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Mortgage Lenders and Brokers in O'Fallon, Missouri

Content reviewed by

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

O'Fallon, Missouri mortgage lenders include US Bank, N.A.US Bank, N.A.1543 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 2.85%, Regions BankRegions Bank2582 Lemay Ferry Rd, Affton, MO 63125A+5.0 ★Texas Ratio: 4.37%, Bank of SpringfieldBank of Springfield101 Laura K Dr, O Fallon, MO 63366A5.0 ★Texas Ratio: 13.68%, PNC Bank N.A.PNC Bank N.A.1532 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 4.24%, West Community Credit UnionWest Community Credit Union308 S 9th St Ste 114, Columbia, MO 65201 5161A5.0 ★Texas Ratio: 12.18%, Lindell Bank & Trust CompanyLindell Bank & Trust Company169 Long Rd, Chesterfield, MO 63005A+5.0 ★Texas Ratio: 1.91%, Great Southern BankGreat Southern Bank6800 S Rock Hill Rd, Affton, MO 63123A+5.0 ★Texas Ratio: 1.55%, BMO Harris Bank NABMO Harris Bank NA1060 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 3.54%, First Mid Bank and Trust, NAFirst Mid Bank and Trust, NA7700 Bonhomme Ave, Clayton, MO 63105A+5.0 ★Texas Ratio: 3.88%, and Midland States BankMidland States Bank1920 Richardson Rd, Arnold, MO 63010A5.0 ★Texas Ratio: 9.50%. 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 O'Fallon, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in O'Fallon 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 O'Fallon, Missouri

