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Mortgage Lenders and Brokers in St. Charles, Missouri

Content reviewed by

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

St. Charles, Missouri mortgage lenders include Flat Branch Mortgage, Inc.Flat Branch Mortgage, Inc.803 Wollard Blvd, Richmond, MO 64085A+5.0 ★Texas Ratio: 0.00%, Stifel Bank & TrustStifel Bank & Trust501 N Broadway, Saint Louis, MO 63102A-4.8 ★Texas Ratio: 12.33%, First Community Credit UnionFirst Community Credit Union1722 Missouri State Rd, Arnold, MO 63010 2006A+5.0 ★Texas Ratio: 3.75%, US Bank, N.A.US Bank, N.A.1543 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 2.85%, The Central Trust BankThe Central Trust Bank405 E Broadway, Ashland, MO 65010A+5.0 ★Texas Ratio: 3.12%, Regions BankRegions Bank2582 Lemay Ferry Rd, Affton, MO 63125A+5.0 ★Texas Ratio: 4.37%, Vantage Credit UnionVantage Credit Union11915 Saint Charles Rock Rd, Bridgeton, MO 63044A+5.0 ★Texas Ratio: 4.97%, Carrollton BankCarrollton Bank1925 Richardson Rd, Arnold, MO 63010A+5.0 ★Texas Ratio: 3.58%, First BankFirst Bank2255 Michigan Ave, Arnold, MO 63010A+5.0 ★Texas Ratio: 2.49%, and Commerce BankCommerce Bank10185 Gravois Rd, Affton, MO 63123A+5.0 ★Texas Ratio: 0.89%. 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 St. Charles, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Charles 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 St. Charles, Missouri

