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Mortgage Lenders and Brokers in Independence, Missouri

Content reviewed by

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

Independence, Missouri mortgage lenders include Commerce BankCommerce Bank17601 East 24 Highway, Independence, MO 64056A+5.0 ★Texas Ratio: 0.89%, Arvest BankArvest Bank4340 S Noland Rd, Independence, MO 64055A5.0 ★Texas Ratio: 7.48%, US Bank, N.A.US Bank, N.A.110 E Us Highway 24, Independence, MO 64050A+5.0 ★Texas Ratio: 2.85%, The Central Trust BankThe Central Trust Bank4315 S Noland Rd, Independence, MO 64055A+5.0 ★Texas Ratio: 3.12%, Umb Bank NAUmb Bank NA13813 E 39th St S, Independence, MO 64055A+5.0 ★Texas Ratio: 1.78%, Bank of America NABank of America NA17410 East 24 Highway, Independence, MO 64056A+5.0 ★Texas Ratio: 4.14%, United Consumers Credit UnionUnited Consumers Credit Union1111 E 23rd St S, Independence, MO 64055A5.0 ★Texas Ratio: 6.33%, First Federal Bank of Kansas CityFirst Federal Bank of Kansas City3500 S Noland Rd, Independence, MO 64055A+5.0 ★Texas Ratio: 3.50%, NBH BankNBH Bank18301 E 40 Hwy, Independence, MO 64055A+5.0 ★Texas Ratio: 2.90%, and First National Bank of OmahaFirst National Bank of Omaha202 E North Ave, Belton, MO 64012A+5.0 ★Texas Ratio: 4.82%. 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 Independence, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Independence 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 Independence, Missouri

