Mortgage Lenders and Brokers in Pacific, 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
Pacific, Missouri mortgage lenders include First State Community BankFirst State Community Bank302 W Saint Louis St, Pacific, MO 63069A5.0 ★Texas Ratio: 6.95%, Flat Branch Mortgage, Inc.Flat Branch Mortgage, Inc.803 Wollard Blvd, Richmond, MO 64085A+5.0 ★Texas Ratio: 0.00%, First Community Credit UnionFirst Community Credit Union1722 Missouri State Rd, Arnold, MO 63010 2006A+5.0 ★Texas Ratio: 3.75%, Citizens BankCitizens Bank2245 W Osage St, Pacific, MO 63069A+5.0 ★Texas Ratio: 5.44%, Bank of WashingtonBank of Washington7701 Forsyth Blvd, Clayton, MO 63105D3.5 ★Texas Ratio: 33.34%, Bank of Franklin CountyBank of Franklin County15928 Manchester Rd, Ellisville, MO 63011A+5.0 ★Texas Ratio: 3.97%, Commerce BankCommerce Bank10185 Gravois Rd, Affton, MO 63123A+5.0 ★Texas Ratio: 0.89%, Vantage Credit UnionVantage Credit Union11915 Saint Charles Rock Rd, Bridgeton, MO 63044A+5.0 ★Texas Ratio: 4.97%, Together Credit UnionTogether Credit Union1334 Jeffco Blvd, Arnold, MO 63010 2157A+5.0 ★Texas Ratio: 4.25%, and Wells Fargo Bank NAWells Fargo Bank NA1 N Jefferson Ave, Saint Louis, MO 63103A+5.0 ★Texas Ratio: 5.36%. 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 Pacific, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pacific 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 Pacific, Missouri
Market share is the lender's share of all home loans closed in Pacific, 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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1 office in Pacific 302 W Saint Louis St, Pacific, MO 63069 A5.0 ★Texas Ratio: 6.95% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
2% | 75% | $191,666 | View |
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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 9 | 5.9% | 100% | $197,222 | View |
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1722 Missouri State Rd, Arnold, MO 63010 2006 A+5.0 ★Texas Ratio: 3.75% |
Conventional, HELOC | 5 +7 HELOCs |
3.3% | 71.4% | $101,000 | View |
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2245 W Osage St, Pacific, MO 63069 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 5 | 3.3% | 71.4% | $223,000 | View |
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7701 Forsyth Blvd, Clayton, MO 63105 D3.5 ★Texas Ratio: 33.34% |
Conventional, USDA | 3 | 2% | 100% | $188,333 | View |
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15928 Manchester Rd, Ellisville, MO 63011 A+5.0 ★Texas Ratio: 3.97% |
Conventional | 2 | 1.3% | 100% | $365,000 | View |
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10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 2 | 1.3% | 100% | $20,000 | View |
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11915 Saint Charles Rock Rd, Bridgeton, MO 63044 A+5.0 ★Texas Ratio: 4.97% |
Conventional | 2 | 1.3% | 100% | $135,000 | View |
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1334 Jeffco Blvd, Arnold, MO 63010 2157 A+5.0 ★Texas Ratio: 4.25% |
Conventional | 2 | 1.3% | 100% | $250,000 | View |
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1 N Jefferson Ave, Saint Louis, MO 63103 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.3% | 100% | $130,000 | View |
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501 N Broadway, Saint Louis, MO 63102 A-4.8 ★Texas Ratio: 12.33% |
Conventional | 2 | 1.3% | 100% | $250,000 | View |
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204 206 Alvarado Avenue, Belle, MO 65013 A+5.0 ★Texas Ratio: 2.10% |
Conventional | 2 | 1.3% | 100% | $30,000 | View |
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700 N Franklin St, Cuba, MO 65453 A-4.9 ★Texas Ratio: 16.43% |
Conventional | 2 | 1.3% | 100% | $130,000 | View |
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1440 Rebel Dr, Union, MO 63084 B-4.4 ★Texas Ratio: 22.38% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
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2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49% |
Conventional | 1 | 0.7% | 100% | $205,000 | View |
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1925 Richardson Rd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.58% |
Conventional | 1 | 0.7% | 100% | $145,000 | View |
Nbkc Bank
8320 Ward Pkwy, Kansas City, MO 64114 |
Conventional | 1 | 0.7% | 100% | $255,000 | |
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11998 Saint Charles Rock Rd, Bridgeton, MO 63044 A+5.0 ★Texas Ratio: 3.43% |
Conventional | 1 | 0.7% | 100% | $75,000 | View |
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310 N Ruth St, Advance, MO 63730 A5.0 ★Texas Ratio: 6.11% |
Conventional | 1 | 0.7% | 100% | $155,000 | View |
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217 N Kingshighway St, Cape Girardeau, MO 63701 A+5.0 ★Texas Ratio: 3.14% |
Conventional | 1 | 0.7% | 100% | $505,000 | View |
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651 Ne Coronado Dr, Blue Springs, MO 64014 A5.0 ★Texas Ratio: 6.60% |
Conventional | 1 | 0.7% | 100% | $185,000 | View |
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619 Stockell Dr, Eureka, MO 63025 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.7% | 100% | $45,000 | View |
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3944 Vogel Rd, Arnold, MO 63010 A5.0 ★Texas Ratio: 7.31% |
Conventional | 1 | 0.7% | 100% | $185,000 | View |
