Mortgage Lenders and Brokers in St. Joseph, 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. Joseph, Missouri mortgage lenders include The Nodaway Valley BankThe Nodaway Valley Bank304 N Main St, Maryville, MO 64468A+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%, Commerce BankCommerce Bank10185 Gravois Rd, Affton, MO 63123A+5.0 ★Texas Ratio: 0.89%, HNB National BankHNB National Bank700 Business Highway 61 N, Bowling Green, MO 63334A+5.0 ★Texas Ratio: 0.35%, Flat Branch Mortgage, Inc.Flat Branch Mortgage, Inc.803 Wollard Blvd, Richmond, MO 64085A+5.0 ★Texas Ratio: 0.00%, Umb Bank NAUmb Bank NA827 Arnold Commons Drive, Arnold, MO 63010A+5.0 ★Texas Ratio: 1.78%, Farmers State BankFarmers State Bank416 N Walnut St, Cameron, MO 64429, Arvest BankArvest Bank607 Highway 71 North, Anderson, MO 64831A5.0 ★Texas Ratio: 7.48%, United Community BankUnited Community Bank123 W Lafayette St, Palmyra, MO 63461A+5.0 ★Texas Ratio: 2.53%, and Nbkc BankNbkc Bank8320 Ward Pkwy, Kansas City, MO 64114. 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. Joseph, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Joseph 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. Joseph, Missouri
Market share is the lender's share of all home loans closed in St. Joseph, 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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304 N Main St, Maryville, MO 64468 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 99 | 6.9% | 88.6% | $113,181 | View |
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1543 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, HELOC | 89 +20 HELOCs |
6.2% | 83.6% | $158,258 | View |
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10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89% |
Conventional, HELOC | 27 +25 HELOCs |
1.9% | 51.9% | $113,518 | View |
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700 Business Highway 61 N, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 0.35% |
Conventional | 23 | 1.6% | 83.9% | $161,086 | View |
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803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA | 18 | 1.2% | 90% | $182,222 | View |
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827 Arnold Commons Drive, Arnold, MO 63010 A+5.0 ★Texas Ratio: 1.78% |
Conventional, Jumbo, HELOC | 16 +9 HELOCs |
1.1% | 80% | $203,125 | View |
Farmers State Bank
416 N Walnut St, Cameron, MO 64429 |
Conventional | 12 | 0.8% | 80% | $152,500 | |
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607 Highway 71 North, Anderson, MO 64831 A5.0 ★Texas Ratio: 7.48% |
Conventional, FHA, VA | 11 | 0.8% | 100% | $249,545 | View |
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123 W Lafayette St, Palmyra, MO 63461 A+5.0 ★Texas Ratio: 2.53% |
Conventional | 10 | 0.7% | 100% | $133,000 | View |
Nbkc Bank
8320 Ward Pkwy, Kansas City, MO 64114 |
Conventional, FHA, VA | 8 | 0.6% | 88.9% | $310,000 | |
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1100 NW Outer Road, Blue Springs, MO 64015 A+5.0 ★Texas Ratio: 2.90% |
Conventional, HELOC | 7 +2 HELOCs |
0.5% | 72.7% | $116,428 | View |
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2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49% |
Conventional, FHA | 7 | 0.5% | 100% | $235,000 | View |
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310 N Ruth St, Advance, MO 63730 A5.0 ★Texas Ratio: 6.11% |
Conventional, Jumbo | 5 | 0.3% | 83.3% | $257,000 | View |
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202 E North Ave, Belton, MO 64012 A+5.0 ★Texas Ratio: 4.82% |
Conventional | 4 | 0.3% | 80% | $187,500 | View |
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405 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 3.12% |
Conventional, FHA | 3 | 0.2% | 100% | $225,000 | View |
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321 S Us Highway 169, Gower, MO 64454 A5.0 ★Texas Ratio: 7.97% |
Conventional | 3 | 0.2% | 100% | $125,000 | View |
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651 Ne Coronado Dr, Blue Springs, MO 64014 A5.0 ★Texas Ratio: 6.60% |
Conventional, HELOC | 2 +5 HELOCs |
0.1% | 100% | $150,000 | View |
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1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 2 | 0.1% | 100% | $350,000 | View |
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101 E Us Highway 136, Albany, MO 64402 A5.0 ★Texas Ratio: 6.76% |
Conventional | 2 | 0.1% | 100% | $125,000 | View |
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1111 E 23rd St S, Independence, MO 64055 A5.0 ★Texas Ratio: 6.33% |
Conventional | 2 | 0.1% | 100% | $165,000 | View |
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2443 Nw Prairie View Rd, Platte City, MO 64079 A+5.0 ★Texas Ratio: 1.06% |
Conventional | 2 | 0.1% | 66.7% | $85,000 | View |
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301 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.1% | 100% | $185,000 | View |
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600 Ne Coronado Dr, Blue Springs, MO 64014 A+5.0 ★Texas Ratio: 5.08% |
FHA | 2 | 0.1% | 100% | $235,000 | View |
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3309 Miller St, Bethany, MO 64424 A+5.0 ★Texas Ratio: 1.34% |
Conventional | 2 | 0.1% | 66.7% | $190,000 | View |
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125 Southwest Blvd, Kansas City, MO 64108 A+5.0 ★Texas Ratio: 1.05% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $185,000 | View |
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1301 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $265,000 | View |
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495 S Springfield Ave, Bolivar, MO 65613 A5.0 ★Texas Ratio: 9.58% |
