Mortgage Lenders and Brokers in Osage Beach, 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
Osage Beach, Missouri mortgage lenders include The Central Trust BankThe Central Trust Bank4252 Osage Beach Pkwy, Osage Beach, MO 65065A+5.0 ★Texas Ratio: 3.12%, Mid America BankMid America Bank3855 Osage Beach Pkwy, Osage Beach, MO 65065A+5.0 ★Texas Ratio: 5.45%, US Bank, N.A.US Bank, N.A.4056 Osage Beach Pkwy, Osage Beach, MO 65065A+5.0 ★Texas Ratio: 2.85%, Commerce BankCommerce Bank10185 Gravois Rd, Affton, MO 63123A+5.0 ★Texas Ratio: 0.89%, OakStar BankOakStar Bank5127 Osage Beach Pkwy, Osage Beach, MO 65065A+5.0 ★Texas Ratio: 3.21%, First Mid Bank and Trust, NAFirst Mid Bank and Trust, NA995 Kk Dr, Osage Beach, MO 65065A+5.0 ★Texas Ratio: 3.88%, Flat Branch Mortgage, Inc.Flat Branch Mortgage, Inc.803 Wollard Blvd, Richmond, MO 64085A+5.0 ★Texas Ratio: 0.00%, Multipli Federal Credit UnionMultipli Federal Credit Union400 E Broadway, Ashland, MO 65010, Stifel Bank & TrustStifel Bank & Trust501 N Broadway, Saint Louis, MO 63102A-4.8 ★Texas Ratio: 12.33%, and Infuze Credit UnionInfuze Credit Union5286 Osage Beach Pkwy, Osage Beach, MO 65065 3276A+5.0 ★Texas Ratio: 2.56%. 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 Osage Beach, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Osage Beach 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 Osage Beach, Missouri
Market share is the lender's share of all home loans closed in Osage Beach, 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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2 offices in Osage Beach 4252 Osage Beach Pkwy, Osage Beach, MO 65065 A+5.0 ★Texas Ratio: 3.12% |
Conventional, Jumbo, HELOC | 27 +15 HELOCs |
9.6% | 84.4% | $472,407 | View |
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1 office in Osage Beach 3855 Osage Beach Pkwy, Osage Beach, MO 65065 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 6 | 2.1% | 85.7% | $396,666 | View |
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1 office in Osage Beach 4056 Osage Beach Pkwy, Osage Beach, MO 65065 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 4 +2 HELOCs |
1.4% | 66.7% | $122,500 | View |
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1 office in Osage Beach 10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1.1% | 100% | $738,333 | View |
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★ 5 stars, 1 review 1 office in Osage Beach 5127 Osage Beach Pkwy, Osage Beach, MO 65065 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 2 +3 HELOCs |
0.7% | 100% | $300,000 | View |
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1 office in Osage Beach 995 Kk Dr, Osage Beach, MO 65065 A+5.0 ★Texas Ratio: 3.88% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA | 33 | 11.8% | 97.1% | $290,454 | View |
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400 E Broadway, Ashland, MO 65010 |
Conventional | 6 | 2.1% | 100% | $220,000 | View |
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501 N Broadway, Saint Louis, MO 63102 A-4.8 ★Texas Ratio: 12.33% |
Conventional | 6 | 2.1% | 100% | $345,000 | View |
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5286 Osage Beach Pkwy, Osage Beach, MO 65065 3276 A+5.0 ★Texas Ratio: 2.56% |
Conventional, HELOC | 4 +7 HELOCs |
1.4% | 66.7% | $140,000 | View |
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1003 State Highway C, Bevier, MO 63532 A+5.0 ★Texas Ratio: 0.51% |
Conventional, Jumbo | 3 | 1.1% | 100% | $525,000 | View |
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1301 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 66.7% | $335,000 | View |
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8127 E 171st St, Belton, MO 64012 A+5.0 ★Texas Ratio: 3.36% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $230,000 | View |
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1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.7% | 100% | $285,000 | View |
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2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49% |
Conventional, FHA | 2 | 0.7% | 100% | $305,000 | View |
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7701 Forsyth Blvd, Clayton, MO 63105 D3.5 ★Texas Ratio: 33.34% |
Conventional | 2 | 0.7% | 100% | $490,000 | View |
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1334 Jeffco Blvd, Arnold, MO 63010 2157 A+5.0 ★Texas Ratio: 4.25% |
Conventional | 2 | 0.7% | 100% | $465,000 | View |
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123 W Lafayette St, Palmyra, MO 63461 A+5.0 ★Texas Ratio: 2.53% |
Conventional | 2 | 0.7% | 100% | $200,000 | View |
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607 Highway 71 North, Anderson, MO 64831 A5.0 ★Texas Ratio: 7.48% |
Conventional | 2 | 0.7% | 100% | $705,000 | View |
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2nd And Pine Street, Argyle, MO 65001 A+5.0 ★Texas Ratio: 0.59% |
Conventional | 2 | 0.7% | 100% | $305,000 | View |
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1950 Richardson Rd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 5.66% |
Conventional | 2 | 0.7% | 100% | $285,000 | View |
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106 N Business Hwy 61, Bowling Green, MO 63334 A-5.0 ★Texas Ratio: 14.19% |
Conventional | 2 | 0.7% | 100% | $295,000 | View |
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2582 Lemay Ferry Rd, Affton, MO 63125 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $85,000 | View |
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1440 Rebel Dr, Union, MO 63084 B-4.4 ★Texas Ratio: 22.38% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
