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Mortgage Lenders and Brokers in St. Louis, Missouri

Content reviewed by

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

St. Louis, Missouri mortgage lenders include Stifel Bank & TrustStifel Bank & Trust501 N Broadway, Saint Louis, MO 63102A-4.8 ★Texas Ratio: 12.33%, Midwest BankcentreMidwest Bankcentre1950 Richardson Rd, Arnold, MO 63010A+5.0 ★Texas Ratio: 5.66%, Jlb Corporation dba Golden Oak LendingJlb Corporation dba Golden Oak LendingSt. Louis, MO, The Central Trust BankThe Central Trust Bank405 E Broadway, Ashland, MO 65010A+5.0 ★Texas Ratio: 3.12%, 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%, Together Credit UnionTogether Credit Union1334 Jeffco Blvd, Arnold, MO 63010 2157A+5.0 ★Texas Ratio: 4.25%, First Community Credit UnionFirst Community Credit Union1722 Missouri State Rd, Arnold, MO 63010 2006A+5.0 ★Texas Ratio: 3.75%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1314 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 3.68%, and Carrollton BankCarrollton Bank1925 Richardson Rd, Arnold, MO 63010A+5.0 ★Texas Ratio: 3.58%. 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. Louis, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Louis 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. Louis, Missouri

Market share is the lender's share of all home loans closed in St. Louis, 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
Stifel Bank & Trust 501 N Broadway, Saint Louis, MO 63102 A-4.8 ★Texas Ratio: 12.33%	Conventional, FHA, VA, HELOC	131 +3 HELOCs	3.4%	98.5%	$267,290	View
Midwest Bankcentre 1950 Richardson Rd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 5.66%	Conventional, FHA	27	0.7%	96.4%	$263,148	View
Jlb Corporation dba Golden Oak Lending	Conventional, FHA	20	0.5%	95.2%	$214,000
The Central Trust Bank 405 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 3.12%	Conventional, FHA, VA, Jumbo, HELOC	163 +19 HELOCs	4.2%	96.5%	$266,656	View
Flat Branch Mortgage, Inc. 803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA, Jumbo	98	2.5%	98%	$235,510	View
US Bank, N.A. 1543 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	95 +38 HELOCs	2.5%	67.4%	$201,526	View
Together Credit Union 1334 Jeffco Blvd, Arnold, MO 63010 2157 A+5.0 ★Texas Ratio: 4.25%	Conventional, FHA, Jumbo, HELOC	73 +62 HELOCs	1.9%	79.8%	$248,150	View
First Community Credit Union 1722 Missouri State Rd, Arnold, MO 63010 2006 A+5.0 ★Texas Ratio: 3.75%	Conventional, HELOC	63 +77 HELOCs	1.6%	70.8%	$169,444	View
JPMorgan Chase Bank, NA 1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo, HELOC	54 +1 HELOCs	1.4%	85.1%	$296,851	View
Carrollton Bank 1925 Richardson Rd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.58%	Conventional, FHA, HELOC	48 +14 HELOCs	1.2%	90.6%	$159,166	View
Bank of America NA 1301 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	40 +50 HELOCs	1%	85.1%	$258,750	View
Neighbors Credit Union 109 East St, Clarence, MO 63437 A5.0 ★Texas Ratio: 7.12%	Conventional	37	1%	75.5%	$105,270	View
Commerce Bank 10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89%	Conventional, FHA, VA, HELOC	35 +41 HELOCs	0.9%	47.5%	$172,428	View
Arsenal Credit Union 3780 Vogel Rd, Arnold, MO 63010 A5.0 ★Texas Ratio: 8.03%	Conventional, FHA	35	0.9%	100%	$305,857	View
Regions Bank 2582 Lemay Ferry Rd, Affton, MO 63125 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, Jumbo, HELOC	34 +24 HELOCs	0.9%	59.1%	$226,470	View
Lindell Bank & Trust Company 169 Long Rd, Chesterfield, MO 63005 A+5.0 ★Texas Ratio: 1.91%	Conventional	34	0.9%	100%	$207,352	View
First Bank 2255 Michigan Ave, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.49%	Conventional, FHA, VA, HELOC	32 +5 HELOCs	0.8%	97.1%	$325,000	View
Paramount Bank 90 Village Square Shop Ctr, Hazelwood, MO 63042 A5.0 ★Texas Ratio: 8.70%	Conventional, FHA, Jumbo	28	0.7%	96.6%	$342,500	View