Market share is the lender's share of all home loans closed in O'Fallon, 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
US Bank, N.A. 2 offices in O'Fallon 1543 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, Jumbo, HELOC	61 +41 HELOCs	2.4%	74.7%	$252,377	View
Regions Bank 2 offices in O'Fallon 2582 Lemay Ferry Rd, Affton, MO 63125 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, HELOC	28 +23 HELOCs	1.1%	76.3%	$193,214	View
Bank of Springfield 1 office in O'Fallon 101 Laura K Dr, O Fallon, MO 63366 A5.0 ★Texas Ratio: 13.68%	Conventional	15	0.6%	93.8%	$281,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in O'Fallon 1532 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, HELOC	10 +16 HELOCs	0.4%	90.9%	$316,000	View
West Community Credit Union 308 S 9th St Ste 114, Columbia, MO 65201 5161 A5.0 ★Texas Ratio: 12.18%	Conventional, HELOC	9 +66 HELOCs	0.4%	100%	$136,111	View
Lindell Bank & Trust Company 1 office in O'Fallon 169 Long Rd, Chesterfield, MO 63005 A+5.0 ★Texas Ratio: 1.91%	Conventional	5	0.2%	83.3%	$143,000	View
Great Southern Bank 1 office in O'Fallon 6800 S Rock Hill Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 1.55%	Conventional	5	0.2%	71.4%	$241,000	View
BMO Harris Bank NA 1 office in O'Fallon 1060 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	4 +9 HELOCs	0.2%	80%	$590,000	View
First Mid Bank and Trust, NA 1 office in O'Fallon 7700 Bonhomme Ave, Clayton, MO 63105 A+5.0 ★Texas Ratio: 3.88%	Conventional, HELOC	4 +3 HELOCs	0.2%	100%	$122,500	View
Midland States Bank 1 office in O'Fallon 1920 Richardson Rd, Arnold, MO 63010 A5.0 ★Texas Ratio: 9.50%	Conventional, HELOC	2 +4 HELOCs	0.1%	100%	$285,000	View
Flat Branch Mortgage, Inc. 803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	96	3.8%	98%	$316,458	View
First Community Credit Union 1722 Missouri State Rd, Arnold, MO 63010 2006 A+5.0 ★Texas Ratio: 3.75%	Conventional, HELOC	72 +123 HELOCs	2.9%	78.5%	$267,916	View
Stifel Bank & Trust 501 N Broadway, Saint Louis, MO 63102 A-4.8 ★Texas Ratio: 12.33%	Conventional, FHA, VA, HELOC	72 +5 HELOCs	2.9%	98.6%	$345,694	View
Vantage Credit Union 11915 Saint Charles Rock Rd, Bridgeton, MO 63044 A+5.0 ★Texas Ratio: 4.97%	Conventional, HELOC	47 +14 HELOCs	1.9%	83.1%	$226,489	View
Commerce Bank 10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89%	Conventional, FHA, HELOC	33 +38 HELOCs	1.3%	70.2%	$148,939	View
The Central Trust Bank 405 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 3.12%	Conventional, VA, Jumbo, HELOC	29 +16 HELOCs	1.2%	96.7%	$339,827	View
Neighbors Credit Union 109 East St, Clarence, MO 63437 A5.0 ★Texas Ratio: 7.12%	Conventional	28	1.1%	80%	$122,857	View
Together Credit Union 1334 Jeffco Blvd, Arnold, MO 63010 2157 A+5.0 ★Texas Ratio: 4.25%	Conventional, FHA, HELOC	24 +35 HELOCs	1%	70.6%	$287,500	View
JPMorgan Chase Bank, NA 1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	24 +3 HELOCs	1%	100%	$323,333	View
The Bank of Old Monroe #10 Freise Industrial Drive, Moscow Mills, MO 63362 A+5.0 ★Texas Ratio: 0.03%	Conventional	17	0.7%	100%	$249,117	View
Associated Bank NA 10044 West Florissant Ave, Saint Louis, MO 63136 A+5.0 ★Texas Ratio: 3.45%	Conventional, Jumbo, HELOC	16 +3 HELOCs	0.6%	72.7%	$926,875	View
First Bank 2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49%	Conventional, FHA, VA, HELOC	15 +8 HELOCs	0.6%	100%	$402,333	View
Paramount Bank 90 Village Square Shop Ctr, Hazelwood, MO 63042 A5.0 ★Texas Ratio: 8.70%	Conventional, FHA, VA	11	0.4%	100%	$326,818	View
Bank of America NA 1301 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	10 +45 HELOCs	0.4%	83.3%	$316,000	View
Midwest Bankcentre 1950 Richardson Rd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 5.66%	Conventional, FHA	10	0.4%	100%	$343,000	View
Alliance Credit Union 217 N Kingshighway St, Cape Girardeau, MO 63701 A+5.0 ★Texas Ratio: 3.14%	Conventional	10	0.4%	90.9%	$158,000	View
Peoples Bank & Trust Co. 106 N Business Hwy 61, Bowling Green, MO 63334 A-5.0 ★Texas Ratio: 14.19%	Conventional	10	0.4%	100%	$183,000	View
Wells Fargo Bank NA 1 N Jefferson Ave, Saint Louis, MO 63103 A+5.0 ★Texas Ratio: 5.36%	Conventional	9	0.4%	69.2%	$217,222	View
Carrollton Bank 1925 Richardson Rd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.58%	Conventional, HELOC	8 +3 HELOCs	0.3%	88.9%	$276,250	View
