Mortgage Lenders and Brokers in Lake St. Louis, 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
Lake St. Louis, Missouri mortgage lenders include Flat Branch Mortgage, Inc.Flat Branch Mortgage, Inc.803 Wollard Blvd, Richmond, MO 64085A+5.0 ★Texas Ratio: 0.00%, US Bank, N.A.US Bank, N.A.1543 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 2.85%, First Community Credit UnionFirst Community Credit Union1722 Missouri State Rd, Arnold, MO 63010 2006A+5.0 ★Texas Ratio: 3.75%, Stifel Bank & TrustStifel Bank & Trust501 N Broadway, Saint Louis, MO 63102A-4.8 ★Texas Ratio: 12.33%, The Bank of Old MonroeThe Bank of Old Monroe#10 Freise Industrial Drive, Moscow Mills, MO 63362A+5.0 ★Texas Ratio: 0.03%, Regions BankRegions Bank2582 Lemay Ferry Rd, Affton, MO 63125A+5.0 ★Texas Ratio: 4.37%, Vantage Credit UnionVantage Credit Union11915 Saint Charles Rock Rd, Bridgeton, MO 63044A+5.0 ★Texas Ratio: 4.97%, The Central Trust BankThe Central Trust Bank405 E Broadway, Ashland, MO 65010A+5.0 ★Texas Ratio: 3.12%, West Community Credit UnionWest Community Credit Union308 S 9th St Ste 114, Columbia, MO 65201 5161A5.0 ★Texas Ratio: 12.18%, 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 Lake St. Louis, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lake St. Louis 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 Lake St. Louis, Missouri
Market share is the lender's share of all home loans closed in Lake St. Louis, 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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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA | 26 | 6.4% | 100% | $336,538 | View |
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1543 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 16 +6 HELOCs |
3.9% | 72.7% | $217,500 | View |
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1722 Missouri State Rd, Arnold, MO 63010 2006 A+5.0 ★Texas Ratio: 3.75% |
Conventional, Jumbo, HELOC | 12 +26 HELOCs |
3% | 85.7% | $281,666 | View |
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501 N Broadway, Saint Louis, MO 63102 A-4.8 ★Texas Ratio: 12.33% |
Conventional, FHA, Jumbo | 12 | 3% | 100% | $412,500 | View |
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#10 Freise Industrial Drive, Moscow Mills, MO 63362 A+5.0 ★Texas Ratio: 0.03% |
Conventional | 9 | 2.2% | 100% | $338,333 | View |
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2582 Lemay Ferry Rd, Affton, MO 63125 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 6 +3 HELOCs |
1.5% | 87.5% | $200,000 | View |
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11915 Saint Charles Rock Rd, Bridgeton, MO 63044 A+5.0 ★Texas Ratio: 4.97% |
Conventional, HELOC | 6 +3 HELOCs |
1.5% | 85.7% | $176,666 | View |
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405 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 3.12% |
Conventional, HELOC | 6 +1 HELOCs |
1.5% | 100% | $403,333 | View |
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308 S 9th St Ste 114, Columbia, MO 65201 5161 A5.0 ★Texas Ratio: 12.18% |
Conventional, HELOC | 4 +15 HELOCs |
1% | 100% | $395,000 | View |
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2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49% |
Conventional, VA, HELOC | 4 +3 HELOCs |
1% | 100% | $380,000 | View |
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109 East St, Clarence, MO 63437 A5.0 ★Texas Ratio: 7.12% |
Conventional | 4 | 1% | 66.7% | $85,000 | View |
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1 N Jefferson Ave, Saint Louis, MO 63103 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 1% | 100% | $302,500 | View |
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1925 Richardson Rd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.58% |
Conventional | 3 | 0.7% | 75% | $398,333 | View |
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1334 Jeffco Blvd, Arnold, MO 63010 2157 A+5.0 ★Texas Ratio: 4.25% |
Conventional, HELOC | 2 +5 HELOCs |
0.5% | 66.7% | $510,000 | View |
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10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89% |
Conventional, Jumbo, HELOC | 2 +4 HELOCs |
0.5% | 66.7% | $510,000 | View |
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★ 1.7 stars, 3 reviews 1532 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +1 HELOCs |
0.5% | 100% | $370,000 | View |
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169 Long Rd, Chesterfield, MO 63005 A+5.0 ★Texas Ratio: 1.91% |
Conventional | 2 | 0.5% | 100% | $210,000 | View |
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700 Business Highway 61 N, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 0.35% |
Conventional | 2 | 0.5% | 100% | $200,000 | View |
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217 N Kingshighway St, Cape Girardeau, MO 63701 A+5.0 ★Texas Ratio: 3.14% |
Conventional | 2 | 0.5% | 66.7% | $80,000 | View |
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74 Rue Terre Bonne, Bonne Terre, MO 63628 A5.0 ★Texas Ratio: 6.95% |
Conventional | 2 | 0.5% | 100% | $240,000 | View |
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1301 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 1 +5 HELOCs |
0.2% | 100% | $865,000 | View |