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101 Laura K Dr, O Fallon, MO 63366 A5.0 ★Texas Ratio: 13.68% |
Conventional | 1 | 0.4% | 100% | $595,000 | View |
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1535 N Campbell Ave, Springfield, MO 65803 B4.6 ★Texas Ratio: 19.27% |
Conventional | 1 | 0.4% | 100% | $115,000 | View |
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1925 Richardson Rd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.58% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,235,000 | View |
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1001 N Jesse James Rd, Excelsior Springs, MO 64024 A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.4% | 100% | $335,000 | View |
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1300 Clarkson Clayton Center, Ellisville, MO 63011 A5.0 ★Texas Ratio: 7.31% |
Conventional | 1 | 0.4% | 100% | $365,000 | View |
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11998 Saint Charles Rock Rd, Bridgeton, MO 63044 A+5.0 ★Texas Ratio: 3.43% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
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1505 N Mount Auburn Rd, Cape Girardeau, MO 63701 F1.6 ★Texas Ratio: 56.27% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
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6800 S Rock Hill Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 1.55% |
Conventional | 1 | 0.4% | 100% | $75,000 | View |
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1215 Fellows Pl, Columbia, MO 65201 A5.0 ★Texas Ratio: 8.24% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
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300 W Lockling St, Brookfield, MO 64628 A+5.0 ★Texas Ratio: 1.89% |
Conventional | 1 | 0.4% | 100% | $675,000 | View |
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217 N Kingshighway St, Cape Girardeau, MO 63701 A+5.0 ★Texas Ratio: 1.54% |
Conventional | 1 | 0.4% | 100% | $185,000 | View |
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312 W Central Ave, Carthage, MO 64836 A+5.0 ★Texas Ratio: 3.97% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
Farmers State Bank
416 N Walnut St, Cameron, MO 64429 |
Conventional | 1 | 0.4% | 100% | $225,000 | |
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1722 Missouri State Rd, Arnold, MO 63010 2006 A+5.0 ★Texas Ratio: 3.75% |
Conventional | 1 | 0.4% | 50% | $305,000 | View |
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6969 S Lindbergh Blvd, Saint Louis, MO 63125 C+4.1 ★Texas Ratio: 25.55% |
Conventional | 1 | 0.4% | 100% | $175,000 | View |
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101 South Main St, Chamois, MO 65024 B4.5 ★Texas Ratio: 21.03% |
Conventional | 1 | 0.4% | 100% | $395,000 | View |
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1108 S Business Highway 61, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 2.67% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
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1630 Killingsworth Ave, Bolivar, MO 65613 A+5.0 ★Texas Ratio: 1.26% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
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1196 Horseshoe Bend Pkwy, Lake Ozark, MO 65049 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.4% | 100% | $275,000 | View |
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304 N Main St, Maryville, MO 64468 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
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208 N Main St, Blackburn, MO 65321 A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 0.4% | 100% | $245,000 | View |
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202 E North Ave, Belton, MO 64012 A+5.0 ★Texas Ratio: 4.82% |
Conventional | 1 | 0.4% | 50% | $325,000 | View |
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308 S 9th St Ste 114, Columbia, MO 65201 5161 A5.0 ★Texas Ratio: 12.18% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First State Bank of St Charles
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Conventional, FHA, USDA | 5 | 1.8% | 100% | $309,000 | |
Mortgage Research Center
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Conventional, VA | 4 | 1.4% | 50% | $327,500 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 2 | 0.7% | 100% | $265,000 | View |
Das Acquisition Company, LLC
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Conventional | 2 | 0.7% | 100% | $245,000 | |
Endeavor Capital, LLC
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Conventional | 1 | 0.4% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional | 13 | 4.6% | 76.5% | $241,153 | View |
Guild Mortgage Company
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Conventional, VA | 11 | 3.9% | 100% | $246,818 | |
Nations Direct Mortgage, LLC
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Conventional | 10 | 3.6% | 100% | $370,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 2.1% | 66.7% | $355,000 | |
Iroquois Federal Savings & Loan Association
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Conventional, Jumbo | 5 | 1.8% | 100% | $393,000 | |
American Financial Resources LLC
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Conventional, FHA | 3 | 1.1% | 100% | $191,666 | |
Freedom Mortgage Corporation
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Conventional, VA | 3 | 1.1% | 100% | $348,333 | |
Newrez LLC
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Conventional, FHA, VA | 3 | 1.1% | 100% | $291,666 | |
Pennymac Loan Services LLC
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Conventional, VA | 3 | 1.1% | 100% | $261,666 | |
Lendsure Mortgage Corp.