Nbkc Bank 8320 Ward Pkwy, Kansas City, MO 64114	Conventional, FHA	8	0.3%	100%	$290,000
Fcb Banks 1300 Clarkson Clayton Center, Ellisville, MO 63011 A5.0 ★Texas Ratio: 7.31%	Conventional, HELOC	5 +1 HELOCs	0.2%	100%	$277,000	View
Simmons Bank 1540 State Highway 248, Branson, MO 65616 A+5.0 ★Texas Ratio: 5.33%	Conventional, HELOC	4 +6 HELOCs	0.2%	100%	$230,000	View
First State Community Bank 74 Rue Terre Bonne, Bonne Terre, MO 63628 A5.0 ★Texas Ratio: 6.95%	Conventional, FHA, HELOC	4 +1 HELOCs	0.2%	100%	$337,500	View
Alltru Federal Credit Union 3240 N Highway 67, Florissant, MO 63033 A-4.9 ★Texas Ratio: 16.06%	Conventional	4	0.2%	66.7%	$327,500	View
HNB National Bank 700 Business Highway 61 N, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 0.35%	Conventional	4	0.2%	100%	$185,000	View
Peoples National Bank, N.A. 6247 Brookside Blvd, Kansas City, MO 64113 A5.0 ★Texas Ratio: 9.39%	Conventional	4	0.2%	100%	$417,500	View
The Missouri Bank 2500 Range Line St, Columbia, MO 65202 A+5.0 ★Texas Ratio: 0.69%	Conventional	4	0.2%	100%	$277,500	View
Umb Bank NA 827 Arnold Commons Drive, Arnold, MO 63010 A+5.0 ★Texas Ratio: 1.78%	Conventional, HELOC	3 +9 HELOCs	0.1%	75%	$51,666	View
Royal Banks of Missouri 15495 Clayton Rd, Ballwin, MO 63011 A5.0 ★Texas Ratio: 12.84%	Conventional	3	0.1%	100%	$458,333	View
Arsenal Credit Union 3780 Vogel Rd, Arnold, MO 63010 A5.0 ★Texas Ratio: 8.03%	Conventional	3	0.1%	100%	$78,333	View
Heritage Community Bank 101 South Main St, Chamois, MO 65024 B4.5 ★Texas Ratio: 21.03%	Conventional	3	0.1%	100%	$278,333	View
Farmers and Merchants Bank of St. Clair 619 Stockell Dr, Eureka, MO 63025 A+5.0 ★Texas Ratio: 0.00%	Conventional	3	0.1%	100%	$371,666	View
Busey Bank 17701 Edison Ave, Chesterfield, MO 63005 A+5.0 ★Texas Ratio: 2.31%	Conventional	3	0.1%	100%	$181,666	View
Montgomery Bank 11998 Saint Charles Rock Rd, Bridgeton, MO 63044 A+5.0 ★Texas Ratio: 3.43%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$220,000	View
United Bank of Union 1440 Rebel Dr, Union, MO 63084 B-4.4 ★Texas Ratio: 22.38%	Conventional	2	0.1%	100%	$285,000	View
Multipli Federal Credit Union 400 E Broadway, Ashland, MO 65010	Conventional	2	0.1%	100%	$310,000	View
Peoples Savings Bank 901 Business Highway 61 N, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 2.68%	Conventional	2	0.1%	100%	$335,000	View
Bank of Washington 7701 Forsyth Blvd, Clayton, MO 63105 D3.5 ★Texas Ratio: 33.34%	Conventional	1	0%	100%	$55,000	View
CNB St Louis Bank 9111 Mackenzie Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 5.88%	Conventional	1	0%	100%	$275,000	View
Wood & Huston Bank ★ 5 stars, 1 review 111 S Broadview St, Cape Girardeau, MO 63703 A+5.0 ★Texas Ratio: 1.77%	Conventional	1	0%	100%	$315,000	View
Jonesburg State Bank 110 1st St, Jonesburg, MO 63351 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$215,000	View
United Community Bank 123 W Lafayette St, Palmyra, MO 63461 A+5.0 ★Texas Ratio: 2.53%	Conventional	1	0%	100%	$265,000	View
Bloomsdale Bank 55 Mill Hill Rd, Bloomsdale, MO 63627 A+5.0 ★Texas Ratio: 2.65%	Conventional	1	0%	100%	$345,000	View
Community State Bank of Missouri 104 Bowling Green Parkway, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 1.65%	Conventional	1	0%	100%	$75,000	View
Pinnacle Bank 1316 E 32nd St, Joplin, MO 64804 A+5.0 ★Texas Ratio: 1.45%	Conventional	1	0%	100%	$245,000	View
Enterprise Bank & Trust 3944 Vogel Rd, Arnold, MO 63010 A5.0 ★Texas Ratio: 7.31%	Conventional	1	0%	100%	$115,000	View
Infuze Credit Union 5000 Illinois Ave, Fort Leonard Wood, MO 65473 A+5.0 ★Texas Ratio: 2.56%	HELOC	0 +1 HELOCs	0%	n/a		View
Das Acquisition Company, LLC	Conventional, FHA, VA	96	3.8%	98.1%	$323,541
First State Bank of St Charles	Conventional, FHA, VA	51	2%	100%	$367,352
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional, FHA, VA	39	1.6%	100%	$342,948	View
Mortgage Research Center	Conventional, VA	31	1.2%	75.6%	$374,354
Endeavor Capital, LLC	Conventional, FHA, VA	29	1.2%	96.8%	$321,896
Jlb Corporation dba Golden Oak Lending	Conventional, FHA	28	1.1%	93.3%	$275,357
Gershman Investment Corp.	Conventional, FHA, VA	25	1%	89.3%	$331,800
Access Capital Funding LLC	Conventional	22	0.9%	100%	$418,636
US Wide Financial LLC	Conventional	14	0.6%	100%	$365,714
Family Finance Mortgage LLC	Conventional, VA	8	0.3%	100%	$295,000
Mortgage Solutions, LLC	Conventional	3	0.1%	60%	$291,666