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1301 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1543 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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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308 S 9th St Ste 114, Columbia, MO 65201 5161 A5.0 ★Texas Ratio: 12.18% |
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 | |
Das Acquisition Company, LLC
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Conventional, FHA, USDA | 13 | 8.5% | 100% | $233,461 | |
First State Bank of St Charles
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Conventional, USDA | 4 | 2.6% | 100% | $230,000 | |
Mortgage Research Center
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VA | 3 | 2% | 75% | $261,666 | |
Jlb Corporation dba Golden Oak Lending
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Conventional, FHA | 2 | 1.3% | 100% | $150,000 | |
Family Finance Mortgage LLC
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Conventional, FHA | 2 | 1.3% | 100% | $235,000 | |
Endeavor Capital, LLC
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Conventional | 2 | 1.3% | 100% | $225,000 | |
Community Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $285,000 | |
Guild Mortgage Company
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Conventional, FHA, VA, USDA | 15 | 9.8% | 100% | $201,666 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional, FHA | 10 | 6.5% | 91.7% | $138,000 | View |
New American Funding, LLC.
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Conventional, FHA | 7 | 4.6% | 77.8% | $182,142 | |
United Wholesale Mortgage
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Conventional, FHA | 5 | 3.3% | 100% | $253,000 | |
Newrez LLC
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Conventional | 5 | 3.3% | 83.3% | $175,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 3.3% | 71.4% | $189,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 2 | 1.3% | 100% | $245,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 1.3% | 100% | $170,000 | View |
American Pacific Mortgage Corporation
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Conventional, VA | 2 | 1.3% | 100% | $150,000 | |
Fairway Independent Mort Corp
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FHA, USDA | 2 | 1.3% | 100% | $225,000 | |
Plaza Home Mortgage, Inc
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Conventional | 2 | 1.3% | 100% | $220,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.7% | 100% | $105,000 | |
loanDepot.com LLC
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VA | 1 | 0.7% | 33.3% | $295,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.7% | 100% | $305,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.7% | 33.3% | $55,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.7% | 100% | $265,000 | |
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A4.5 ★Texas Ratio: 2.64% |
FHA | 1 | 0.7% | 100% | $55,000 | View |
Provident Funding Associates
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Conventional | 1 | 0.7% | 100% | $305,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.7% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 5.41% |
Conventional | 1 | 0.7% | 100% | $685,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.7% | 50% | $195,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.7% | 50% | $205,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.7% | 100% | $265,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.7% | 100% | $335,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.7% | 50% | $375,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.7% | 50% | $105,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.7% | 100% | $55,000 | |
Geneva Financial LLC
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FHA | 1 | 0.7% | 100% | $195,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 0.7% | 100% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a |
Pacific 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 Pacific, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in Pacific? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pacific in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Pacific, MO
Use these to narrow the list above. Each category shows how many Pacific, MO lenders fit and what that kind of lender is usually best for.
Who Lends in Pacific, MO
Independent mortgage companies closed 66 percent of home loans in Pacific, Missouri in 2025, banks 26.8 percent and credit unions 7.2 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, First State Community Bank the largest bank and First Community Credit Union the largest credit union. Among lenders headquartered in Missouri, First State Community Bank led with 3 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 Pacific, MO
By home loans closed in 2025, First State Community Bank was the largest mortgage lender in Pacific, Missouri with 3 loans, about 2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Pacific, Missouri in 2025, led by United Wholesale Mortgage with 4. 6 lenders closed VA loans, led by Mortgage Research Center, and 5 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. 27 banks and 6 credit unions closed home loans in Pacific, Missouri in 2025, alongside 32 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 Pacific, 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 Pacific, 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 Pacific. 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.