Market share is the lender's share of all home loans closed in Independence, 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
Commerce Bank 3 offices in Independence 17601 East 24 Highway, Independence, MO 64056 A+5.0 ★Texas Ratio: 0.89%	Conventional, FHA, HELOC	57 +28 HELOCs	2.5%	66.3%	$101,842	View
Arvest Bank 1 office in Independence 4340 S Noland Rd, Independence, MO 64055 A5.0 ★Texas Ratio: 7.48%	Conventional, FHA, VA, HELOC	36 +10 HELOCs	1.6%	85.7%	$176,388	View
US Bank, N.A. 3 offices in Independence 110 E Us Highway 24, Independence, MO 64050 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	27 +17 HELOCs	1.2%	52.9%	$120,925	View
The Central Trust Bank 2 offices in Independence 4315 S Noland Rd, Independence, MO 64055 A+5.0 ★Texas Ratio: 3.12%	Conventional, FHA, VA, Jumbo, HELOC	27 +13 HELOCs	1.2%	90%	$266,111	View
Umb Bank NA 3 offices in Independence 13813 E 39th St S, Independence, MO 64055 A+5.0 ★Texas Ratio: 1.78%	Conventional, FHA, HELOC	19 +14 HELOCs	0.8%	76.9%	$140,263	View
Bank of America NA 2 offices in Independence 17410 East 24 Highway, Independence, MO 64056 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	11 +19 HELOCs	0.5%	73.3%	$171,363	View
United Consumers Credit Union 1111 E 23rd St S, Independence, MO 64055 A5.0 ★Texas Ratio: 6.33%	Conventional	11	0.5%	68.8%	$139,545	View
First Federal Bank of Kansas City 1 office in Independence 3500 S Noland Rd, Independence, MO 64055 A+5.0 ★Texas Ratio: 3.50%	Conventional, HELOC	9 +6 HELOCs	0.4%	90%	$259,444	View
NBH Bank 1 office in Independence 18301 E 40 Hwy, Independence, MO 64055 A+5.0 ★Texas Ratio: 2.90%	Conventional, FHA, HELOC	8 +1 HELOCs	0.4%	75%	$162,500	View
First National Bank of Omaha 2 offices in Independence 202 E North Ave, Belton, MO 64012 A+5.0 ★Texas Ratio: 4.82%	Conventional, FHA, Jumbo, HELOC	8 +1 HELOCs	0.4%	100%	$311,250	View
North American Savings Bank 1 office in Independence 11400 E 23rd St S, Independence, MO 64052 A+5.0 ★Texas Ratio: 4.31%	Conventional, FHA	8	0.4%	100%	$196,250	View
JPMorgan Chase Bank, NA 1 office in Independence 17820 E 39th St S, Independence, MO 64055 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, HELOC	7 +1 HELOCs	0.3%	100%	$316,428	View
BMO Harris Bank NA 2 offices in Independence 4610 S Noland Rd, Independence, MO 64055 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	5 +10 HELOCs	0.2%	62.5%	$173,000	View
Hawthorn Bank 1 office in Independence 220 W White Oak St, Independence, MO 64050 A+5.0 ★Texas Ratio: 3.36%	Conventional, HELOC	5 +3 HELOCs	0.2%	100%	$189,000	View
Community Mortgage, LLC	Conventional, FHA, VA	85	3.8%	100%	$220,882
Flat Branch Mortgage, Inc. 803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	83	3.7%	98.9%	$206,084	View
Bank of Odessa 201 E Front St, La Monte, MO 65337 A5.0 ★Texas Ratio: 11.55%	Conventional, Jumbo	35	1.6%	97.2%	$167,000	View
Nbkc Bank 8320 Ward Pkwy, Kansas City, MO 64114	Conventional, FHA, VA	14	0.6%	93.3%	$192,857
Bokf NA 125 Southwest Blvd, Kansas City, MO 64108 A+5.0 ★Texas Ratio: 1.05%	Conventional, HELOC	7 +5 HELOCs	0.3%	100%	$170,714	View
Wells Fargo Bank NA 1 N Jefferson Ave, Saint Louis, MO 63103 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	7	0.3%	50%	$187,857	View
OakStar Bank ★ 5 stars, 1 review 340 S Springfield Ave, Bolivar, MO 65613 A+5.0 ★Texas Ratio: 3.21%	Conventional	5	0.2%	100%	$209,000	View
First Bank 2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49%	Conventional	4	0.2%	80%	$250,000	View
Paramount Bank 90 Village Square Shop Ctr, Hazelwood, MO 63042 A5.0 ★Texas Ratio: 8.70%	Conventional, FHA	4	0.2%	100%	$210,000	View
F & C Bank 1006 Eagle Crest Dr, Holden, MO 64040 A+5.0 ★Texas Ratio: 3.13%	Conventional	3	0.1%	100%	$185,000	View
The Nodaway Valley Bank 304 N Main St, Maryville, MO 64468 A+5.0 ★Texas Ratio: 0.00%	Conventional	3	0.1%	100%	$135,000	View
Equity Bank 651 Ne Coronado Dr, Blue Springs, MO 64014 A5.0 ★Texas Ratio: 6.60%	Conventional, HELOC	2 +5 HELOCs	0.1%	100%	$265,000	View
Capitol Federal Savings Bank 4242 Main St, Kansas City, MO 64111 A+5.0 ★Texas Ratio: 5.21%	Conventional	2	0.1%	100%	$210,000	View
Bank of Weston 6363 N Cosby Ave, Kansas City, MO 64151 A5.0 ★Texas Ratio: 8.19%	Conventional	2	0.1%	100%	$115,000	View
Verimore Bank 300 W Lockling St, Brookfield, MO 64628 A+5.0 ★Texas Ratio: 1.89%	Conventional	2	0.1%	100%	$115,000	View