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	2	0.1%	100%	$545,000	View
Saint Louis Bank	Conventional	2	0.1%	100%	$405,000
Frontier Financial, Inc. DBA Frontier Mortgage	Conventional	2	0.1%	100%	$315,000
Community Mortgage, LLC	VA	1	0%	100%	$385,000
Gateway Metro Federal Credit U	Conventional	1	0%	100%	$155,000
Rocket Mortgage A5.0 ★Texas Ratio: 7.45%	Conventional, FHA, VA	178	7.1%	86%	$242,808	View
Guild Mortgage Company	Conventional, FHA, VA	170	6.8%	97.8%	$321,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	149 +3 HELOCs	6%	98%	$392,583
New American Funding, LLC.	Conventional, FHA, VA, HELOC	101 +3 HELOCs	4%	95.3%	$308,663
American Pacific Mortgage Corporation	Conventional, FHA, VA	62	2.5%	93.9%	$448,387
Pennymac Loan Services LLC	Conventional, FHA, VA	52	2.1%	81.8%	$224,038
Nationstar Mortgage	Conventional, FHA, VA	43	1.7%	86.3%	$194,767
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA, HELOC	38 +1 HELOCs	1.5%	100%	$298,157
Newrez LLC	Conventional, FHA, VA	36	1.4%	74%	$250,555
Freedom Mortgage Corporation	Conventional, FHA, VA	35	1.4%	91.1%	$271,571
Nations Lending Corporation	Conventional, FHA, VA	35	1.4%	100%	$243,285
Victory Mortgage, LLC	Conventional, FHA, VA	27	1.1%	84.4%	$389,074
loanDepot.com LLC	Conventional, FHA, VA	24	1%	75%	$228,750
Geneva Financial LLC	Conventional, FHA	24	1%	96%	$317,500
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	19 +3 HELOCs	0.8%	100%	$317,105
First Horizon Bank ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76%	Conventional, VA	19	0.8%	79.2%	$335,000	View
Fairway Independent Mort Corp	Conventional, VA	18	0.7%	94.7%	$300,555
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	17 +7 HELOCs	0.7%	77.3%	$383,235
Scott Credit Union	Conventional, VA, HELOC	15 +1 HELOCs	0.6%	93.8%	$353,666
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, VA	14	0.6%	100%	$462,857	View
Leaderone Financial Corp.	Conventional, FHA, Jumbo	14	0.6%	93.3%	$314,285
Spring Eq, LLC	Conventional, HELOC	13 +9 HELOCs	0.5%	59.1%	$71,153
Lakeview Loan Servicing, LLC	Conventional, FHA	12	0.5%	50%	$338,333
Amerisave Mortgage Company	Conventional, FHA	12	0.5%	38.7%	$170,000
Everett Financial, Inc.	Conventional, FHA	11	0.4%	100%	$256,818
21St Mortgage	Conventional	11	0.4%	34.4%	$75,909
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	10	0.4%	76.9%	$137,000	View
Discover Bank	Conventional	8	0.3%	37.5%	$117,500
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	8	0.3%	88.9%	$300,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	8	0.3%	83.3%	$360,000
Vanderbilt Mortgage and Finance, Inc	Conventional	8	0.3%	24.2%	$76,250
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	7 +1 HELOCs	0.3%	87.5%	$300,714
Envoy Mortgage, Ltd	Conventional, FHA	7	0.3%	100%	$359,285
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	6	0.2%	100%	$393,333	View
Primelending	Conventional, FHA	6	0.2%	100%	$330,000
Sage Home Loans Corporation	Conventional	6	0.2%	100%	$421,666
New Day Financial, LLC.	VA	6	0.2%	70%	$315,000
Zillow Home Loans, LLC	Conventional	6	0.2%	100%	$280,000
Towne Mortgage Company A-4.9 ★Texas Ratio: 16.23%	Conventional, FHA, VA	5	0.2%	100%	$343,000	View
Communityamerica Federal Credit Union	Conventional, HELOC	4 +5 HELOCs	0.2%	80%	$282,500
Zippy Loans, LLC	Conventional	4	0.2%	100%	$62,500
Goodleap, LLC	Conventional, FHA, VA	4	0.2%	80%	$255,000
Sun West Mortgage Company, Inc	Conventional, VA	4	0.2%	85.7%	$267,500
Click n' Close, Inc.	Conventional, FHA, VA	4	0.2%	100%	$262,500
Planet Home Lending, LLC	FHA, VA	4	0.2%	80%	$355,000
First Heritage Financial LLC	FHA, VA	4	0.2%	100%	$357,500
Provident Funding Associates	Conventional	4	0.2%	100%	$410,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	4	0.2%	100%	$305,000	View
Village Capital & Investment	FHA, VA	4	0.2%	66.7%	$332,500
Cmg Mortgage Inc	Conventional, FHA, HELOC	3 +2 HELOCs	0.1%	100%	$441,666
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +2 HELOCs	0.1%	75%	$85,000	View
Union Home Mortgage Corp.	Conventional, HELOC	3 +1 HELOCs	0.1%	75%	$338,333
Better Mortgage Corporation A-5.0 ★Texas Ratio: 14.33%	Conventional, HELOC	3 +1 HELOCs	0.1%	60%	$261,666	View
Golden Empire Mortgage, Inc.	Conventional	3	0.1%	100%	$238,333
AmeriHome Mortgage Company, LLC	FHA	3	0.1%	100%	$355,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 1.51%	Conventional	3	0.1%	50%	$45,000	View
PHH Mortgage Corporation	Conventional, VA	3	0.1%	75%	$415,000
