Mortgage Lenders and Brokers in Smithville, 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
Smithville, Missouri mortgage lenders include The Central Trust BankThe Central Trust Bank1603 S 169 Hwy, Smithville, MO 64089A+5.0 ★Texas Ratio: 3.12%, The Nodaway Valley BankThe Nodaway Valley Bank14402 North 169 Highway, Smithville, MO 64089A+5.0 ★Texas Ratio: 0.00%, Southern BankSouthern Bank100 Northeast State Highway 92, Smithville, MO 64089A5.0 ★Texas Ratio: 6.11%, Arvest BankArvest Bank607 Highway 71 North, Anderson, MO 64831A5.0 ★Texas Ratio: 7.48%, 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 Federal Bank of Kansas CityFirst Federal Bank of Kansas City3500 S Noland Rd, Independence, MO 64055A+5.0 ★Texas Ratio: 3.50%, Umb Bank NAUmb Bank NA827 Arnold Commons Drive, Arnold, MO 63010A+5.0 ★Texas Ratio: 1.78%, Capitol Federal Savings BankCapitol Federal Savings Bank4242 Main St, Kansas City, MO 64111A+5.0 ★Texas Ratio: 5.21%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1314 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 3.68%. 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 Smithville, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Smithville 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 Smithville, Missouri
Market share is the lender's share of all home loans closed in Smithville, 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 Smithville 1603 S 169 Hwy, Smithville, MO 64089 A+5.0 ★Texas Ratio: 3.12% |
Conventional, VA, HELOC | 8 +10 HELOCs |
2.2% | 88.9% | $256,250 | View |
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1 office in Smithville 14402 North 169 Highway, Smithville, MO 64089 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 7 | 1.9% | 100% | $185,000 | View |
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1 office in Smithville 100 Northeast State Highway 92, Smithville, MO 64089 A5.0 ★Texas Ratio: 6.11% |
Conventional, HELOC | 1 +6 HELOCs |
0.3% | 50% | $105,000 | View |
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607 Highway 71 North, Anderson, MO 64831 A5.0 ★Texas Ratio: 7.48% |
Conventional, VA, USDA, HELOC | 8 +2 HELOCs |
2.2% | 100% | $315,000 | View |
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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 6 | 1.7% | 100% | $335,000 | View |
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1543 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.6% | 66.7% | $470,000 | View |
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3500 S Noland Rd, Independence, MO 64055 A+5.0 ★Texas Ratio: 3.50% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 66.7% | $485,000 | View |
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827 Arnold Commons Drive, Arnold, MO 63010 A+5.0 ★Texas Ratio: 1.78% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $160,000 | View |
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4242 Main St, Kansas City, MO 64111 A+5.0 ★Texas Ratio: 5.21% |
Conventional | 2 | 0.6% | 100% | $180,000 | View |
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1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 2 | 0.6% | 66.7% | $320,000 | View |
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101 E Us Highway 136, Albany, MO 64402 A5.0 ★Texas Ratio: 6.76% |
Conventional | 2 | 0.6% | 100% | $235,000 | View |
Nbkc Bank
8320 Ward Pkwy, Kansas City, MO 64114 |
Conventional | 2 | 0.6% | 100% | $330,000 | |
Farmers State Bank
416 N Walnut St, Cameron, MO 64429 |
Conventional | 2 | 0.6% | 100% | $410,000 | |
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213 N Main St, Braymer, MO 64624 A+5.0 ★Texas Ratio: 1.27% |
Conventional | 2 | 0.6% | 100% | $225,000 | View |
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★ 5 stars, 1 review 340 S Springfield Ave, Bolivar, MO 65613 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 2 | 0.6% | 100% | $500,000 | View |
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10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89% |
Conventional, HELOC | 1 +5 HELOCs |
0.3% | 50% | $115,000 | View |
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101 Laura K Dr, O Fallon, MO 63366 A5.0 ★Texas Ratio: 13.68% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
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495 S Springfield Ave, Bolivar, MO 65613 A5.0 ★Texas Ratio: 9.58% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
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2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
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1535 N Campbell Ave, Springfield, MO 65803 B4.6 ★Texas Ratio: 19.27% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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1001 N Jesse James Rd, Excelsior Springs, MO 64024 A+5.0 ★Texas Ratio: 4.31% |
FHA | 1 | 0.3% | 100% | $265,000 | View |
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2443 Nw Prairie View Rd, Platte City, MO 64079 A+5.0 ★Texas Ratio: 1.06% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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301 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $425,000 | View |
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123 W Lafayette St, Palmyra, MO 63461 A+5.0 ★Texas Ratio: 2.53% |
Conventional | 1 | 0.3% | 100% | $215,000 | View |
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1 N Jefferson Ave, Saint Louis, MO 63103 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 100% | $715,000 | View |
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90 Village Square Shop Ctr, Hazelwood, MO 63042 A5.0 ★Texas Ratio: 8.70% |
Conventional | 1 | 0.3% | 100% | $65,000 | View |
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321 S Us Highway 169, Gower, MO 64454 A5.0 ★Texas Ratio: 7.97% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
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1060 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +4 HELOCs |
0% | n/a | 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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★ 1.7 stars, 3 reviews 1532 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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100 E 20th St, Kansas City, MO 64108 A+5.0 ★Texas Ratio: 3.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage Research Center
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Conventional, FHA, VA | 10 | 2.8% | 83.3% | $388,000 | |
Endeavor Capital, LLC
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Conventional, FHA, VA | 7 | 1.9% | 100% | $262,142 | |
First State Bank of St Charles
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Conventional, FHA, VA | 6 | 1.7% | 100% | $341,666 | |
Community Mortgage, LLC
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Conventional, FHA | 2 | 0.6% | 100% | $440,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.3% | 100% | $285,000 | |
Jlb Corporation dba Golden Oak Lending
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FHA | 1 | 0.3% | 100% | $65,000 | |
Kearney Trust Company
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Conventional | 1 | 0.3% | 100% | $85,000 | |
Communityamerica Federal Credit Union
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Conventional, FHA, VA, HELOC | 34 +25 HELOCs |
9.4% | 97.1% | $334,705 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional, FHA, VA | 26 | 7.2% | 86.7% | $224,615 | View |
Primelending
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Conventional, FHA, VA, USDA | 20 | 5.5% | 100% | $386,500 | |
Guild Mortgage Company
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Conventional, FHA, VA, USDA | 18 | 5% | 94.7% | $298,333 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 17 | 4.7% | 100% | $316,176 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 16 +2 HELOCs |
4.4% | 94.1% | $451,250 | |
Leaderone Financial Corp.
