Mortgage Lenders and Brokers in St. Clair, 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
St. Clair, Missouri mortgage lenders include Sullivan BankSullivan Bank700 N Franklin St, Cuba, MO 65453A-4.9 ★Texas Ratio: 16.43%, United Bank of UnionUnited Bank of Union1440 Rebel Dr, Union, MO 63084B-4.4 ★Texas Ratio: 22.38%, Farmers and Merchants Bank of St. ClairFarmers and Merchants Bank of St. Clair619 Stockell Dr, Eureka, MO 63025A+5.0 ★Texas Ratio: 0.00%, 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 Community Credit UnionFirst Community Credit Union1722 Missouri State Rd, Arnold, MO 63010 2006A+5.0 ★Texas Ratio: 3.75%, First State Community BankFirst State Community Bank74 Rue Terre Bonne, Bonne Terre, MO 63628A5.0 ★Texas Ratio: 6.95%, Peoples BankPeoples Bank101 E Pine St, Bourbon, MO 65441A+5.0 ★Texas Ratio: 1.90%, Bank of Franklin CountyBank of Franklin County15928 Manchester Rd, Ellisville, MO 63011A+5.0 ★Texas Ratio: 3.97%, and State BankState Bank6969 S Lindbergh Blvd, Saint Louis, MO 63125C+4.1 ★Texas Ratio: 25.55%. 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. Clair, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Clair 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. Clair, Missouri
Market share is the lender's share of all home loans closed in St. Clair, 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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700 N Franklin St, Cuba, MO 65453 A-4.9 ★Texas Ratio: 16.43% |
Conventional | 19 | 9.3% | 100% | $211,842 | View |
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1440 Rebel Dr, Union, MO 63084 B-4.4 ★Texas Ratio: 22.38% |
Conventional | 16 | 7.8% | 94.1% | $180,625 | View |
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619 Stockell Dr, Eureka, MO 63025 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 12 | 5.9% | 86.7% | $121,666 | View |
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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, USDA | 8 | 3.9% | 100% | $186,250 | View |
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1543 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 6 +2 HELOCs |
2.9% | 66.7% | $116,666 | View |
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1722 Missouri State Rd, Arnold, MO 63010 2006 A+5.0 ★Texas Ratio: 3.75% |
Conventional, HELOC | 6 +1 HELOCs |
2.9% | 66.7% | $171,666 | View |
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74 Rue Terre Bonne, Bonne Terre, MO 63628 A5.0 ★Texas Ratio: 6.95% |
Conventional, FHA, HELOC | 3 +3 HELOCs |
1.5% | 75% | $268,333 | View |
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101 E Pine St, Bourbon, MO 65441 A+5.0 ★Texas Ratio: 1.90% |
Conventional | 2 | 1% | 66.7% | $55,000 | View |
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15928 Manchester Rd, Ellisville, MO 63011 A+5.0 ★Texas Ratio: 3.97% |
Conventional | 2 | 1% | 100% | $135,000 | View |
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6969 S Lindbergh Blvd, Saint Louis, MO 63125 C+4.1 ★Texas Ratio: 25.55% |
Conventional | 2 | 1% | 100% | $390,000 | View |
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11915 Saint Charles Rock Rd, Bridgeton, MO 63044 A+5.0 ★Texas Ratio: 4.97% |
Conventional | 2 | 1% | 100% | $235,000 | View |
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1334 Jeffco Blvd, Arnold, MO 63010 2157 A+5.0 ★Texas Ratio: 4.25% |
Conventional | 2 | 1% | 100% | $85,000 | View |
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1920 Richardson Rd, Arnold, MO 63010 A5.0 ★Texas Ratio: 9.50% |
Conventional | 2 | 1% | 100% | $90,000 | View |
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101 South Main St, Chamois, MO 65024 B4.5 ★Texas Ratio: 21.03% |
Conventional | 2 | 1% | 100% | $155,000 | View |
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405 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 3.12% |
Conventional, FHA | 2 | 1% | 100% | $275,000 | View |
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1301 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $155,000 | View |
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1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $125,000 | View |
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1300 Clarkson Clayton Center, Ellisville, MO 63011 A5.0 ★Texas Ratio: 7.31% |
Conventional | 1 | 0.5% | 100% | $315,000 | View |
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7701 Forsyth Blvd, Clayton, MO 63105 D3.5 ★Texas Ratio: 33.34% |
Conventional | 1 | 0.5% | 100% | $195,000 | View |
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6800 S Rock Hill Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 1.55% |
Conventional | 1 | 0.5% | 100% | $425,000 | View |
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3240 N Highway 67, Florissant, MO 63033 A-4.9 ★Texas Ratio: 16.06% |
Conventional | 1 | 0.5% | 100% | $335,000 | View |
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501 N Broadway, Saint Louis, MO 63102 A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.5% | 100% | $335,000 | View |
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#10 Freise Industrial Drive, Moscow Mills, MO 63362 A+5.0 ★Texas Ratio: 0.03% |
Conventional | 1 | 0.5% | 100% | $85,000 | View |
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204 206 Alvarado Avenue, Belle, MO 65013 A+5.0 ★Texas Ratio: 2.10% |
Conventional | 1 | 0.5% | 100% | $115,000 | 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 +2 HELOCs |
0% | n/a | View | |
Das Acquisition Company, LLC
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Conventional, FHA, VA, USDA | 8 | 3.9% | 100% | $207,500 | |
First State Bank of St Charles
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Conventional, FHA, VA | 5 | 2.5% | 100% | $229,000 | |
FCS Financial FLCA
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Conventional | 4 | 2% | 100% | $255,000 | |
Gershman Investment Corp.