Thompson Kane & Company, Inc	Conventional	3	0.1%	100%	$205,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	3	0.1%	50%	$341,666	View
Sierra Pacific Mortgage Co. Inc	Conventional	3	0.1%	100%	$341,666
Carrington Mortgage Services LLC	Conventional, FHA	3	0.1%	35.7%	$155,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.14%	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.1%	66.7%	$670,000	View
The Loan Store, Inc	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$340,000
Cornerstone First Mortgage, LLC	Conventional	2	0.1%	100%	$355,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	2	0.1%	100%	$535,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	2	0.1%	100%	$505,000	View
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	2	0.1%	66.7%	$100,000	View
TruHome Solutions, LLC	FHA	2	0.1%	100%	$235,000
Amerant Mortgage LLC	Conventional, VA	2	0.1%	100%	$560,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	2	0.1%	100%	$330,000	View
Cardinal Financial Company, Li	Conventional, VA	2	0.1%	100%	$325,000
Digital Federal Credit Union	Conventional	2	0.1%	66.7%	$360,000
RoundPoint Mortgage Servicing LLC	Conventional	2	0.1%	100%	$305,000
Nations Direct Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$350,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, VA	2	0.1%	100%	$215,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.1%	100%	$560,000	View
Plaza Home Mortgage, Inc	Conventional, VA	2	0.1%	50%	$255,000
Top Flite Financial, Inc.	FHA	2	0.1%	100%	$325,000
Quorum Federal Credit Union	Conventional, HELOC	1 +5 HELOCs	0%	100%	$145,000
Boeing Employees' Credit Union	Conventional, HELOC	1 +2 HELOCs	0%	100%	$305,000
Cadence Bank	Conventional, HELOC	1 +1 HELOCs	0%	50%	$355,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	100%	$485,000	View
Premier Mortgage Resources, LLC	Conventional	1	0%	100%	$445,000
American Financial Resources LLC	Conventional	1	0%	100%	$555,000
Zions Bancorporation, N.A. A+5.0 ★Texas Ratio: 3.72%	Conventional	1	0%	100%	$355,000	View
Neighborhood Loans, Inc	Conventional	1	0%	20%	$5,000
Success Lending, LLC A+5.0 ★Texas Ratio: 3.62%	Conventional	1	0%	100%	$285,000	View
Canopy Mortgage, LLC	Conventional	1	0%	100%	$685,000
Farmers Insurance Federal Credit Union	Conventional	1	0%	100%	$165,000
Equity Prime Mortgage LLC	FHA	1	0%	100%	$315,000
Kind Lending, LLC	Conventional	1	0%	100%	$285,000
Dart Bank	Conventional	1	0%	100%	$285,000
Synergy One Lending, Inc.	Conventional	1	0%	100%	$75,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0%	100%	$585,000	View
Bank of Belleville B4.6 ★Texas Ratio: 19.57%	Conventional	1	0%	100%	$145,000	View
Bayshore Mortgage Funding	Conventional	1	0%	100%	$505,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0%	100%	$225,000
American Financing Corporation	FHA	1	0%	20%	$205,000
First Northern Credit Union	Conventional	1	0%	100%	$175,000
First Option Mortgage, LLC A4.5 ★Texas Ratio: 2.64%	Conventional	1	0%	100%	$345,000	View
Shoreham Bank	FHA	1	0%	100%	$25,000
Deseret First Credit Union	Conventional	1	0%	100%	$45,000
Churchill Mortgage Corporation	FHA	1	0%	100%	$325,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0%	100%	$355,000	View
T2 Financial LLC	FHA	1	0%	100%	$455,000
Community First National Bank A+5.0 ★Texas Ratio: 1.41%	Conventional	1	0%	100%	$215,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0%	100%	$65,000
Cnb Bank & Trust, N.A. A+5.0 ★Texas Ratio: 5.41%	Conventional	1	0%	100%	$425,000	View
Tjc Mortgage Inc	Conventional	1	0%	100%	$675,000
Pentagon Federal Credit Union	VA	1	0%	100%	$665,000
Mortgage Solutions of Colorado	VA	1	0%	100%	$615,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0%	100%	$685,000	View
Midwest Members Credit Union	Conventional	1	0%	100%	$35,000
Lower, LLC	Conventional	1	0%	33.3%	$495,000
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	Conventional	1	0%	100%	$425,000	View
United Nations Federal CU	Conventional	1	0%	100%	$615,000
Paramount Residential Mortgage	VA	1	0%	50%	$465,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0%	100%	$685,000	View
Figure Lending LLC	HELOC	0 +29 HELOCs	0%	n/a
Valon Mortgage A5.0 ★Texas Ratio: 6.08%	HELOC	0 +3 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc A+5.0 ★Texas Ratio: 3.74%	HELOC	0 +1 HELOCs	0%	n/a		View
Purdue Federal Cu	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.