Market share is the lender's share of all home loans closed in St. Charles, 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
Flat Branch Mortgage, Inc. 803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	84	5%	100%	$282,380	View
Stifel Bank & Trust 501 N Broadway, Saint Louis, MO 63102 A-4.8 ★Texas Ratio: 12.33%	Conventional, FHA, VA, HELOC	67 +6 HELOCs	4%	100%	$302,910	View
First Community Credit Union 1722 Missouri State Rd, Arnold, MO 63010 2006 A+5.0 ★Texas Ratio: 3.75%	Conventional, HELOC	41 +49 HELOCs	2.4%	66.1%	$199,390	View
US Bank, N.A. 1543 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, HELOC	40 +30 HELOCs	2.4%	67.2%	$258,000	View
The Central Trust Bank 405 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 3.12%	Conventional, HELOC	24 +13 HELOCs	1.4%	100%	$277,500	View
Regions Bank 2582 Lemay Ferry Rd, Affton, MO 63125 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, HELOC	19 +19 HELOCs	1.1%	71%	$178,157	View
Vantage Credit Union 11915 Saint Charles Rock Rd, Bridgeton, MO 63044 A+5.0 ★Texas Ratio: 4.97%	Conventional, HELOC	17 +16 HELOCs	1%	81%	$203,235	View
Carrollton Bank 1925 Richardson Rd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.58%	Conventional, VA, HELOC	16 +6 HELOCs	0.9%	94.1%	$283,125	View
First Bank 2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49%	Conventional, FHA, VA, HELOC	16 +5 HELOCs	0.9%	100%	$281,875	View
Commerce Bank 10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89%	Conventional, HELOC	11 +22 HELOCs	0.7%	57.1%	$111,363	View
Bank of America NA 1301 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	11 +17 HELOCs	0.7%	78.6%	$254,090	View
Paramount Bank 90 Village Square Shop Ctr, Hazelwood, MO 63042 A5.0 ★Texas Ratio: 8.70%	Conventional, VA	11	0.7%	91.7%	$266,818	View
The Bank of Old Monroe #10 Freise Industrial Drive, Moscow Mills, MO 63362 A+5.0 ★Texas Ratio: 0.03%	Conventional	11	0.7%	100%	$211,363	View
Together Credit Union 1334 Jeffco Blvd, Arnold, MO 63010 2157 A+5.0 ★Texas Ratio: 4.25%	Conventional, HELOC	10 +9 HELOCs	0.6%	83.3%	$279,000	View
JPMorgan Chase Bank, NA 1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	10 +1 HELOCs	0.6%	90.9%	$281,000	View
Great Southern Bank 6800 S Rock Hill Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 1.55%	Conventional	8	0.5%	72.7%	$161,250	View
Neighbors Credit Union 109 East St, Clarence, MO 63437 A5.0 ★Texas Ratio: 7.12%	Conventional	7	0.4%	50%	$113,571	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1532 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.24%	Conventional, VA, HELOC	5 +9 HELOCs	0.3%	83.3%	$357,000	View
Bank of Springfield 101 Laura K Dr, O Fallon, MO 63366 A5.0 ★Texas Ratio: 13.68%	Conventional	5	0.3%	83.3%	$355,000	View
Arsenal Credit Union 3780 Vogel Rd, Arnold, MO 63010 A5.0 ★Texas Ratio: 8.03%	Conventional, USDA	5	0.3%	100%	$213,000	View
Wells Fargo Bank NA 1 N Jefferson Ave, Saint Louis, MO 63103 A+5.0 ★Texas Ratio: 5.36%	Conventional	5	0.3%	62.5%	$179,000	View
Midwest Bankcentre 1950 Richardson Rd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 5.66%	Conventional	5	0.3%	100%	$267,000	View
Umb Bank NA 827 Arnold Commons Drive, Arnold, MO 63010 A+5.0 ★Texas Ratio: 1.78%	Conventional, HELOC	4 +4 HELOCs	0.2%	100%	$230,000	View
Enterprise Bank & Trust 3944 Vogel Rd, Arnold, MO 63010 A5.0 ★Texas Ratio: 7.31%	Conventional	4	0.2%	100%	$285,000	View
Fcb Banks 1300 Clarkson Clayton Center, Ellisville, MO 63011 A5.0 ★Texas Ratio: 7.31%	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$441,666	View
Peoples Savings Bank 901 Business Highway 61 N, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 2.68%	Conventional	3	0.2%	100%	$178,333	View
Alliance Credit Union 217 N Kingshighway St, Cape Girardeau, MO 63701 A+5.0 ★Texas Ratio: 3.14%	Conventional	3	0.2%	100%	$178,333	View
Busey Bank 17701 Edison Ave, Chesterfield, MO 63005 A+5.0 ★Texas Ratio: 2.31%	Conventional	3	0.2%	75%	$321,666	View
West Community Credit Union 308 S 9th St Ste 114, Columbia, MO 65201 5161 A5.0 ★Texas Ratio: 12.18%	Conventional, HELOC	2 +27 HELOCs	0.1%	100%	$180,000	View
Lindell Bank & Trust Company 169 Long Rd, Chesterfield, MO 63005 A+5.0 ★Texas Ratio: 1.91%	Conventional	2	0.1%	100%	$350,000	View
