Mortgage Lenders and Brokers in Sugar Creek, Missouri
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Sugar Creek, Missouri mortgage lenders include The Central Trust BankThe Central Trust Bank11206 East 24 Hwy, Sugar Creek, MO 64054A+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%, Bank of OdessaBank of Odessa201 E Front St, La Monte, MO 65337A5.0 ★Texas Ratio: 11.55%, Commerce BankCommerce Bank10185 Gravois Rd, Affton, MO 63123A+5.0 ★Texas Ratio: 0.89%, US Bank, N.A.US Bank, N.A.1543 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 2.85%, Nbkc BankNbkc Bank8320 Ward Pkwy, Kansas City, MO 64114, United Consumers Credit UnionUnited Consumers Credit Union1111 E 23rd St S, Independence, MO 64055A5.0 ★Texas Ratio: 6.33%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1314 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA1301 Jeffco Blvd, Arnold, MO 63010A+5.0 ★Texas Ratio: 4.14%, and Umb Bank NAUmb Bank NA827 Arnold Commons Drive, Arnold, MO 63010A+5.0 ★Texas Ratio: 1.78%. 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 Sugar Creek, Missouri in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sugar Creek 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 Sugar Creek, Missouri
Market share is the lender's share of all home loans closed in Sugar Creek, 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 |
|---|---|---|---|---|---|---|
|
1 office in Sugar Creek 11206 East 24 Hwy, Sugar Creek, MO 64054 A+5.0 ★Texas Ratio: 3.12% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
1% | 100% | $205,000 | View |
|
803 Wollard Blvd, Richmond, MO 64085 A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA | 9 | 4.6% | 100% | $206,111 | View |
|
201 E Front St, La Monte, MO 65337 A5.0 ★Texas Ratio: 11.55% |
Conventional | 7 | 3.6% | 100% | $169,285 | View |
|
10185 Gravois Rd, Affton, MO 63123 A+5.0 ★Texas Ratio: 0.89% |
Conventional, FHA, HELOC | 5 +3 HELOCs |
2.6% | 100% | $83,000 | View |
|
1543 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +6 HELOCs |
1% | 75% | $170,000 | View |
Nbkc Bank
8320 Ward Pkwy, Kansas City, MO 64114 |
Conventional | 2 | 1% | 100% | $240,000 | |
|
1111 E 23rd St S, Independence, MO 64055 A5.0 ★Texas Ratio: 6.33% |
Conventional | 2 | 1% | 100% | $145,000 | View |
|
1314 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $275,000 | View |
|
1301 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $255,000 | View |
|
827 Arnold Commons Drive, Arnold, MO 63010 A+5.0 ★Texas Ratio: 1.78% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $35,000 | View |
|
28638 Highway 11, Brookfield, MO 64628 C2.4 ★Texas Ratio: 1.88% |
Conventional | 1 | 0.5% | 100% | $115,000 | View |
|
1001 N Jesse James Rd, Excelsior Springs, MO 64024 A+5.0 ★Texas Ratio: 4.31% |
VA | 1 | 0.5% | 100% | $215,000 | View |
|
1 N Jefferson Ave, Saint Louis, MO 63103 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 33.3% | $235,000 | View |
|
3500 S Noland Rd, Independence, MO 64055 A+5.0 ★Texas Ratio: 3.50% |
Conventional | 1 | 0.5% | 100% | $235,000 | View |
|
1006 Eagle Crest Dr, Holden, MO 64040 A+5.0 ★Texas Ratio: 3.13% |
Conventional | 1 | 0.5% | 100% | $285,000 | View |
|
202 E North Ave, Belton, MO 64012 A+5.0 ★Texas Ratio: 4.82% |
Conventional | 1 | 0.5% | 100% | $135,000 | View |
|
1060 Jeffco Blvd, Arnold, MO 63010 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Community Mortgage, LLC
|
Conventional, FHA, VA | 13 | 6.6% | 92.9% | $201,153 | |
Jlb Corporation dba Golden Oak Lending
|
Conventional, FHA | 3 | 1.5% | 75% | $221,666 | |
Mortgage Research Center
|
Conventional, VA | 3 | 1.5% | 75% | $118,333 | |
|
A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.5% | 100% | $265,000 | View |
First State Bank of St Charles
|
FHA | 1 | 0.5% | 100% | $245,000 | |
Endeavor Capital, LLC
|
FHA | 1 | 0.5% | 100% | $155,000 | |
|
A5.0 ★Texas Ratio: 7.45% |
Conventional, FHA, VA | 11 | 5.6% | 68.8% | $154,090 | View |
Leaderone Financial Corp.
|
Conventional, FHA, VA | 11 | 5.6% | 100% | $180,454 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 8 | 4.1% | 100% | $268,750 | |
Everett Financial, Inc.