Community National Bank & Trust 2813 The Loop, Carthage, MO 64836 A5.0 ★Texas Ratio: 6.38%	Conventional	2	0.1%	100%	$230,000	View
Wood & Huston Bank ★ 5 stars, 1 review 111 S Broadview St, Cape Girardeau, MO 63703 A+5.0 ★Texas Ratio: 1.77%	Conventional	2	0.1%	100%	$70,000	View
Armed Forces Bank, N.A. 484 Nebraska Avenue, Fort Leonard Wood, MO 65473 A+5.0 ★Texas Ratio: 4.81%	Conventional, VA	2	0.1%	100%	$210,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1532 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$55,000	View
Bank of Springfield 101 Laura K Dr, O Fallon, MO 63366 A5.0 ★Texas Ratio: 13.68%	Conventional	1	0%	100%	$275,000	View
Bison State Bank 9201 Ward Pkwy, Kansas City, MO 64114 A+5.0 ★Texas Ratio: 2.38%	FHA	1	0%	100%	$285,000	View
Great American Bank 3670 Broadway Blvd, Kansas City, MO 64111 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$235,000	View
Bank of Washington 7701 Forsyth Blvd, Clayton, MO 63105 D3.5 ★Texas Ratio: 33.34%	Conventional	1	0%	100%	$115,000	View
Peoples Savings Bank 901 Business Highway 61 N, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 2.68%	Conventional	1	0%	100%	$85,000	View
Central Missouri Community Credit Union 920 Stonner Loop, Richmond, MO 64085 A+5.0 ★Texas Ratio: 4.01%	Conventional	1	0%	100%	$85,000	View
State Bank of Missouri 114 South Country Road, Alma, MO 64001 A5.0 ★Texas Ratio: 13.33%	Conventional	1	0%	100%	$75,000	View
Connections Bank 301 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$95,000	View
Simmons Bank 1540 State Highway 248, Branson, MO 65616 A+5.0 ★Texas Ratio: 5.33%	Conventional	1	0%	100%	$275,000	View
Stifel Bank & Trust 501 N Broadway, Saint Louis, MO 63102 A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0%	100%	$295,000	View
The Maries County Bank 2nd And Pine Street, Argyle, MO 65001 A+5.0 ★Texas Ratio: 0.59%	Conventional	1	0%	100%	$205,000	View
Security Bank of Kansas City 5959 Ne Antioch Rd, Gladstone, MO 64119 A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0%	50%	$215,000	View
Southern Bank 310 N Ruth St, Advance, MO 63730 A5.0 ★Texas Ratio: 6.11%	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
Pinnacle Bank 1316 E 32nd St, Joplin, MO 64804 A+5.0 ★Texas Ratio: 1.45%	HELOC	0 +1 HELOCs	0%	n/a		View
Mortgage Research Center	Conventional, FHA, VA	41	1.8%	64.6%	$233,048
First State Bank of St Charles	Conventional, FHA, VA	29	1.3%	100%	$202,586
Endeavor Capital, LLC	Conventional, FHA, VA	19	0.8%	100%	$199,736
Jlb Corporation dba Golden Oak Lending	Conventional, FHA	8	0.4%	88.9%	$113,750
Gershman Investment Corp.	Conventional, FHA	5	0.2%	83.3%	$189,000
Das Acquisition Company, LLC	Conventional, FHA	4	0.2%	66.7%	$180,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	3	0.1%	100%	$191,666	View
R-G Fderal Credit Union	Conventional	1	0%	50%	$85,000
Kearney Trust Company	Conventional	1	0%	100%	$105,000
Concordia Bank A+5.0 ★Texas Ratio: 2.39%	Conventional	1	0%	100%	$325,000	View
FCS Financial FLCA	Conventional	1	0%	100%	$655,000
Rocket Mortgage A5.0 ★Texas Ratio: 7.45%	Conventional, FHA, VA	141	6.3%	82.8%	$152,446	View
Guild Mortgage Company	Conventional, FHA, VA	121	5.4%	95.3%	$154,338
Leaderone Financial Corp.	Conventional, FHA, VA	119	5.3%	90.8%	$174,747
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	109 +1 HELOCs	4.9%	85.2%	$216,559
Communityamerica Federal Credit Union	Conventional, FHA, VA, Jumbo, HELOC	102 +156 HELOCs	4.5%	92.7%	$210,196
Fairway Independent Mort Corp	Conventional, FHA, VA	93	4.1%	95%	$173,064
Primelending	Conventional, FHA, VA	92	4.1%	100%	$155,652
Freedom Mortgage Corporation	Conventional, FHA, VA	47	2.1%	92.9%	$216,063
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	44	2%	95.7%	$183,636
Pennymac Loan Services LLC	Conventional, FHA, VA	37	1.7%	82.6%	$200,945
Nationstar Mortgage	Conventional, FHA	36	1.6%	83.7%	$93,333
Summit Funding.Inc	Conventional, FHA, VA	31	1.4%	100%	$154,032
M Squared Financial LLC	Conventional, FHA, VA	30	1.3%	100%	$205,333
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	29 +2 HELOCs	1.3%	100%	$213,275
Waterstone Mortgage Corporation A+5.0 ★Texas Ratio: 2.07%	Conventional, FHA, VA	26	1.2%	100%	$158,461	View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	24 +1 HELOCs	1.1%	80.6%	$112,083