Bison State Bank 9201 Ward Pkwy, Kansas City, MO 64114 A+5.0 ★Texas Ratio: 2.38%	Conventional	2	0.1%	100%	$290,000	View
Alltru Federal Credit Union 3240 N Highway 67, Florissant, MO 63033 A-4.9 ★Texas Ratio: 16.06%	Conventional	2	0.1%	50%	$155,000	View
Community State Bank of Missouri 104 Bowling Green Parkway, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 1.65%	Conventional	2	0.1%	100%	$125,000	View
First Mid Bank and Trust, NA 7700 Bonhomme Ave, Clayton, MO 63105 A+5.0 ★Texas Ratio: 3.88%	FHA, HELOC	1 +2 HELOCs	0.1%	50%	$55,000	View
Midland States Bank 1920 Richardson Rd, Arnold, MO 63010 A5.0 ★Texas Ratio: 9.50%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$25,000	View
United Bank of Union 1440 Rebel Dr, Union, MO 63084 B-4.4 ★Texas Ratio: 22.38%	Conventional	1	0.1%	100%	$195,000	View
Nbkc Bank 8320 Ward Pkwy, Kansas City, MO 64114	Conventional	1	0.1%	100%	$465,000
Multipli Federal Credit Union 400 E Broadway, Ashland, MO 65010	Conventional	1	0.1%	100%	$175,000	View
Montgomery Bank 11998 Saint Charles Rock Rd, Bridgeton, MO 63044 A+5.0 ★Texas Ratio: 3.43%	Conventional	1	0.1%	100%	$485,000	View
Bank Star 10625 Business 21, Hillsboro, MO 63050 A+5.0 ★Texas Ratio: 2.86%	Conventional	1	0.1%	100%	$275,000	View
Peoples Bank 101 E Pine St, Bourbon, MO 65441 A+5.0 ★Texas Ratio: 1.90%	Conventional	1	0.1%	100%	$25,000	View
Triad Bank 12452 Olive Blvd, Creve Coeur, MO 63141 A+5.0 ★Texas Ratio: 1.51%	Conventional	1	0.1%	100%	$365,000	View
Bank of Franklin County 15928 Manchester Rd, Ellisville, MO 63011 A+5.0 ★Texas Ratio: 3.97%	Conventional	1	0.1%	100%	$295,000	View
Jonesburg State Bank 110 1st St, Jonesburg, MO 63351 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$185,000	View
Simmons Bank 1540 State Highway 248, Branson, MO 65616 A+5.0 ★Texas Ratio: 5.33%	Conventional	1	0.1%	100%	$215,000	View
Bloomsdale Bank 55 Mill Hill Rd, Bloomsdale, MO 63627 A+5.0 ★Texas Ratio: 2.65%	Conventional	1	0.1%	100%	$175,000	View
Encore Bank 3820 S Weller Ave, Springfield, MO 65804 A+5.0 ★Texas Ratio: 1.62%	Conventional	1	0.1%	100%	$525,000	View
Peoples Bank & Trust Co. 106 N Business Hwy 61, Bowling Green, MO 63334 A-5.0 ★Texas Ratio: 14.19%	Conventional	1	0.1%	50%	$75,000	View
First State Community Bank 74 Rue Terre Bonne, Bonne Terre, MO 63628 A5.0 ★Texas Ratio: 6.95%	Conventional	1	0.1%	100%	$275,000	View
Farmers and Merchants Bank of St. Clair 619 Stockell Dr, Eureka, MO 63025 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$285,000	View
Sullivan Bank 700 N Franklin St, Cuba, MO 65453 A-4.9 ★Texas Ratio: 16.43%	Conventional	1	0.1%	100%	$225,000	View
Peoples National Bank, N.A. 6247 Brookside Blvd, Kansas City, MO 64113 A5.0 ★Texas Ratio: 9.39%	Conventional	1	0.1%	100%	$295,000	View
The Missouri Bank 2500 Range Line St, Columbia, MO 65202 A+5.0 ★Texas Ratio: 0.69%	Conventional	1	0.1%	100%	$115,000	View
BMO Harris Bank NA 1060 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +4 HELOCs	0%	n/a		View
Southern Bank 310 N Ruth St, Advance, MO 63730 A5.0 ★Texas Ratio: 6.11%	HELOC	0 +1 HELOCs	0%	n/a		View
Das Acquisition Company, LLC	Conventional, FHA, VA	64	3.8%	97.2%	$258,437
First State Bank of St Charles	Conventional, FHA, VA	56	3.3%	100%	$273,392
Gershman Investment Corp.	Conventional, FHA, VA	47	2.8%	95.9%	$311,170
Mortgage Research Center	Conventional, FHA, VA	27	1.6%	80.6%	$298,333
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional, FHA, VA	25	1.5%	100%	$297,800	View
Jlb Corporation dba Golden Oak Lending	Conventional, FHA	20	1.2%	95.2%	$285,500
Endeavor Capital, LLC	Conventional, FHA	19	1.1%	95%	$280,263
Family Finance Mortgage LLC	Conventional, VA	6	0.4%	100%	$286,666
Access Capital Funding LLC	Conventional, FHA, VA	6	0.4%	100%	$386,666
US Wide Financial LLC	Conventional	5	0.3%	100%	$375,000
Mortgage Solutions, LLC	Conventional	4	0.2%	100%	$225,000
Community Mortgage, LLC	Conventional, FHA	3	0.2%	100%	$268,333
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	2	0.1%	100%	$490,000	View
Gateway Metro Federal Credit U	Conventional	2	0.1%	100%	$60,000
First Missouri State Bank of Cape County	Conventional	1	0.1%	100%	$275,000