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Conventional, Jumbo | 3 | 1.1% | 100% | $535,000 | |
Veridian Credit Union
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Conventional | 3 | 1.1% | 100% | $278,333 | |
New American Funding, LLC.
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Conventional | 3 | 1.1% | 60% | $378,333 | |
Geneva Financial LLC
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Conventional | 3 | 1.1% | 100% | $211,666 | |
Premier Bank
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Conventional | 2 | 0.7% | 100% | $465,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 2 | 0.7% | 100% | $815,000 | |
Greenstate Credit Union
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Conventional | 2 | 0.7% | 100% | $305,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, VA | 2 | 0.7% | 100% | $230,000 | |
Kind Lending, LLC
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Conventional | 2 | 0.7% | 100% | $325,000 | |
Builders Choice Mortgage LLC
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Conventional | 2 | 0.7% | 66.7% | $220,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 2 | 0.7% | 100% | $500,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 0.7% | 40% | $130,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $475,000 | |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.4% | 100% | $685,000 | View |
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A+5.0 ★Texas Ratio: 2.48% |
Conventional, Jumbo | 1 | 0.4% | 100% | $3,335,000 | View |
Primelending
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FHA | 1 | 0.4% | 100% | $225,000 | |
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B+4.7 ★Texas Ratio: 18.69% |
Conventional | 1 | 0.4% | 100% | $645,000 | View |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $255,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.4% | 50% | $225,000 | View |
Movement Mortgage, LLC
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VA | 1 | 0.4% | 100% | $295,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Nqm Funding, LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,325,000 | |
Bayshore Mortgage Funding
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.4% | 100% | $345,000 | |
First State Mortgage Services
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Conventional, Jumbo | 1 | 0.4% | 100% | $815,000 | |
American Financing Corporation
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FHA | 1 | 0.4% | 100% | $285,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.4% | 100% | $395,000 | View |
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A+5.0 ★Texas Ratio: 3.05% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
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A5.0 ★Texas Ratio: 6.61% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
New Day Financial, LLC.
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VA | 1 | 0.4% | 100% | $225,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 50% | $135,000 | View |
T2 Financial LLC
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Conventional | 1 | 0.4% | 100% | $175,000 | |
Mainstreet Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $145,000 | |
City State Bank
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Conventional | 1 | 0.4% | 100% | $255,000 | |
Communityamerica Federal Credit Union
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Conventional | 1 | 0.4% | 50% | $55,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
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A5.0 ★Texas Ratio: 11.68% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
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A+5.0 ★Texas Ratio: 5.41% |
Conventional | 1 | 0.4% | 100% | $575,000 | View |
Mission Loans, LLC
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Conventional | 1 | 0.4% | 100% | $135,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.4% | 100% | $275,000 | View |
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A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.4% | 100% | $295,000 | View |
Summit Funding.Inc
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Conventional | 1 | 0.4% | 100% | $705,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.4% | 50% | $385,000 | |
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D3.4 ★Texas Ratio: 33.80% |
Conventional | 1 | 0.4% | 100% | $255,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,325,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,335,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.4% | 100% | $215,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.4% | 100% | $275,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.4% | 100% | $735,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 0.4% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 3.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Osage Beach 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 Osage Beach, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in Osage Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Osage Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Osage Beach, MO
Use these to narrow the list above. Each category shows how many Osage Beach, MO lenders fit and what that kind of lender is usually best for.
Who Lends in Osage Beach, MO
Independent mortgage companies closed 45.7 percent of home loans in Osage Beach, Missouri in 2025, banks 46.1 percent and credit unions 8.2 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, The Central Trust Bank the largest bank and Multipli Federal Credit Union the largest credit union. Among lenders headquartered in Missouri, The Central Trust Bank led with 27 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 Osage Beach, MO
By home loans closed in 2025, The Central Trust Bank was the largest mortgage lender in Osage Beach, Missouri with 27 loans, about 9.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Osage Beach, Missouri in 2025, led by American Financial Resources LLC with 2. 13 lenders closed VA loans, led by Mortgage Research Center, 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. 66 banks and 13 credit unions closed home loans in Osage Beach, Missouri in 2025, alongside 39 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 Osage Beach, 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 Osage Beach, 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 Osage Beach. 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.
