Commerce Bank the largest bank and Public Safety Credit Union the largest credit union. Among lenders headquartered in Missouri, Flat Branch Mortgage, Inc. led with 28 loans.

65.1%

Mortgage companies

25.5%

Banks

9.5%

Credit unions

20%

FHA loans

12%

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 Columbia 199 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

Frequently Asked Questions About Mortgage Lenders in Grain Valley, MO

Who is the largest mortgage lender in Grain Valley, MO?

By home loans closed in 2025, Flat Branch Mortgage, Inc. was the largest mortgage lender in Grain Valley, Missouri with 28 loans, about 6.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

40 lenders closed FHA loans in Grain Valley, Missouri in 2025, led by Freedom Mortgage Corporation with 8. 24 lenders closed VA loans, led by Mortgage Research Center. 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 Grain Valley, MO lender list?

Yes. 48 banks and 9 credit unions closed home loans in Grain Valley, Missouri in 2025, alongside 59 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 Grain Valley, MO ranked on this page?

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