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Conventional, FHA | 4 | 2% | 100% | $167,500 | |
Jlb Corporation dba Golden Oak Lending
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Conventional, FHA | 3 | 1.5% | 100% | $221,666 | |
Endeavor Capital, LLC
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FHA, USDA | 3 | 1.5% | 100% | $178,333 | |
Mortgage Research Center
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FHA, VA | 2 | 1% | 75% | $230,000 | |
Access Capital Funding LLC
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FHA | 1 | 0.5% | 100% | $175,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.5% | 100% | $185,000 | |
Guild Mortgage Company
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Conventional, FHA, VA, USDA | 15 | 7.4% | 94.4% | $221,000 | |
loanDepot.com LLC
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Conventional, FHA | 6 | 2.9% | 100% | $98,333 | |
United Wholesale Mortgage
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Conventional, HELOC | 5 +1 HELOCs |
2.5% | 100% | $231,000 | |
Premier Mortgage Resources, LLC
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Conventional, FHA, USDA | 5 | 2.5% | 83.3% | $125,000 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 3 +1 HELOCs |
1.5% | 100% | $231,666 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.5% | 80% | $188,333 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1% | 100% | $85,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 2 | 1% | 100% | $100,000 | View |
Click n' Close, Inc.
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Conventional, FHA | 2 | 1% | 100% | $110,000 | |
Planet Home Lending, LLC
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FHA | 2 | 1% | 100% | $180,000 | |
Geneva Financial LLC
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Conventional | 2 | 1% | 100% | $135,000 | |
Goodleap, LLC
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FHA, HELOC | 1 +1 HELOCs |
0.5% | 100% | $335,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 33.3% | $155,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.5% | 50% | $145,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.5% | 100% | $515,000 | View |
American Financial Resources LLC
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VA | 1 | 0.5% | 100% | $115,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.5% | 100% | $445,000 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional | 1 | 0.5% | 16.7% | $485,000 | View |
Newrez LLC
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Conventional | 1 | 0.5% | 25% | $315,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $135,000 | |
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D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.5% | 100% | $325,000 | View |
American Financial Network, Inc.
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FHA | 1 | 0.5% | 100% | $135,000 | |
ResMac Inc
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VA | 1 | 0.5% | 100% | $205,000 | |
Discover Bank
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Conventional | 1 | 0.5% | 100% | $45,000 | |
New Day Financial, LLC.
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VA | 1 | 0.5% | 33.3% | $195,000 | |
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A4.5 ★Texas Ratio: 2.64% |
FHA | 1 | 0.5% | 100% | $125,000 | View |
Servis One, Inc
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VA | 1 | 0.5% | 100% | $205,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 100% | $145,000 | |
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A-4.9 ★Texas Ratio: 16.23% |
FHA | 1 | 0.5% | 100% | $185,000 | View |
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A-5.0 ★Texas Ratio: 14.33% |
Conventional | 1 | 0.5% | 100% | $75,000 | View |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.5% | 100% | $215,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 100% | $405,000 | |
Lower, LLC
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FHA | 1 | 0.5% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
USDA | 1 | 0.5% | 100% | $135,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.5% | 100% | $105,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.5% | 100% | $335,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.5% | 100% | $135,000 | View |
21St Mortgage
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Conventional | 1 | 0.5% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $75,000 | View |
Carrington Mortgage Services LLC
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USDA | 1 | 0.5% | 33.3% | $265,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.5% | 50% | $65,000 | |
Leaderone Financial Corp.
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FHA | 1 | 0.5% | 100% | $255,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a |
St. Clair 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 St. Clair, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in St. Clair? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Clair in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Clair, MO
Use these to narrow the list above. Each category shows how many St. Clair, MO lenders fit and what that kind of lender is usually best for.
Who Lends in St. Clair, MO
Independent mortgage companies closed 50 percent of home loans in St. Clair, Missouri in 2025, banks 44.1 percent and credit unions 5.9 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, Sullivan Bank the largest bank and First Community Credit Union the largest credit union. Among lenders headquartered in Missouri, Sullivan Bank led with 19 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 St. Clair, MO
By home loans closed in 2025, Sullivan Bank was the largest mortgage lender in St. Clair, Missouri with 19 loans, about 9.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in St. Clair, Missouri in 2025, led by Flat Branch Mortgage, Inc. with 4. 12 lenders closed VA loans, led by Freedom Mortgage Corporation, and 7 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. 29 banks and 5 credit unions closed home loans in St. Clair, Missouri in 2025, alongside 43 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 St. Clair, 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. Clair, 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. Clair. 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.