Enterprise Bank & Trust 3944 Vogel Rd, Arnold, MO 63010 A5.0 ★Texas Ratio: 7.31%	Conventional	20	0.5%	80.8%	$257,500	View
Great Southern Bank 6800 S Rock Hill Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 1.55%	Conventional, Jumbo	19	0.5%	57.6%	$286,578	View
Wells Fargo Bank NA 1 N Jefferson Ave, Saint Louis, MO 63103 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	18	0.5%	64.3%	$187,777	View
Fcb Banks 1300 Clarkson Clayton Center, Ellisville, MO 63011 A5.0 ★Texas Ratio: 7.31%	Conventional, HELOC	17 +5 HELOCs	0.4%	81%	$186,764	View
Montgomery Bank 11998 Saint Charles Rock Rd, Bridgeton, MO 63044 A+5.0 ★Texas Ratio: 3.43%	Conventional, HELOC	13 +2 HELOCs	0.3%	86.7%	$145,000	View
Arvest Bank 607 Highway 71 North, Anderson, MO 64831 A5.0 ★Texas Ratio: 7.48%	Conventional	13	0.3%	100%	$359,615	View
Vantage Credit Union 11915 Saint Charles Rock Rd, Bridgeton, MO 63044 A+5.0 ★Texas Ratio: 4.97%	Conventional, HELOC	12 +9 HELOCs	0.3%	72.2%	$202,500	View
Nbkc Bank 8320 Ward Pkwy, Kansas City, MO 64114	Conventional, FHA, VA	12	0.3%	100%	$327,500
Triad Bank 12452 Olive Blvd, Creve Coeur, MO 63141 A+5.0 ★Texas Ratio: 1.51%	Conventional	11	0.3%	100%	$234,090	View
Alliance Credit Union 217 N Kingshighway St, Cape Girardeau, MO 63701 A+5.0 ★Texas Ratio: 3.14%	Conventional	11	0.3%	78.6%	$186,818	View
West Community Credit Union 308 S 9th St Ste 114, Columbia, MO 65201 5161 A5.0 ★Texas Ratio: 12.18%	Conventional, HELOC	10 +33 HELOCs	0.3%	73.3%	$167,000	View
CNB St Louis Bank 9111 Mackenzie Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 5.88%	Conventional	10	0.3%	100%	$183,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1532 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	8 +15 HELOCs	0.2%	88.9%	$257,500	View
Bank of Washington 7701 Forsyth Blvd, Clayton, MO 63105 D3.5 ★Texas Ratio: 33.34%	Conventional	8	0.2%	100%	$232,500	View
Heritage Community Bank 101 South Main St, Chamois, MO 65024 B4.5 ★Texas Ratio: 21.03%	Conventional	8	0.2%	100%	$120,000	View
First Mid Bank and Trust, NA 7700 Bonhomme Ave, Clayton, MO 63105 A+5.0 ★Texas Ratio: 3.88%	Conventional, HELOC	7 +1 HELOCs	0.2%	77.8%	$212,142	View
St Johns B&T Co 11965 Saint Charles Rock Rd, Bridgeton, MO 63044 B+4.8 ★Texas Ratio: 17.59%	Conventional, Jumbo	7	0.2%	100%	$517,857	View
Bloomsdale Bank 55 Mill Hill Rd, Bloomsdale, MO 63627 A+5.0 ★Texas Ratio: 2.65%	Conventional, Jumbo	7	0.2%	100%	$215,000	View
Busey Bank 17701 Edison Ave, Chesterfield, MO 63005 A+5.0 ★Texas Ratio: 2.31%	Conventional, HELOC	5 +7 HELOCs	0.1%	100%	$153,000	View
Umb Bank NA 827 Arnold Commons Drive, Arnold, MO 63010 A+5.0 ★Texas Ratio: 1.78%	Conventional, HELOC	5 +2 HELOCs	0.1%	100%	$237,000	View
CIBC Bank USA 1401 S Brentwood Blvd Fl 2, Saint Louis, MO 63144 A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA, Jumbo	5	0.1%	83.3%	$287,000	View
Midland States Bank 1920 Richardson Rd, Arnold, MO 63010 A5.0 ★Texas Ratio: 9.50%	Conventional, HELOC	4 +1 HELOCs	0.1%	57.1%	$160,000	View
BMO Harris Bank NA 1060 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	3 +23 HELOCs	0.1%	50%	$315,000	View
Associated Bank NA 10044 West Florissant Ave, Saint Louis, MO 63136 A+5.0 ★Texas Ratio: 3.45%	Conventional, HELOC	3 +2 HELOCs	0.1%	50%	$405,000	View
Simmons Bank 1540 State Highway 248, Branson, MO 65616 A+5.0 ★Texas Ratio: 5.33%	Conventional, HELOC	3 +1 HELOCs	0.1%	42.9%	$145,000	View
Bank of Springfield 101 Laura K Dr, O Fallon, MO 63366 A5.0 ★Texas Ratio: 13.68%	Conventional, FHA	3	0.1%	50%	$215,000	View
The Bank of Missouri 495 S Springfield Ave, Bolivar, MO 65613 A5.0 ★Texas Ratio: 9.58%	Conventional	3	0.1%	100%	$241,666	View
First State Community Bank 74 Rue Terre Bonne, Bonne Terre, MO 63628 A5.0 ★Texas Ratio: 6.95%	Conventional	3	0.1%	100%	$195,000	View