New American Funding, LLC.	Conventional, FHA, HELOC	20 +2 HELOCs	0.9%	76.9%	$162,000
Newrez LLC	Conventional, FHA, VA, Jumbo	19	0.8%	69%	$259,210
21St Mortgage	Conventional	17	0.8%	39.5%	$55,588
Envoy Mortgage, Ltd	Conventional, FHA, VA	16	0.7%	100%	$224,375
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	15 +6 HELOCs	0.7%	88.9%	$252,333
Everett Financial, Inc.	Conventional, FHA	15	0.7%	100%	$145,666
Mutual of Omaha Mortgage	Conventional, FHA, VA	15	0.7%	78.9%	$232,333
Megastar Finanacial Corp	Conventional, FHA, VA	14	0.6%	100%	$152,857
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA	13	0.6%	92.9%	$207,307	View
Click n' Close, Inc.	Conventional, FHA, VA	13	0.6%	100%	$183,461
Cardinal Financial Company, Li	Conventional, FHA, VA	13	0.6%	87.5%	$120,384
American Financial Resources LLC	Conventional, FHA, VA	12	0.5%	92.3%	$203,333
Amerisave Mortgage Company	Conventional, FHA	10	0.4%	28.6%	$109,000
Planet Home Lending, LLC	Conventional, FHA, VA	10	0.4%	90.9%	$181,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA, VA	10	0.4%	100%	$292,000	View
Spring Eq, LLC	Conventional, HELOC	9 +3 HELOCs	0.4%	52.6%	$63,888
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA	9	0.4%	90.9%	$211,666	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	9	0.4%	81.8%	$189,444	View
Lakeview Loan Servicing, LLC	Conventional, FHA	9	0.4%	52%	$123,888
Geneva Financial LLC	Conventional, FHA, VA	9	0.4%	100%	$165,000
1St Midamerica Credit Union	Conventional	9	0.4%	84.6%	$82,777
The Loan Store, Inc	Conventional, FHA	9	0.4%	100%	$200,555
Carrington Mortgage Services LLC	Conventional, FHA	9	0.4%	62.5%	$151,666
Village Capital & Investment	FHA, VA	9	0.4%	85.7%	$256,111
Guaranteed Rate, Inc.	Conventional, FHA, VA	8	0.4%	100%	$208,750
Sun West Mortgage Company, Inc	Conventional, FHA, VA	8	0.4%	88.9%	$147,500
Zippy Loans, LLC	Conventional	7	0.3%	70%	$93,571
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA, VA	7	0.3%	63.6%	$225,000	View
Goodleap, LLC	Conventional, FHA, VA, HELOC	6 +3 HELOCs	0.3%	75%	$155,000
Union Home Mortgage Corp.	Conventional, FHA, HELOC	6 +1 HELOCs	0.3%	85.7%	$175,000
Kind Lending, LLC	Conventional, FHA, VA	6	0.3%	75%	$220,000
Synergy One Lending, Inc.	Conventional, FHA	6	0.3%	100%	$175,000
Cornerstone Bank A+5.0 ★Texas Ratio: 0.47%	Conventional	6	0.3%	100%	$96,666	View
American Pacific Mortgage Corporation	Conventional, FHA	6	0.3%	100%	$235,000
Royal United Mortgage LLC	Conventional	5	0.2%	83.3%	$131,000
Stride Bank, National Association A5.0 ★Texas Ratio: 6.15%	Conventional, FHA, VA	5	0.2%	100%	$279,000	View
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA, VA	5	0.2%	100%	$139,000	View
American Financial Network, Inc.	Conventional, VA	5	0.2%	100%	$205,000
Cmg Mortgage Inc	Conventional, FHA	5	0.2%	100%	$139,000
Landmark National Bank A+5.0 ★Texas Ratio: 5.97%	Conventional	5	0.2%	100%	$207,000	View
New Day Financial, LLC.	VA	5	0.2%	62.5%	$213,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	5	0.2%	71.4%	$137,000	View
Plaza Home Mortgage, Inc	Conventional, FHA, VA	5	0.2%	83.3%	$245,000
Ark-La-Tex Financial Services LLC	Conventional, FHA	5	0.2%	83.3%	$217,000
Mazuma Credit Union A5.0 ★Texas Ratio: 8.70%	Conventional, HELOC	4 +4 HELOCs	0.2%	80%	$252,500	View
Premier Mortgage Resources, LLC	Conventional, FHA	4	0.2%	100%	$160,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional, VA	4	0.2%	100%	$280,000	View
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 1.51%	Conventional	4	0.2%	34.8%	$60,000	View
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, FHA	4	0.2%	100%	$207,500	View
Lower, LLC	Conventional, FHA, VA	4	0.2%	66.7%	$205,000
HomeBridge Financial Services, Inc A+5.0 ★Texas Ratio: 3.74%	FHA, VA, HELOC	3 +3 HELOCs	0.1%	80%	$211,666	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.1%	100%	$218,333	View
Primary Residential Mortgage, INC.	Conventional, FHA	3	0.1%	100%	$148,333
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.1%	100%	$171,666
Discover Bank	Conventional	3	0.1%	15%	$85,000
Zillow Home Loans, LLC	Conventional	3	0.1%	60%	$161,666
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	3	0.1%	75%	$231,666	View
Vanderbilt Mortgage and Finance, Inc	Conventional, VA	3	0.1%	37.5%	$208,333
Top Flite Financial, Inc.	Conventional, FHA	3	0.1%	100%	$138,333