Conventional | 1 | 0.1% | 50% | $115,000 | View |
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1535 N Campbell Ave, Springfield, MO 65803 B4.6 ★Texas Ratio: 19.27% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
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1334 Jeffco Blvd, Arnold, MO 63010 2157 A+5.0 ★Texas Ratio: 4.25% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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1 N Jefferson Ave, Saint Louis, MO 63103 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.1% | 50% | $125,000 | View |
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501 N Broadway, Saint Louis, MO 63102 A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
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710 Oak St, Lathrop, MO 64465 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.1% | 50% | $95,000 | View |
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1910 Main St, Boonville, MO 65233 A+5.0 ★Texas Ratio: 3.14% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
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1060 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Mortgage Research Center
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Conventional, FHA, VA | 39 | 2.7% | 78% | $246,538 | |
Endeavor Capital, LLC
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Conventional, FHA, VA | 20 | 1.4% | 95.2% | $231,500 | |
Community Mortgage, LLC
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Conventional, FHA | 7 | 0.5% | 100% | $202,142 | |
First State Bank of St Charles
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Conventional, FHA, VA | 4 | 0.3% | 100% | $237,500 | |
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A+5.0 ★Texas Ratio: 5.29% |
FHA | 2 | 0.1% | 100% | $155,000 | View |
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A+5.0 ★Texas Ratio: 0.67% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
Gershman Investment Corp.
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VA | 1 | 0.1% | 50% | $325,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 245 | 17% | 95.3% | $147,122 | |
Primelending
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Conventional, FHA, VA | 150 | 10.4% | 96.4% | $144,933 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional, FHA, VA | 126 | 8.7% | 83.6% | $135,793 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 52 | 3.6% | 93% | $180,192 | |
Leaderone Financial Corp.
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Conventional, FHA, VA | 47 | 3.3% | 87% | $164,148 | |
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A4.7 ★Texas Ratio: 2.58% |
Conventional, FHA, VA | 29 | 2% | 90.6% | $198,103 | View |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 27 | 1.9% | 94.4% | $216,111 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 25 +1 HELOCs |
1.7% | 65% | $131,400 | |
Nationstar Mortgage
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Conventional, FHA, VA | 23 | 1.6% | 79.3% | $99,347 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 21 | 1.5% | 81.5% | $170,238 | |
American Portfolio Mortgage Corporation
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Conventional, FHA, VA | 19 | 1.3% | 100% | $192,894 | |
Guild Mortgage Company
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Conventional, FHA | 17 | 1.2% | 100% | $162,058 | |
Communityamerica Federal Credit Union
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Conventional, FHA, HELOC | 13 +5 HELOCs |
0.9% | 100% | $202,692 | |
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A4.5 ★Texas Ratio: 2.64% |
Conventional | 11 | 0.8% | 92.3% | $101,363 | View |
Amerisave Mortgage Company
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Conventional, FHA | 10 | 0.7% | 40% | $90,000 | |
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A5.0 ★Texas Ratio: 6.15% |
Conventional, FHA, VA | 9 | 0.6% | 100% | $219,444 | View |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 9 | 0.6% | 88.2% | $133,888 | |
Newrez LLC
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Conventional, FHA, VA | 9 | 0.6% | 60% | $153,888 | |
M Squared Financial LLC
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Conventional, FHA | 8 | 0.6% | 100% | $200,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 7 | 0.5% | 46.7% | $119,285 | |
Spring Eq, LLC
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Conventional, HELOC | 6 +3 HELOCs |
0.4% | 53.8% | $40,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +1 HELOCs |
0.4% | 66.7% | $168,333 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 6 | 0.4% | 100% | $196,666 | |
Royal United Mortgage LLC
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Conventional, FHA | 5 | 0.3% | 83.3% | $79,000 | |
Click n' Close, Inc.
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Conventional, FHA | 5 | 0.3% | 100% | $117,000 | |
Megastar Finanacial Corp
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Conventional, FHA | 5 | 0.3% | 83.3% | $123,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 5 | 0.3% | 100% | $155,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 4 | 0.3% | 100% | $200,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 4 | 0.3% | 80% | $200,000 | View |
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A+5.0 ★Texas Ratio: 2.07% |
Conventional, VA | 4 | 0.3% | 80% | $232,500 | View |
Zillow Home Loans, LLC
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Conventional, FHA | 4 | 0.3% | 100% | $175,000 | |
Village Capital & Investment
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FHA, VA | 4 | 0.3% | 80% | $152,500 | |
Guaranteed Rate, Inc.
