Mortgage Lenders and Brokers in Lake Timberline, 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 Timberline, Missouri mortgage lenders include First State Community BankFirst State Community Bank74 Rue Terre Bonne, Bonne Terre, MO 63628A5.0 ★Texas Ratio: 6.95%, Unico BankUnico Bank1001 Cedar St, Bismarck, MO 63624B-4.4 ★Texas Ratio: 22.75%, Flat Branch Mortgage, Inc.Flat Branch Mortgage, Inc.803 Wollard Blvd, Richmond, MO 64085A+5.0 ★Texas Ratio: 0.00%, Midland States BankMidland States Bank1920 Richardson Rd, Arnold, MO 63010A5.0 ★Texas Ratio: 9.50%, Commerce BankCommerce Bank10185 Gravois Rd, Affton, MO 63123A+5.0 ★Texas Ratio: 0.89%, Ozarks Federal Savings and LoanOzarks Federal Savings and LoanFarmington, MO, Das Acquisition Company, LLCDas Acquisition Company, LLCSaint Louis, MO, Jlb Corporation dba Golden Oak LendingJlb Corporation dba Golden Oak LendingSt. Louis, MO, Mortgage Research CenterMortgage Research CenterColumbia, MO, and Gershman Investment Corp.Gershman Investment Corp.Chesterfield, MO. 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 Timberline, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lake Timberline 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 Timberline, Missouri
Market share is the lender's share of all home loans closed in Lake Timberline, 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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74 Rue Terre Bonne, Bonne Terre, MO 63628 A5.0 ★Texas Ratio: 6.95% |
Conventional, HELOC | 4 +2 HELOCs |
12.9% | 100% | $227,500 | View |
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1001 Cedar St, Bismarck, MO 63624 B-4.4 ★Texas Ratio: 22.75% |
Conventional | 1 | 3.2% | 100% | $155,000 | View |
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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
FHA | 1 | 3.2% | 100% | $185,000 | View |
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1920 Richardson Rd, Arnold, MO 63010 A5.0 ★Texas Ratio: 9.50% |
Conventional | 1 | 3.2% | 100% | $215,000 | View |
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10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Ozarks Federal Savings and Loan
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Conventional | 4 | 12.9% | 71.4% | $82,500 | |
Das Acquisition Company, LLC
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Conventional | 3 | 9.7% | 100% | $178,333 | |
Jlb Corporation dba Golden Oak Lending
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Conventional, FHA | 2 | 6.5% | 100% | $305,000 | |
Mortgage Research Center
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VA | 1 | 3.2% | 100% | $325,000 | |
Gershman Investment Corp.
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VA | 1 | 3.2% | 100% | $235,000 | |
21St Mortgage
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Conventional | 3 | 9.7% | 50% | $138,333 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional, VA | 2 | 6.5% | 60% | $280,000 | View |
Scott Credit Union
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Conventional | 2 | 6.5% | 100% | $140,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 3.2% | 100% | $125,000 | |
Guild Mortgage Company
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VA | 1 | 3.2% | 100% | $205,000 | |
Bayshore Mortgage Funding
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FHA | 1 | 3.2% | 100% | $315,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 3.2% | 100% | $325,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 3.2% | 100% | $345,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 3.2% | 100% | $165,000 |
Lake Timberline 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 Timberline, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in Lake Timberline? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lake Timberline in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lake Timberline, MO
Use these to narrow the list above. Each category shows how many Lake Timberline, MO lenders fit and what that kind of lender is usually best for.
Who Lends in Lake Timberline, MO
Independent mortgage companies closed 58.1 percent of home loans in Lake Timberline, Missouri in 2025, banks 32.3 percent and credit unions 9.7 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, First State Community Bank the largest bank and Scott Credit Union the largest credit union. Among lenders headquartered in Missouri, First State Community Bank led with 4 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 Timberline, MO
By home loans closed in 2025, First State Community Bank was the largest mortgage lender in Lake Timberline, Missouri with 4 loans, about 12.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Lake Timberline, Missouri in 2025, led by Flat Branch Mortgage, Inc. with 1. 4 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.
Yes. 5 banks and 2 credit unions closed home loans in Lake Timberline, Missouri in 2025, alongside 12 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 Timberline, 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 Timberline, 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 Timberline. 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.