Tammac Holdings Corporation	Conventional	3	0.1%	38.5%	$95,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.14%	Conventional, FHA	2	0.1%	100%	$215,000	View
MidFirst Bank A+5.0 ★Texas Ratio: 4.93%	FHA	2	0.1%	66.7%	$50,000	View
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	2	0.1%	100%	$130,000
Equity Prime Mortgage LLC	Conventional, FHA	2	0.1%	66.7%	$215,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	VA	2	0.1%	66.7%	$310,000	View
PHH Mortgage Corporation	Conventional	2	0.1%	66.7%	$200,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.1%	66.7%	$265,000	View
Churchill Mortgage Corporation	Conventional	2	0.1%	100%	$105,000
Provident Funding Associates	Conventional	2	0.1%	100%	$430,000
Community First National Bank A+5.0 ★Texas Ratio: 1.41%	Conventional, VA	2	0.1%	100%	$255,000	View
Towne Mortgage Company A-4.9 ★Texas Ratio: 16.23%	FHA	2	0.1%	100%	$195,000	View
Better Mortgage Corporation A-5.0 ★Texas Ratio: 14.33%	Conventional, FHA	2	0.1%	100%	$135,000	View
Mortgage Solutions of Colorado	VA	2	0.1%	100%	$215,000
Paramount Residential Mortgage	Conventional, FHA	2	0.1%	100%	$90,000
Mission Loans, LLC	FHA, HELOC	1 +2 HELOCs	0%	100%	$95,000
Panorama Mortgage Group, LLC	FHA	1	0%	100%	$255,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0%	100%	$185,000	View
Cornerstone First Mortgage, LLC	VA	1	0%	100%	$335,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0%	100%	$535,000	View
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	FHA	1	0%	100%	$135,000	View
Fidelity Bank A5.0 ★Texas Ratio: 12.33%	Conventional	1	0%	100%	$155,000	View
Canopy Mortgage, LLC	Conventional	1	0%	100%	$155,000
Farmers Insurance Federal Credit Union	Conventional	1	0%	50%	$85,000
Liberty Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	FHA	1	0%	100%	$345,000	View
Heritage Bank C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0%	100%	$145,000	View
United Trust Bank	VA	1	0%	100%	$365,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0%	100%	$205,000	View
Midstates Bank NA A+5.0 ★Texas Ratio: 1.89%	Conventional	1	0%	100%	$135,000	View
Mid American Credit Union A+5.0 ★Texas Ratio: 5.45%	Conventional	1	0%	100%	$55,000	View
Bayshore Mortgage Funding	FHA	1	0%	100%	$185,000
Truity Federal Credit Union ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0%	100%	$235,000	View
Connexus Credit Union	Conventional	1	0%	50%	$45,000
First Federal Savings and Loan A5.0 ★Texas Ratio: 8.33%	Conventional	1	0%	50%	$185,000	View
American Financing Corporation	Conventional	1	0%	50%	$225,000
Pivot Financial Partners, Inc	FHA	1	0%	100%	$285,000
Bay Equity LLC	Conventional	1	0%	100%	$255,000
Midwest Mortgage Associates Corp	FHA	1	0%	100%	$375,000
FedChoice Federal Credit Union	Conventional	1	0%	100%	$85,000
Nfm, Inc	Conventional	1	0%	100%	$125,000
Frontier Community Credit Unio	Conventional	1	0%	100%	$125,000
Servis One, Inc	Conventional	1	0%	100%	$225,000
Transportation Federal Credit Union	Conventional	1	0%	100%	$45,000
T2 Financial LLC	VA	1	0%	100%	$265,000
Hometown Equity Mortgage, LLC	Conventional	1	0%	50%	$135,000
Lendsure Mortgage Corp.	Conventional	1	0%	100%	$235,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	FHA	1	0%	100%	$295,000	View
Empeople Credit Union	Conventional	1	0%	100%	$105,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0%	50%	$115,000	View
Citadel Servicing Corporation	Conventional	1	0%	75%	$245,000
Midwest Bank A+5.0 ★Texas Ratio: 2.27%	Conventional	1	0%	100%	$255,000	View
Sunflower Bank, N.A. A5.0 ★Texas Ratio: 10.77%	FHA	1	0%	100%	$185,000	View
Silver Lake Bank	Conventional	1	0%	100%	$105,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0%	100%	$245,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0%	100%	$185,000	View
Ohnward Bank and Trust	Conventional	1	0%	100%	$215,000
Cake Mortgage Corp.	Conventional	1	0%	100%	$95,000
Figure Lending LLC	HELOC	0 +14 HELOCs	0%	n/a
Valon Mortgage A5.0 ★Texas Ratio: 6.08%	HELOC	0 +3 HELOCs	0%	n/a		View
Liberty Federal Credit Union ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	HELOC	0 +1 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lafayette Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Wings Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +1 HELOCs	0%	n/a		View
CoreFirst Bank & Trust B+4.1 ★Texas Ratio: 2.49%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