Frontier Financial, Inc. DBA Frontier Mortgage	Conventional	1	0.1%	100%	$415,000
Ozarks Federal Savings and Loan	Conventional	1	0.1%	100%	$155,000
Rocket Mortgage A5.0 ★Texas Ratio: 7.45%	Conventional, FHA, VA	99	5.9%	82.8%	$252,070	View
Guild Mortgage Company	Conventional, FHA, VA	96	5.7%	98.1%	$265,312
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	88 +5 HELOCs	5.2%	93.7%	$298,636
New American Funding, LLC.	Conventional, FHA, VA, HELOC	83 +3 HELOCs	4.9%	96.5%	$276,686
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA	41	2.4%	95.3%	$291,097
Pennymac Loan Services LLC	Conventional, FHA, VA	35	2.1%	85.7%	$251,000
Freedom Mortgage Corporation	Conventional, FHA, VA	32	1.9%	94.4%	$299,375
Nations Lending Corporation	Conventional, FHA, VA	28	1.7%	100%	$214,285
Newrez LLC	Conventional, FHA, VA	21	1.2%	61.1%	$260,714
American Pacific Mortgage Corporation	Conventional, FHA, VA	19	1.1%	100%	$340,789
Nationstar Mortgage	Conventional, FHA	19	1.1%	79.2%	$147,631
Geneva Financial LLC	Conventional, FHA	18	1.1%	100%	$209,444
loanDepot.com LLC	Conventional, FHA, VA	16	0.9%	64%	$150,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	14	0.8%	93.8%	$300,000
Fairway Independent Mort Corp	Conventional, FHA, VA	14	0.8%	93.3%	$283,571
First Horizon Bank ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76%	Conventional, FHA	12	0.7%	92.3%	$240,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	11	0.7%	33.3%	$93,181
Leaderone Financial Corp.	Conventional	11	0.7%	91.7%	$274,090
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	10 +1 HELOCs	0.6%	100%	$236,000
Scott Credit Union	Conventional, FHA, HELOC	10 +1 HELOCs	0.6%	100%	$353,000
Envoy Mortgage, Ltd	Conventional, FHA	9	0.5%	100%	$340,555
Spring Eq, LLC	Conventional	9	0.5%	58.8%	$90,555
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	8 +3 HELOCs	0.5%	88.9%	$260,000
Prosperity Home Mortgage, LLC	Conventional, FHA	8	0.5%	80%	$293,750
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	7 +1 HELOCs	0.4%	100%	$326,428
Guaranteed Rate, Inc.	Conventional, FHA, VA	7	0.4%	87.5%	$270,714
AmeriHome Mortgage Company, LLC	Conventional, FHA	7	0.4%	100%	$303,571
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	7	0.4%	100%	$313,571	View
Amerisave Mortgage Company	Conventional, FHA	6	0.4%	25.9%	$126,666
Discover Bank	Conventional	6	0.4%	40%	$71,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	6	0.4%	85.7%	$375,000	View
Everett Financial, Inc.	Conventional, FHA	5	0.3%	100%	$161,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	5	0.3%	100%	$311,000	View
Plaza Home Mortgage, Inc	Conventional, FHA, VA	5	0.3%	83.3%	$313,000
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	5	0.3%	100%	$321,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	4	0.2%	100%	$387,500	View
Sun West Mortgage Company, Inc	Conventional, FHA, VA	4	0.2%	100%	$292,500
Zillow Home Loans, LLC	Conventional	4	0.2%	100%	$242,500
Lower, LLC	Conventional, FHA	4	0.2%	80%	$177,500
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	4	0.2%	66.7%	$285,000	View
21St Mortgage	Conventional	4	0.2%	36.4%	$60,000
Communityamerica Federal Credit Union	Conventional, HELOC	3 +3 HELOCs	0.2%	100%	$208,333
Sage Home Loans Corporation	Conventional	3	0.2%	100%	$281,666
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 1.51%	Conventional	3	0.2%	41.7%	$105,000	View
American Financial Network, Inc.	Conventional, FHA	3	0.2%	100%	$245,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional	3	0.2%	100%	$328,333	View
Planet Home Lending, LLC	FHA, VA	3	0.2%	100%	$338,333
Provident Funding Associates	Conventional	3	0.2%	100%	$448,333
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA, VA	3	0.2%	100%	$368,333	View
Towne Mortgage Company A-4.9 ★Texas Ratio: 16.23%	Conventional, FHA	3	0.2%	100%	$278,333	View
1St Midamerica Credit Union	Conventional	3	0.2%	100%	$275,000
The Loan Store, Inc	Conventional	3	0.2%	100%	$251,666
Carrington Mortgage Services LLC	Conventional, VA	3	0.2%	42.9%	$178,333
Village Capital & Investment	FHA, VA	3	0.2%	66.7%	$341,666
Cornerstone First Mortgage, LLC	Conventional, FHA	2	0.1%	50%	$200,000
Premier Mortgage Resources, LLC	Conventional	2	0.1%	100%	$210,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	2	0.1%	100%	$590,000	View