O'Fallon 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 O'Fallon, Missouri

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

Types of Mortgage Lenders in O'Fallon, MO

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

Mortgage companies and brokers 92 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 76 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 29 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 60 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 54 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 9 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MO 55 lenders headquartered in Missouri, the closest thing to a mortgage lender near you

Who Lends in O'Fallon, MO

Independent mortgage companies closed 65.6 percent of home loans in O'Fallon, Missouri in 2025, banks 24.4 percent and credit unions 10.1 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and West Community Credit Union the largest credit union. Among lenders headquartered in Missouri, West Community Credit Union led with 9 loans.

65.6%

Mortgage companies

24.4%

Banks

10.1%

Credit unions

11%

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 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 Florissant 143 lenders

Frequently Asked Questions About Mortgage Lenders in O'Fallon, MO

Who is the largest mortgage lender in O'Fallon, MO?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in O'Fallon, Missouri with 61 loans, about 2.4 percent of the market. The largest lender headquartered in Missouri was West Community Credit Union with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in O'Fallon, MO have the highest approval rates?

Among lenders with meaningful volume in O'Fallon, Missouri, First State Bank of St Charles approved the highest share of completed applications in 2025 at 100 percent, against a 86.3 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 O'Fallon, MO mortgage lenders offer FHA, VA and USDA loans?

60 lenders closed FHA loans in O'Fallon, Missouri in 2025, led by Rocket Mortgage with 27. 54 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 O'Fallon, MO lender list?

Yes. 76 banks and 29 credit unions closed home loans in O'Fallon, Missouri in 2025, alongside 92 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 O'Fallon, MO ranked on this page?

Lenders are ranked only by the number of home loans they closed in O'Fallon, 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 O'Fallon, 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 O'Fallon. 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.