Independence 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 Independence, Missouri

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

Types of Mortgage Lenders in Independence, MO

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

Mortgage companies and brokers 94 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 86 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 21 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 91 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 61 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 5 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MO 37 lenders headquartered in Missouri, the closest thing to a mortgage lender near you

Who Lends in Independence, MO

Independent mortgage companies closed 66.7 percent of home loans in Independence, Missouri in 2025, banks 26.4 percent and credit unions 6.8 percent. Community Mortgage, LLC was the largest mortgage company, Commerce Bank the largest bank and United Consumers Credit Union the largest credit union. Among lenders headquartered in Missouri, Commerce Bank led with 57 loans.

66.7%

Mortgage companies

26.4%

Banks

6.8%

Credit unions

27%

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 Columbia 199 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 Independence, MO

Who is the largest mortgage lender in Independence, MO?

By home loans closed in 2025, Commerce Bank was the largest mortgage lender in Independence, Missouri with 57 loans, about 2.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Independence, Missouri, Community Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 84.3 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 Independence, MO mortgage lenders offer FHA, VA and USDA loans?

91 lenders closed FHA loans in Independence, Missouri in 2025, led by Guild Mortgage Company with 44. 61 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 Independence, MO lender list?

Yes. 86 banks and 21 credit unions closed home loans in Independence, Missouri in 2025, alongside 94 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 Independence, MO ranked on this page?

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