Farmers and Merchants Bank of St. Clair 619 Stockell Dr, Eureka, MO 63025 A+5.0 ★Texas Ratio: 0.00%	Conventional	3	0.1%	100%	$405,000	View
Sullivan Bank 700 N Franklin St, Cuba, MO 65453 A-4.9 ★Texas Ratio: 16.43%	Conventional	3	0.1%	100%	$401,666	View
Peoples National Bank, N.A. 6247 Brookside Blvd, Kansas City, MO 64113 A5.0 ★Texas Ratio: 9.39%	Conventional	3	0.1%	50%	$438,333	View
Town & Country Bank 1106 Springfield Rd, Ava, MO 65608 A+5.0 ★Texas Ratio: 2.20%	Conventional	2	0.1%	100%	$435,000	View
Century Credit Union 3920 JEFFCO BLVD, ARNOLD, MO 63010 A+5.0 ★Texas Ratio: 1.27%	Conventional	2	0.1%	60%	$40,000	View
Bank Star 10625 Business 21, Hillsboro, MO 63050 A+5.0 ★Texas Ratio: 2.86%	Conventional	2	0.1%	100%	$65,000	View
Citizens Bank 105 S Old Highway 71, Adrian, MO 64720 A+5.0 ★Texas Ratio: 5.44%	Conventional	2	0.1%	100%	$165,000	View
State Bank 6969 S Lindbergh Blvd, Saint Louis, MO 63125 C+4.1 ★Texas Ratio: 25.55%	Conventional	2	0.1%	66.7%	$315,000	View
United Community Bank 123 W Lafayette St, Palmyra, MO 63461 A+5.0 ★Texas Ratio: 2.53%	Conventional	2	0.1%	100%	$195,000	View
Homebank 1108 S Business Highway 61, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 2.67%	Conventional	2	0.1%	100%	$235,000	View
United Bank of Union 1440 Rebel Dr, Union, MO 63084 B-4.4 ★Texas Ratio: 22.38%	Conventional	1	0%	100%	$265,000	View
Bison State Bank 9201 Ward Pkwy, Kansas City, MO 64114 A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	100%	$315,000	View
Bank of Franklin County 15928 Manchester Rd, Ellisville, MO 63011 A+5.0 ★Texas Ratio: 3.97%	Conventional	1	0%	100%	$115,000	View
First Midwest Bank of the Ozarks 1215 Fellows Pl, Columbia, MO 65201 A5.0 ★Texas Ratio: 8.24%	Conventional	1	0%	100%	$45,000	View
Alltru Federal Credit Union 3240 N Highway 67, Florissant, MO 63033 A-4.9 ★Texas Ratio: 16.06%	Conventional	1	0%	16.7%	$55,000	View
HNB National Bank 700 Business Highway 61 N, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 0.35%	Conventional	1	0%	100%	$305,000	View
Sterling Bank 240 North Walnut Street, Bernie, MO 63822 A+5.0 ★Texas Ratio: 2.17%	Conventional	1	0%	100%	$115,000	View
Hawthorn Bank 8127 E 171st St, Belton, MO 64012 A+5.0 ★Texas Ratio: 3.36%	Conventional	1	0%	100%	$285,000	View
Connections Bank 301 E Broadway, Ashland, MO 65010 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$315,000	View
The Maries County Bank 2nd And Pine Street, Argyle, MO 65001 A+5.0 ★Texas Ratio: 0.59%	Conventional	1	0%	100%	$55,000	View
The Bank of Old Monroe #10 Freise Industrial Drive, Moscow Mills, MO 63362 A+5.0 ★Texas Ratio: 0.03%	Conventional	1	0%	100%	$105,000	View
Community State Bank of Missouri 104 Bowling Green Parkway, Bowling Green, MO 63334 A+5.0 ★Texas Ratio: 1.65%	Conventional	1	0%	100%	$45,000	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	164	4.3%	96.7%	$229,451
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional, FHA, VA	98	2.5%	99.2%	$265,714	View
Gershman Investment Corp.	Conventional, FHA, VA	84	2.2%	94.4%	$181,785
Mortgage Research Center	Conventional, FHA, VA	63	1.6%	62.1%	$257,698
Endeavor Capital, LLC	Conventional, FHA, VA	59	1.5%	96.8%	$224,661
First State Bank of St Charles	Conventional, FHA, Jumbo	39	1%	100%	$266,538
Family Finance Mortgage LLC	Conventional, FHA, VA	15	0.4%	100%	$195,666
US Wide Financial LLC	Conventional	7	0.2%	87.5%	$255,000
Gateway Metro Federal Credit U	Conventional, Jumbo	6	0.2%	100%	$145,000
Access Capital Funding LLC	Conventional, FHA	6	0.2%	100%	$245,000
Mortgage Solutions, LLC	Conventional	5	0.1%	100%	$165,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	3	0.1%	100%	$358,333	View
Community Mortgage, LLC	Conventional	3	0.1%	100%	$258,333
Frontier Financial, Inc. DBA Frontier Mortgage	Conventional	3	0.1%	100%	$215,000
Saint Louis Bank	Conventional	1	0%	100%	$765,000
Guild Mortgage Company	Conventional, FHA, VA	388	10.1%	96.3%	$220,077