Royal United Mortgage LLC	Conventional	2	0.1%	66.7%	$115,000
Primelending	Conventional	2	0.1%	100%	$265,000
Lakeview Loan Servicing, LLC	Conventional	2	0.1%	26.3%	$50,000
Success Lending, LLC A+5.0 ★Texas Ratio: 3.62%	Conventional, FHA	2	0.1%	100%	$235,000	View
Kind Lending, LLC	Conventional, FHA	2	0.1%	100%	$125,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, VA	2	0.1%	66.7%	$305,000	View
Golden Empire Mortgage, Inc.	Conventional	2	0.1%	100%	$200,000
Movement Mortgage, LLC	VA	2	0.1%	100%	$390,000
PHH Mortgage Corporation	Conventional, FHA	2	0.1%	66.7%	$350,000
Click n' Close, Inc.	Conventional, FHA	2	0.1%	100%	$450,000
First Option Mortgage, LLC A4.5 ★Texas Ratio: 2.64%	Conventional	2	0.1%	100%	$370,000	View
Churchill Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$215,000
T2 Financial LLC	Conventional, VA	2	0.1%	100%	$365,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, VA	2	0.1%	100%	$400,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.1%	50%	$95,000	View
Flanagan State Bank A4.7 ★Texas Ratio: 2.58%	Conventional	2	0.1%	100%	$300,000	View
Top Flite Financial, Inc.	FHA	2	0.1%	100%	$220,000
Valon Mortgage A5.0 ★Texas Ratio: 6.08%	Conventional, HELOC	1 +7 HELOCs	0.1%	100%	$185,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +4 HELOCs	0.1%	50%	$85,000	View
Goodleap, LLC	FHA, HELOC	1 +2 HELOCs	0.1%	100%	$355,000
Pentagon Federal Credit Union	VA, HELOC	1 +1 HELOCs	0.1%	50%	$355,000
Better Mortgage Corporation A-5.0 ★Texas Ratio: 14.33%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$305,000	View
Alliant Credit Union A+5.0 ★Texas Ratio: 3.14%	Conventional	1	0.1%	100%	$305,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$255,000	View
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	VA	1	0.1%	100%	$345,000	View
Liberty Federal Credit Union ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12%	Conventional	1	0.1%	100%	$305,000	View
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$345,000
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0.1%	100%	$365,000
Equity Prime Mortgage LLC	FHA	1	0.1%	50%	$85,000
TruHome Solutions, LLC	FHA	1	0.1%	100%	$245,000
Dart Bank	Conventional	1	0.1%	100%	$265,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	50%	$475,000	View
Data Mortgage, Inc	FHA	1	0.1%	100%	$435,000
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional	1	0.1%	100%	$245,000	View
American Financing Corporation	Conventional	1	0.1%	25%	$435,000
Union Home Mortgage Corp.	FHA	1	0.1%	100%	$165,000
SIRVA Mortgage, Inc.	Conventional	1	0.1%	100%	$565,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0.1%	100%	$205,000	View
Transportation Federal Credit Union	Conventional	1	0.1%	100%	$85,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$425,000	View
Peoples Bank B4.4 ★Texas Ratio: 21.68%	VA	1	0.1%	100%	$195,000	View
Empeople Credit Union	Conventional	1	0.1%	100%	$395,000
Megastar Finanacial Corp	Conventional	1	0.1%	100%	$335,000
Kaw Valley Bank A+5.0 ★Texas Ratio: 0.03%	Conventional	1	0.1%	100%	$305,000	View
Digital Federal Credit Union	Conventional	1	0.1%	100%	$45,000
American Commercial Bank & Trust, National Association A+5.0 ★Texas Ratio: 3.75%	Conventional	1	0.1%	100%	$245,000	View
Mortgage Solutions of Colorado	Conventional	1	0.1%	100%	$405,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$245,000
Republic Bank & Trust A+5.0 ★Texas Ratio: 2.91%	Conventional	1	0.1%	100%	$245,000	View
Ardent Federal Credit Union A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.1%	100%	$35,000	View
Bankers' Bank A5.0 ★Texas Ratio: 7.37%	Conventional	1	0.1%	100%	$315,000	View
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	Conventional	1	0.1%	100%	$335,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	1	0.1%	100%	$235,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$325,000	View
Toyota Financial Savings Bank	Conventional	1	0.1%	100%	$475,000
HomeBridge Financial Services, Inc A+5.0 ★Texas Ratio: 3.74%	HELOC	0 +5 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Cadence Bank	HELOC	0 +1 HELOCs	0%	n/a
Boeing Employees' Credit Union	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.