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1540 State Highway 248, Branson, MO 65616 A+5.0 ★Texas Ratio: 5.33% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $205,000 | View |
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101 Laura K Dr, O Fallon, MO 63366 A5.0 ★Texas Ratio: 13.68% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
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1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 50% | $165,000 | View |
Nbkc Bank
8320 Ward Pkwy, Kansas City, MO 64114 |
Conventional | 1 | 0.2% | 100% | $315,000 | |
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400 E Broadway, Ashland, MO 65010 |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
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11965 Saint Charles Rock Rd, Bridgeton, MO 63044 B+4.8 ★Texas Ratio: 17.59% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
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12452 Olive Blvd, Creve Coeur, MO 63141 A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.2% | 100% | $135,000 | View |
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6800 S Rock Hill Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 1.55% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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3240 N Highway 67, Florissant, MO 63033 A-4.9 ★Texas Ratio: 16.06% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
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90 Village Square Shop Ctr, Hazelwood, MO 63042 A5.0 ★Texas Ratio: 8.70% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
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101 South Main St, Chamois, MO 65024 B4.5 ★Texas Ratio: 21.03% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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106 N Business Hwy 61, Bowling Green, MO 63334 A-5.0 ★Texas Ratio: 14.19% |
Conventional | 1 | 0.2% | 100% | $555,000 | View |
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2500 Range Line St, Columbia, MO 65202 A+5.0 ★Texas Ratio: 0.69% |
Conventional | 1 | 0.2% | 100% | $365,000 | View |
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7700 Bonhomme Ave, Clayton, MO 63105 A+5.0 ★Texas Ratio: 3.88% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1060 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.54% |
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 | |
First State Bank of St Charles
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Conventional | 11 | 2.7% | 100% | $429,545 | |
Das Acquisition Company, LLC
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Conventional | 9 | 2.2% | 100% | $341,666 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional, VA, Jumbo | 8 | 2% | 100% | $366,250 | View |
Jlb Corporation dba Golden Oak Lending
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Conventional, FHA | 5 | 1.2% | 83.3% | $215,000 | |
Mortgage Research Center
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Conventional, VA | 5 | 1.2% | 55.6% | $393,000 | |
Endeavor Capital, LLC
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Conventional, FHA | 4 | 1% | 100% | $407,500 | |
Gershman Investment Corp.
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Conventional, FHA | 4 | 1% | 100% | $332,500 | |
Homekey Mortgage, LLC
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Conventional | 3 | 0.7% | 100% | $358,333 | |
Access Capital Funding LLC
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Conventional, VA | 3 | 0.7% | 100% | $468,333 | |
US Wide Financial LLC
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Conventional | 2 | 0.5% | 100% | $265,000 | |
Gateway Metro Federal Credit U
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Conventional | 2 | 0.5% | 100% | $185,000 | |
Family Finance Mortgage LLC
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VA | 1 | 0.2% | 100% | $215,000 | |
Mortgage Solutions, LLC
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Conventional | 1 | 0.2% | 50% | $155,000 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional, FHA, VA | 26 | 6.4% | 87.9% | $228,461 | View |
Guild Mortgage Company
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Conventional, FHA, VA | 23 | 5.7% | 100% | $289,347 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 19 +2 HELOCs |
4.7% | 79.2% | $347,105 | |
New American Funding, LLC.
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Conventional | 18 | 4.4% | 90% | $332,222 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 8 | 2% | 100% | $477,500 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 7 | 1.7% | 84.6% | $409,285 | |
Nations Lending Corporation
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Conventional | 7 | 1.7% | 77.8% | $382,142 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo | 6 | 1.5% | 100% | $471,666 | |
Nationstar Mortgage
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Conventional, FHA | 5 | 1.2% | 83.3% | $189,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 5 | 1.2% | 100% | $267,000 | View |
Amerisave Mortgage Company
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Conventional, VA | 4 | 1% | 66.7% | $287,500 | |
Geneva Financial LLC
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Conventional, FHA, VA | 4 | 1% | 100% | $347,500 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 4 | 1% | 100% | $462,500 | |
Everett Financial, Inc.