Rocket Mortgage A5.0 ★Texas Ratio: 7.45%	Conventional, FHA, VA	213	5.5%	80.1%	$212,183	View
New American Funding, LLC.	Conventional, FHA, VA, HELOC	165 +3 HELOCs	4.3%	90.7%	$226,696
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	129 +4 HELOCs	3.3%	90.5%	$277,325
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA, HELOC	81 +2 HELOCs	2.1%	96.5%	$230,308
Pennymac Loan Services LLC	Conventional, FHA, VA	56	1.5%	75%	$221,071
Freedom Mortgage Corporation	Conventional, FHA, VA	46	1.2%	92.2%	$220,869
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	42	1.1%	91.5%	$347,857	View
Geneva Financial LLC	Conventional, FHA, VA, HELOC	36 +1 HELOCs	0.9%	100%	$239,722
Nationstar Mortgage	Conventional, FHA	36	0.9%	78.3%	$156,944
Fairway Independent Mort Corp	Conventional, FHA	36	0.9%	97.4%	$212,777
Newrez LLC	Conventional, FHA, VA	31	0.8%	58.5%	$248,225
Leaderone Financial Corp.	Conventional, FHA, VA	31	0.8%	96.9%	$174,354
loanDepot.com LLC	Conventional, FHA, HELOC	24 +4 HELOCs	0.6%	65.8%	$181,250
Nations Lending Corporation	Conventional, FHA, VA	24	0.6%	96.4%	$201,666
Everett Financial, Inc.	Conventional, FHA, VA	23	0.6%	88.9%	$184,565
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	22 +7 HELOCs	0.6%	52.3%	$193,636
Zillow Home Loans, LLC	Conventional, FHA	22	0.6%	95.7%	$220,000
CrossCountry Mortgage, LLC	Conventional, FHA, HELOC	20 +3 HELOCs	0.5%	95.2%	$224,500
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	19	0.5%	82.6%	$276,578	View
Envoy Mortgage, Ltd	Conventional, FHA	16	0.4%	100%	$318,125
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA	16	0.4%	100%	$243,125	View
T2 Financial LLC	Conventional, FHA	16	0.4%	94.7%	$220,625
Scott Credit Union	Conventional, FHA, HELOC	15 +9 HELOCs	0.4%	83.3%	$213,666
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	15	0.4%	50%	$210,333
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	15	0.4%	71.4%	$279,666	View
American Pacific Mortgage Corporation	Conventional, VA	14	0.4%	87.5%	$236,428
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	13 +4 HELOCs	0.3%	92.9%	$226,538
Lower, LLC	Conventional, FHA, VA, HELOC	12 +1 HELOCs	0.3%	92.9%	$323,333
Mutual of Omaha Mortgage	Conventional, FHA, VA	12	0.3%	65%	$330,833
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	11	0.3%	84.6%	$151,363
Sage Home Loans Corporation	Conventional	10	0.3%	85.7%	$333,000
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	Conventional	10	0.3%	100%	$267,000	View
PHH Mortgage Corporation	Conventional, FHA, VA	9	0.2%	75%	$198,333
The Loan Store, Inc	Conventional	9	0.2%	90%	$228,333
Better Mortgage Corporation A-5.0 ★Texas Ratio: 14.33%	Conventional, HELOC	8 +1 HELOCs	0.2%	72.7%	$265,000	View
Movement Mortgage, LLC	Conventional, FHA, VA	8	0.2%	85.7%	$292,500
Discover Bank	Conventional	8	0.2%	23.5%	$53,750
Union Home Mortgage Corp.	Conventional, VA	8	0.2%	100%	$301,250
New Day Financial, LLC.	VA	8	0.2%	33.3%	$227,500
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	7 +3 HELOCs	0.2%	100%	$285,000
Spring Eq, LLC	Conventional, HELOC	7 +3 HELOCs	0.2%	35%	$62,142
Primelending	Conventional	7	0.2%	100%	$349,285
Amerisave Mortgage Company	Conventional, VA	7	0.2%	12.3%	$113,571
Dieterich Bank B+4.7 ★Texas Ratio: 18.69%	Conventional	6	0.2%	100%	$143,333	View
AmeriHome Mortgage Company, LLC	FHA	6	0.2%	100%	$240,000
Nqm Funding, LLC	Conventional, FHA	6	0.2%	100%	$198,333
Provident Funding Associates	Conventional	6	0.2%	100%	$223,333
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, FHA, VA	6	0.2%	100%	$271,666	View
Towne Mortgage Company A-4.9 ★Texas Ratio: 16.23%	Conventional, FHA	6	0.2%	100%	$186,666	View
Carrington Mortgage Services LLC	Conventional, FHA, VA	6	0.2%	37%	$160,000
Plaza Home Mortgage, Inc	Conventional	6	0.2%	66.7%	$208,333
Royal United Mortgage LLC	Conventional	5	0.1%	50%	$97,000
SIRVA Mortgage, Inc.	Conventional	5	0.1%	83.3%	$223,000