St. Charles 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 St. Charles, Missouri

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

Types of Mortgage Lenders in St. Charles, MO

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

Mortgage companies and brokers 85 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 80 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 61 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 47 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Local lenders based in MO 55 lenders headquartered in Missouri, the closest thing to a mortgage lender near you

Who Lends in St. Charles, MO

Independent mortgage companies closed 66.5 percent of home loans in St. Charles, Missouri in 2025, banks 26.1 percent and credit unions 7.4 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, Stifel Bank & Trust the largest bank and First Community Credit Union the largest credit union. Among lenders headquartered in Missouri, Flat Branch Mortgage, Inc. led with 84 loans.

66.5%

Mortgage companies

26.1%

Banks

7.4%

Credit unions

12%

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 O'Fallon 190 lenders Columbia 199 lenders Independence 188 lenders Lee's Summit 206 lenders St. Peters 174 lenders Wentzville 169 lenders St. Joseph 127 lenders Blue Springs 178 lenders Florissant 143 lenders

Frequently Asked Questions About Mortgage Lenders in St. Charles, MO

Who is the largest mortgage lender in St. Charles, MO?

By home loans closed in 2025, Flat Branch Mortgage, Inc. was the largest mortgage lender in St. Charles, Missouri with 84 loans, about 5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in St. Charles, MO have the highest approval rates?

Among lenders with meaningful volume in St. Charles, Missouri, Flat Branch Mortgage, Inc. approved the highest share of completed applications in 2025 at 100 percent, against a 85.5 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 St. Charles, MO mortgage lenders offer FHA, VA and USDA loans?

61 lenders closed FHA loans in St. Charles, Missouri in 2025, led by New American Funding, LLC. with 16. 47 lenders closed VA loans, led by Mortgage Research Center, and 2 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.

Are credit unions and local banks included in this St. Charles, MO lender list?

Yes. 80 banks and 24 credit unions closed home loans in St. Charles, Missouri in 2025, alongside 85 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 St. Charles, MO ranked on this page?

Lenders are ranked only by the number of home loans they closed in St. Charles, 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 St. Charles, 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 St. Charles. 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.