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Conventional, FHA, Jumbo | 3 | 0.7% | 100% | $595,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 3 | 0.7% | 75% | $518,333 | View |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 3 | 0.7% | 100% | $221,666 | |
Discover Bank
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Conventional | 3 | 0.7% | 42.9% | $75,000 | |
Fairway Independent Mort Corp
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Conventional | 3 | 0.7% | 100% | $431,666 | |
Leaderone Financial Corp.
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Conventional, VA | 3 | 0.7% | 100% | $328,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 50% | $320,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.5% | 100% | $410,000 | |
Newrez LLC
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Conventional | 2 | 0.5% | 40% | $240,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 2 | 0.5% | 100% | $715,000 | View |
Amerant Mortgage LLC
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Conventional | 2 | 0.5% | 100% | $410,000 | |
Pennymac Loan Services LLC
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FHA, VA | 2 | 0.5% | 50% | $280,000 | |
Sun West Mortgage Company, Inc
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FHA, VA | 2 | 0.5% | 100% | $305,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.5% | 100% | $400,000 | |
Planet Home Lending, LLC
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FHA, VA | 2 | 0.5% | 100% | $490,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +4 HELOCs |
0.2% | 50% | $25,000 | |
Goodleap, LLC
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FHA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $235,000 | |
Tower Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $555,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.2% | 100% | $1,805,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $235,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.2% | 100% | $505,000 | View |
Primelending
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.2% | 100% | $205,000 | |
loanDepot.com LLC
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VA | 1 | 0.2% | 50% | $255,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.2% | 100% | $465,000 | View |
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A+5.0 ★Texas Ratio: 3.74% |
FHA | 1 | 0.2% | 100% | $515,000 | View |
Thompson Kane & Company, Inc
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Conventional | 1 | 0.2% | 100% | $445,000 | |
Scott Credit Union
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Iaa Credit Union
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Conventional | 1 | 0.2% | 100% | $155,000 | |
Citizens Equity First Credit U
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Conventional | 1 | 0.2% | 100% | $345,000 | |
American Financing Corporation
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Conventional | 1 | 0.2% | 50% | $85,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 0.2% | 100% | $355,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 33.3% | $355,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
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A+5.0 ★Texas Ratio: 2.07% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.2% | 100% | $35,000 | |
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A-4.9 ★Texas Ratio: 16.23% |
FHA | 1 | 0.2% | 100% | $315,000 | View |
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A-5.0 ★Texas Ratio: 14.33% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
The Loan Store, Inc
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Conventional | 1 | 0.2% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.2% | 50% | $115,000 | View |
Lower, LLC
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FHA | 1 | 0.2% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 11.97% |
Conventional | 1 | 0.2% | 100% | $455,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
Stanford Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $465,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $395,000 | View |
Vanderbilt Mortgage and Finance, Inc
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FHA | 1 | 0.2% | 100% | $475,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $415,000 | View |
Top Flite Financial, Inc.
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FHA | 1 | 0.2% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.2% | 100% | $585,000 | View |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.90% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Lake St. Louis 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 Lake St. Louis, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in Lake St. Louis? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lake St. Louis in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lake St. Louis, MO
Use these to narrow the list above. Each category shows how many Lake St. Louis, MO lenders fit and what that kind of lender is usually best for.
Who Lends in Lake St. Louis, MO
Independent mortgage companies closed 59.9 percent of home loans in Lake St. Louis, Missouri in 2025, banks 29.6 percent and credit unions 10.6 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and First Community Credit Union the largest credit union. Among lenders headquartered in Missouri, Flat Branch Mortgage, Inc. led with 26 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 Lake St. Louis, MO
By home loans closed in 2025, Flat Branch Mortgage, Inc. was the largest mortgage lender in Lake St. Louis, Missouri with 26 loans, about 6.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
27 lenders closed FHA loans in Lake St. Louis, Missouri in 2025, led by Guild Mortgage Company with 4. 21 lenders closed VA loans, led by Freedom Mortgage Corporation, and 1 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. 47 banks and 19 credit unions closed home loans in Lake St. Louis, Missouri in 2025, alongside 52 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 Lake St. Louis, 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 Lake St. Louis, 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 Lake St. Louis. 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.