Planet Home Lending, LLC	Conventional, FHA	5	0.1%	100%	$201,000
Paramount Residential Mortgage	Conventional, FHA	5	0.1%	100%	$211,000
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	5	0.1%	100%	$221,000
American Financial Resources LLC	Conventional, VA	4	0.1%	100%	$252,500
Goodleap, LLC	Conventional	4	0.1%	100%	$107,500
FirstTrust Home Loans	Conventional	4	0.1%	100%	$52,500
Cardinal Financial Company, Li	Conventional, FHA, VA	4	0.1%	100%	$147,500
First Option Mortgage, LLC A4.5 ★Texas Ratio: 2.64%	Conventional, FHA, VA	4	0.1%	100%	$240,000	View
Mortgage Solutions of Colorado	Conventional, VA	4	0.1%	100%	$222,500
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	FHA, VA	4	0.1%	100%	$337,500	View
Communityamerica Federal Credit Union	Conventional, HELOC	3 +5 HELOCs	0.1%	100%	$195,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +5 HELOCs	0.1%	42.9%	$225,000	View
Cadence Bank	Conventional, HELOC	3 +4 HELOCs	0.1%	100%	$225,000
HomeBridge Financial Services, Inc A+5.0 ★Texas Ratio: 3.74%	FHA, VA, HELOC	3 +2 HELOCs	0.1%	75%	$231,666	View
Boeing Employees' Credit Union	Conventional, HELOC	3 +2 HELOCs	0.1%	75%	$235,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	3	0.1%	100%	$355,000	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	3	0.1%	100%	$265,000	View
First Horizon Bank ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76%	Conventional	3	0.1%	50%	$175,000	View
Canopy Mortgage, LLC	Conventional, FHA	3	0.1%	100%	$218,333
MortgageOne, Inc	Conventional, FHA	3	0.1%	100%	$151,666
TruHome Solutions, LLC	Conventional, FHA	3	0.1%	75%	$215,000
Deephaven Mortgage LLC	Conventional	3	0.1%	100%	$391,666
Securitynational Mortgage Company	Conventional, FHA	3	0.1%	75%	$55,000
Nfm, Inc	Conventional	3	0.1%	100%	$258,333
Shoreham Bank	FHA	3	0.1%	100%	$21,666
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	3	0.1%	100%	$415,000	View
RoundPoint Mortgage Servicing LLC	Conventional	3	0.1%	100%	$225,000
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional	3	0.1%	100%	$278,333	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, FHA	3	0.1%	75%	$268,333	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	3	0.1%	100%	$378,333	View
Top Flite Financial, Inc.	FHA	3	0.1%	100%	$155,000
Village Capital & Investment	VA	3	0.1%	87.5%	$251,666
Valon Mortgage A5.0 ★Texas Ratio: 6.08%	Conventional, FHA, HELOC	2 +4 HELOCs	0.1%	66.7%	$120,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$280,000	View
Cornerstone First Mortgage, LLC	Conventional, FHA	2	0.1%	66.7%	$165,000
Consumer Real Estate Finance Co DBA Society Mortgage	FHA	2	0.1%	100%	$225,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.75%	Conventional, FHA	2	0.1%	100%	$175,000	View
Equity Prime Mortgage LLC	FHA	2	0.1%	60%	$170,000
Guidance Residential, LLC	Conventional	2	0.1%	100%	$205,000
United Trust Bank	FHA, VA	2	0.1%	100%	$195,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional	2	0.1%	100%	$145,000	View
Credit Union Mortgage Associat A+5.0 ★Texas Ratio: 3.45%	Conventional	2	0.1%	100%	$275,000	View
American Financing Corporation	FHA	2	0.1%	42.9%	$275,000
Bay Equity LLC	Conventional	2	0.1%	66.7%	$230,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional, VA	2	0.1%	100%	$255,000	View
Community First National Bank A+5.0 ★Texas Ratio: 1.41%	Conventional, VA	2	0.1%	100%	$180,000	View
Dupaco Community Credit Union	Conventional	2	0.1%	100%	$310,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	2	0.1%	100%	$530,000	View
Nations Direct Mortgage, LLC	Conventional, Jumbo	2	0.1%	100%	$1,540,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.1%	100%	$435,000	View
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	2	0.1%	66.7%	$155,000	View
Pentagon Federal Credit Union	Conventional, HELOC	1 +4 HELOCs	0%	50%	$265,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.14%	Conventional, HELOC	1 +2 HELOCs	0%	100%	$515,000	View