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Conventional, FHA, HELOC | 3 +1 HELOCs |
0.2% | 75% | $198,333 | |
Goodleap, LLC
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FHA, VA, HELOC | 3 +1 HELOCs |
0.2% | 80% | $158,333 | |
Mortgage Investment Services Corporation
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FHA | 3 | 0.2% | 100% | $221,666 | |
Canopy Mortgage, LLC
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FHA | 3 | 0.2% | 100% | $221,666 | |
Synergy One Lending, Inc.
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Conventional, FHA | 3 | 0.2% | 100% | $135,000 | |
Mutual Savings Association
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Conventional | 3 | 0.2% | 100% | $211,666 | |
New American Funding, LLC.
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FHA, HELOC | 2 +3 HELOCs |
0.1% | 40% | $130,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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Conventional, FHA | 2 | 0.1% | 66.7% | $90,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
FHA | 2 | 0.1% | 100% | $125,000 | View |
American Financial Resources LLC
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Conventional, FHA | 2 | 0.1% | 100% | $100,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.1% | 100% | $120,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, VA | 2 | 0.1% | 50% | $265,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 2 | 0.1% | 50% | $130,000 | View |
American Financial Network, Inc.
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FHA | 2 | 0.1% | 100% | $250,000 | |
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A+5.0 ★Texas Ratio: 3.74% |
VA | 2 | 0.1% | 66.7% | $300,000 | View |
Discover Bank
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Conventional | 2 | 0.1% | 25% | $95,000 | |
Sun West Mortgage Company, Inc
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Conventional, FHA | 2 | 0.1% | 100% | $70,000 | |
Union Home Mortgage Corp.
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FHA | 2 | 0.1% | 100% | $170,000 | |
New Day Financial, LLC.
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VA | 2 | 0.1% | 28.6% | $170,000 | |
Churchill Mortgage Corporation
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Conventional | 2 | 0.1% | 100% | $225,000 | |
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A5.0 ★Texas Ratio: 11.33% |
Conventional | 2 | 0.1% | 80% | $145,000 | View |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.1% | 50% | $175,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.1% | 66.7% | $105,000 | |
Lower, LLC
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Conventional, FHA | 2 | 0.1% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 2 | 0.1% | 100% | $330,000 | View |
Panorama Mortgage Group, LLC
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Conventional | 1 | 0.1% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 13.21% |
VA | 1 | 0.1% | 100% | $395,000 | View |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.1% | 100% | $235,000 | |
Everett Financial, Inc.
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FHA | 1 | 0.1% | 100% | $195,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $245,000 | |
United Trust Bank
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VA | 1 | 0.1% | 100% | $215,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.1% | 66.7% | $285,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
FHA | 1 | 0.1% | 50% | $165,000 | View |
Nqm Funding, LLC
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Conventional | 1 | 0.1% | 100% | $185,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
FHA | 1 | 0.1% | 100% | $175,000 | View |
MLB Residential Lending, LLC
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FHA | 1 | 0.1% | 100% | $255,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.1% | 100% | $35,000 | |
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A+5.0 ★Texas Ratio: 0.88% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
Planet Home Lending, LLC
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VA | 1 | 0.1% | 50% | $315,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.1% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 1.16% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
American Pacific Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.1% | 100% | $255,000 | View |
Veridian Credit Union
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Conventional | 1 | 0.1% | 100% | $255,000 | |
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A-4.9 ★Texas Ratio: 16.23% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
Mortgage Solutions of Colorado
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FHA | 1 | 0.1% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
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A4.9 ★Texas Ratio: 9.62% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.1% | 100% | $225,000 | View |
Texana Bank
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FHA | 1 | 0.1% | 100% | $205,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.1% | 100% | $145,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.1% | 50% | $85,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
Figure Lending LLC
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HELOC | 0 +10 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.08% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Connexus Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Savings Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
St. Joseph 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. Joseph, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in St. Joseph? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Joseph in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Joseph, MO
Use these to narrow the list above. Each category shows how many St. Joseph, MO lenders fit and what that kind of lender is usually best for.
Who Lends in St. Joseph, MO
Independent mortgage companies closed 57.8 percent of home loans in St. Joseph, Missouri in 2025, banks 40.4 percent and credit unions 1.9 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, The Nodaway Valley Bank the largest bank and United Consumers Credit Union the largest credit union. Among lenders headquartered in Missouri, The Nodaway Valley Bank led with 99 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. Joseph, MO
By home loans closed in 2025, The Nodaway Valley Bank was the largest mortgage lender in St. Joseph, Missouri with 99 loans, about 6.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in St. Joseph, Missouri, Primelending approved the highest share of completed applications in 2025 at 96.4 percent, against a 85.4 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.
63 lenders closed FHA loans in St. Joseph, Missouri in 2025, led by Fairway Independent Mort Corp with 78. 37 lenders closed VA loans, led by Mortgage Research Center. 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. 56 banks and 11 credit unions closed home loans in St. Joseph, Missouri in 2025, alongside 66 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. Joseph, 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. Joseph, 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. Joseph. 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.