|
Conventional, FHA | 7 | 3.6% | 100% | $96,428 | |
Guild Mortgage Company
|
Conventional, FHA, VA | 7 | 3.6% | 77.8% | $185,000 | |
Communityamerica Federal Credit Union
|
Conventional, FHA, HELOC | 6 +17 HELOCs |
3.1% | 75% | $211,666 | |
Primelending
|
Conventional, FHA, VA | 6 | 3.1% | 100% | $178,333 | |
Freedom Mortgage Corporation
|
FHA, VA | 6 | 3.1% | 100% | $213,333 | |
Nationstar Mortgage
|
Conventional, FHA, VA | 6 | 3.1% | 75% | $185,000 | |
Pennymac Loan Services LLC
|
FHA, VA | 5 | 2.6% | 83.3% | $197,000 | |
loanDepot.com LLC
|
Conventional, VA | 4 | 2% | 50% | $77,500 | |
Prosperity Home Mortgage, LLC
|
Conventional, FHA | 4 | 2% | 100% | $137,500 | |
Fairway Independent Mort Corp
|
Conventional, FHA, VA | 4 | 2% | 100% | $237,500 | |
Sun West Mortgage Company, Inc
|
Conventional, FHA | 3 | 1.5% | 100% | $141,666 | |
|
A+5.0 ★Texas Ratio: 2.07% |
Conventional, FHA | 3 | 1.5% | 100% | $151,666 | View |
American Financial Resources LLC
|
Conventional, FHA | 2 | 1% | 100% | $200,000 | |
Lakeview Loan Servicing, LLC
|
Conventional, FHA | 2 | 1% | 50% | $115,000 | |
M Squared Financial LLC
|
Conventional, FHA | 2 | 1% | 100% | $260,000 | |
Click n' Close, Inc.
|
Conventional | 2 | 1% | 100% | $265,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
Conventional | 2 | 1% | 100% | $195,000 | View |
1St Midamerica Credit Union
|
Conventional | 2 | 1% | 100% | $110,000 | |
The Loan Store, Inc
|
Conventional, FHA | 2 | 1% | 100% | $220,000 | |
Village Capital & Investment
|
FHA, VA | 2 | 1% | 66.7% | $245,000 | |
Royal United Mortgage LLC
|
Conventional | 1 | 0.5% | 50% | $125,000 | |
Goodleap, LLC
|
FHA | 1 | 0.5% | 100% | $95,000 | |
Gold Star Mortgage Financial Group, Corporation
|
FHA | 1 | 0.5% | 100% | $285,000 | |
Newrez LLC
|
Conventional | 1 | 0.5% | 66.7% | $65,000 | |
Equity Prime Mortgage LLC
|
FHA | 1 | 0.5% | 100% | $255,000 | |
CrossCountry Mortgage, LLC
|
Conventional | 1 | 0.5% | 100% | $235,000 | |
Kind Lending, LLC
|
Conventional | 1 | 0.5% | 100% | $115,000 | |
PHH Mortgage Corporation
|
Conventional | 1 | 0.5% | 100% | $85,000 | |
|
A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.5% | 100% | $25,000 | View |
|
A+5.0 ★Texas Ratio: 3.66% |
FHA | 1 | 0.5% | 100% | $225,000 | View |
Air Academy Federal Credit Union
|
Conventional | 1 | 0.5% | 100% | $155,000 | |
Pivot Financial Partners, Inc
|
FHA | 1 | 0.5% | 100% | $225,000 | |
Union Home Mortgage Corp.
|
Conventional | 1 | 0.5% | 100% | $155,000 | |
|
A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
New Day Financial, LLC.
|
VA | 1 | 0.5% | 50% | $205,000 | |
Churchill Mortgage Corporation
|
Conventional | 1 | 0.5% | 100% | $245,000 | |
Planet Home Lending, LLC
|
FHA | 1 | 0.5% | 100% | $235,000 | |
Lendsure Mortgage Corp.
|
Conventional | 1 | 0.5% | 100% | $415,000 | |
American Pacific Mortgage Corporation
|
Conventional | 1 | 0.5% | 100% | $225,000 | |
Megastar Finanacial Corp
|
FHA | 1 | 0.5% | 100% | $205,000 | |
Mission Loans, LLC
|
Conventional | 1 | 0.5% | 100% | $185,000 | |
Zillow Home Loans, LLC
|
Conventional | 1 | 0.5% | 100% | $175,000 | |
Mutual of Omaha Mortgage
|
Conventional | 1 | 0.5% | 100% | $295,000 | |
New American Funding, LLC.
|
VA | 1 | 0.5% | 50% | $225,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.5% | 100% | $275,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 1 | 0.5% | 100% | $115,000 | |
Carrington Mortgage Services LLC
|
Conventional | 1 | 0.5% | 100% | $35,000 | |
Spring Eq, LLC
|
Conventional | 1 | 0.5% | 100% | $25,000 | |
Plaza Home Mortgage, Inc
|
VA | 1 | 0.5% | 100% | $305,000 | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
A5.0 ★Texas Ratio: 8.70% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Cmg Mortgage Inc
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 3.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Sugar Creek 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 Sugar Creek, Missouri
Looking for mortgage lenders near me or mortgage brokers near me in Sugar Creek? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sugar Creek in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sugar Creek, MO
Use these to narrow the list above. Each category shows how many Sugar Creek, MO lenders fit and what that kind of lender is usually best for.
Who Lends in Sugar Creek, MO
Independent mortgage companies closed 72.4 percent of home loans in Sugar Creek, Missouri in 2025, banks 21.4 percent and credit unions 6.1 percent. Flat Branch Mortgage, Inc. was the largest mortgage company, The Central Trust Bank the largest bank and United Consumers Credit Union the largest credit union. Among lenders headquartered in Missouri, The Central Trust Bank led with 2 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 Sugar Creek, MO
By home loans closed in 2025, The Central Trust Bank was the largest mortgage lender in Sugar Creek, Missouri with 2 loans, about 1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
33 lenders closed FHA loans in Sugar Creek, Missouri in 2025, led by Community Mortgage, LLC with 5. 19 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 22 banks and 6 credit unions closed home loans in Sugar Creek, Missouri in 2025, alongside 51 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 Sugar Creek, 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 Sugar Creek, 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 Sugar Creek. 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.