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$435,000	View
Heartland Credi T Union	Conventional, HELOC	1 +1 HELOCs	0%	100%	$395,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0%	100%	$855,000	View
Premier Mortgage Resources, LLC	Conventional	1	0%	100%	$165,000
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0%	100%	$185,000	View
Msu Federal Credit Union	Conventional	1	0%	100%	$315,000
Primary Residential Mortgage, INC.	Conventional	1	0%	100%	$275,000
Wesbanco Bank, Inc. A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0%	100%	$325,000	View
Greenstate Credit Union	Conventional	1	0%	100%	$795,000
MidFirst Bank A+5.0 ★Texas Ratio: 4.93%	FHA	1	0%	100%	$15,000	View
Paragon Bank A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0%	100%	$155,000	View
Amerant Mortgage LLC	Conventional	1	0%	100%	$185,000
Golden Empire Mortgage, Inc.	FHA	1	0%	100%	$335,000
Buena Vista National Bank A+5.0 ★Texas Ratio: 2.34%	Conventional	1	0%	100%	$625,000	View
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	50%	$185,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	FHA	1	0%	100%	$405,000	View
Mazuma Credit Union A5.0 ★Texas Ratio: 8.70%	Conventional	1	0%	100%	$275,000	View
Synergy One Lending, Inc.	Conventional	1	0%	100%	$145,000
American Financial Network, Inc.	FHA	1	0%	100%	$325,000
Quail Creek Bank A5.0 ★Texas Ratio: 6.61%	Conventional	1	0%	100%	$355,000	View
Redwood Residential Acquisition Corporation	Conventional	1	0%	100%	$395,000
Thompson Kane & Company, Inc	Conventional	1	0%	100%	$105,000
Bank of Belleville B4.6 ★Texas Ratio: 19.57%	Conventional	1	0%	100%	$385,000	View
AML Funding LLC dba Absolute Mortgage & Lending	FHA	1	0%	50%	$335,000
Sun West Mortgage Company, Inc	Conventional	1	0%	66.7%	$265,000
Truity Federal Credit Union ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0%	100%	$295,000	View
First State Mortgage Services	Conventional	1	0%	100%	$205,000
First Federal Savings Bank of Mascoutah B+4.8 ★Texas Ratio: 17.14%	Conventional	1	0%	100%	$155,000	View
Constitution Bank N.A.	Conventional	1	0%	100%	$225,000
Midwest Mortgage Associates Corp	FHA	1	0%	100%	$205,000
Bank of Calhoun County A+5.0 ★Texas Ratio: 1.30%	Conventional	1	0%	100%	$305,000	View
Highlands Residential Mortgage, Ltd.	Conventional	1	0%	100%	$395,000
Cedar Rapids Bank and Trust A+5.0 ★Texas Ratio: 2.24%	Conventional	1	0%	100%	$285,000	View
Greenbox Loans	Conventional	1	0%	100%	$225,000
Bank of O'Fallon	Conventional	1	0%	100%	$405,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$255,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$155,000	View
Bancfirst A5.0 ★Texas Ratio: 6.40%	Conventional	1	0%	100%	$505,000	View
First Heritage Financial LLC	FHA	1	0%	100%	$215,000
Inb, National Association A5.0 ★Texas Ratio: 9.74%	Conventional	1	0%	100%	$525,000	View
Iowa Bankers Mortgage Corporation	Conventional	1	0%	100%	$195,000
Empeople Credit Union	Conventional	1	0%	100%	$45,000
Bank & Trust Company	Conventional	1	0%	100%	$145,000
Mission Loans, LLC	Conventional	1	0%	100%	$185,000
Uif Corporation	Conventional	1	0%	100%	$195,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0%	50%	$115,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0%	100%	$395,000
Citizens Community Bank D3.1 ★Texas Ratio: 38.34%	Conventional	1	0%	100%	$395,000	View
RBC Bank (Georgia), N.A.	Conventional	1	0%	100%	$195,000
State Departmenet Federal Credit Union	Conventional	1	0%	100%	$95,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0%	100%	$255,000	View
Thrivent Bank	Conventional	1	0%	100%	$55,000
Gold Coast Bank	Conventional	1	0%	100%	$125,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0%	100%	$285,000	View
Figure Lending LLC	HELOC	0 +20 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	n/a
First American Bank A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	0%		View