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Conventional, FHA | 14 | 3.9% | 93.3% | $338,571 | |
Click n' Close, Inc.
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Conventional, FHA | 13 | 3.6% | 100% | $436,538 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 11 | 3% | 92.3% | $251,363 | |
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A5.0 ★Texas Ratio: 6.15% |
Conventional, FHA, VA, USDA, Jumbo | 8 | 2.2% | 100% | $410,000 | View |
Newrez LLC
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Conventional, FHA, VA | 8 | 2.2% | 72.7% | $226,250 | |
Freedom Mortgage Corporation
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FHA, VA | 6 | 1.7% | 60% | $428,333 | |
loanDepot.com LLC
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Conventional, VA | 5 | 1.4% | 83.3% | $265,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 5 | 1.4% | 83.3% | $269,000 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 4 | 1.1% | 100% | $392,500 | |
M Squared Financial LLC
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Conventional, FHA | 4 | 1.1% | 100% | $305,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 4 | 1.1% | 100% | $330,000 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +1 HELOCs |
0.8% | 100% | $71,666 | |
Everett Financial, Inc.
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Conventional, Jumbo | 3 | 0.8% | 100% | $735,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 3 | 0.8% | 33.3% | $188,333 | |
Nationstar Mortgage
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Conventional, VA | 3 | 0.8% | 75% | $198,333 | |
Megastar Finanacial Corp
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Conventional, FHA, VA | 3 | 0.8% | 100% | $458,333 | |
Prosperity Home Mortgage, LLC
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Conventional | 3 | 0.8% | 100% | $435,000 | |
Pentagon Federal Credit Union
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FHA, VA, HELOC | 2 +2 HELOCs |
0.6% | 100% | $400,000 | |
Sage Home Loans Corporation
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Conventional | 2 | 0.6% | 100% | $440,000 | |
Envoy Mortgage, Ltd
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FHA, VA | 2 | 0.6% | 100% | $305,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, VA | 2 | 0.6% | 100% | $580,000 | View |
Sun West Mortgage Company, Inc
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Conventional, FHA | 2 | 0.6% | 100% | $400,000 | |
Mainstreet Federal Credit Union
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Conventional | 2 | 0.6% | 100% | $230,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.6% | 100% | $275,000 | View |
Guaranteed Rate, Inc.
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $435,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.3% | 100% | $665,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $55,000 | |
Mortgage Investment Services Corporation
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Conventional | 1 | 0.3% | 100% | $465,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
Primary Residential Mortgage, INC.
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FHA | 1 | 0.3% | 50% | $265,000 | |
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A5.0 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $715,000 | View |
Canopy Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $275,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.3% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 13.85% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
Synergy One Lending, Inc.
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FHA | 1 | 0.3% | 100% | $335,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
Discover Bank
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Conventional | 1 | 0.3% | 14.3% | $125,000 | |
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A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.3% | 100% | $475,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $205,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.3% | 50% | $525,000 | |
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A+5.0 ★Texas Ratio: 2.07% |
Conventional | 1 | 0.3% | 100% | $285,000 | View |
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A+5.0 ★Texas Ratio: 1.41% |
VA | 1 | 0.3% | 100% | $395,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
VA, Jumbo | 1 | 0.3% | 100% | $2,835,000 | View |
Veridian Credit Union
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Hanscom Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $385,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $465,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.3% | 100% | $175,000 | |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 0.3% | 100% | $295,000 | |
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A4.5 ★Texas Ratio: 2.64% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
Geneva Financial LLC
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Conventional | 1 | 0.3% | 100% | $345,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.3% | 100% | $455,000 | View |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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A+5.0 ★Texas Ratio: 3.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Smithville 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 Smithville, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in Smithville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Smithville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Smithville, MO
Use these to narrow the list above. Each category shows how many Smithville, MO lenders fit and what that kind of lender is usually best for.
Who Lends in Smithville, MO
Independent mortgage companies closed 58.3 percent of home loans in Smithville, Missouri in 2025, banks 29 percent and credit unions 12.7 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, The Central Trust Bank the largest bank and Assemblies of God Credit Union the largest credit union. Among lenders headquartered in Missouri, The Central Trust Bank led with 8 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 Smithville, MO
By home loans closed in 2025, The Central Trust Bank was the largest mortgage lender in Smithville, Missouri with 8 loans, about 2.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
30 lenders closed FHA loans in Smithville, Missouri in 2025, led by Primelending with 5. 27 lenders closed VA loans, led by Mortgage Research Center, and 4 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 7 credit unions closed home loans in Smithville, Missouri in 2025, alongside 46 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 Smithville, 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 Smithville, 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 Smithville. 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.