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. Louis 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. Louis, Missouri

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

Types of Mortgage Lenders in St. Louis, MO

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

Mortgage companies and brokers 103 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 118 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 29 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 90 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 52 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 16 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MO 63 lenders headquartered in Missouri, the closest thing to a mortgage lender near you

Who Lends in St. Louis, MO

Independent mortgage companies closed 60.4 percent of home loans in St. Louis, Missouri in 2025, banks 31.5 percent and credit unions 8.1 percent. Jlb Corporation dba Golden Oak Lending was the largest mortgage company, Stifel Bank & Trust the largest bank and Together Credit Union the largest credit union. Among lenders headquartered in Missouri, Stifel Bank & Trust led with 131 loans.

60.4%

Mortgage companies

31.5%

Banks

8.1%

Credit unions

13%

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 O'Fallon 190 lenders Columbia 199 lenders Independence 188 lenders Lee's Summit 206 lenders St. Peters 174 lenders St. Charles 182 lenders Wentzville 169 lenders St. Joseph 127 lenders Blue Springs 178 lenders Florissant 143 lenders

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

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

By home loans closed in 2025, Stifel Bank & Trust was the largest mortgage lender in St. Louis, Missouri with 131 loans, about 3.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in St. Louis, Missouri, Delmar Financial Company approved the highest share of completed applications in 2025 at 99.2 percent, against a 83.9 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. Louis, MO mortgage lenders offer FHA, VA and USDA loans?

90 lenders closed FHA loans in St. Louis, Missouri in 2025, led by Guild Mortgage Company with 56. 52 lenders closed VA loans, led by Mortgage Research Center, and 1 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. Louis, MO lender list?

Yes. 118 banks and 29 credit unions closed home loans in St. Louis, Missouri in 2025, alongside 103 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. Louis, MO ranked on this page?

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