Today we’ll take a look at the top mortgage lenders in Missouri, based on loan volume.
This means the biggest mortgage companies that operate in the The Show-Me State, but aren’t necessarily headquartered there.
Roughly 800 different companies originated home loans there in 2024, funding nearly $26 billion in the process.
But there can only be one #1 lender, and surprisingly it wasn’t the nation’s largest.
Instead, it was Flat Branch Home Loans, which calls Columbia, Missouri home. Read on to see the rest.
Top Mortgage Lenders in Missouri (Overall)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Flat Branch | $1.6 billion |
| 2. | Rocket Mortgage | $1.2 billion |
| 3. | UWM | $1.1 billion |
| 4. | Guild Mortgage | $1.0 billion |
| 5. | Central Bank | $796 million |
| 6. | USA Mortgage | $745 million |
| 7. | Veterans United | $654 million |
| 8. | Fairway | $535 million |
| 9. | New American | $532 million |
| 10. | U.S. Bank | $488 million |
Flat Branch funded $1.6 billion in home loans in the state of Missouri last year, per Richey May’s HMDA data.
That was more than enough to beat out the former top lender in the nation, Rocket Mortgage.
Detroit-based Rocket only managed $1.2 billion in loan volume, which illustrates the strength of Flat Branch in the state.
In third was United Wholesale Mortgage, the top mortgage lender in the nation, which funded $1.1 billion via their vast network of mortgage brokers.
Fourth place went to Guild Mortgage with $1.0 billion, followed by Jefferson, MO-based Central Bank. with $796 million.
In sixth was St. Louis-based USA Mortgage with a similar amount, and places seven through 10 consisted of Columbia-based Veterans United, Fairway Home Mortgage, New American Funding, and U.S. Bank.
In all, four of the top 10 were Missouri-based companies, which is a pretty good showing for the locals.
Top Missouri Mortgage Lenders (for Home Buyers)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Flat Branch | $1.4 billion |
| 2. | Guild Mortgage | $900 million |
| 3. | UWM | $751 million |
| 4. | USA Mortgage | $656 million |
| 5. | Central Bank | $655 million |
| 6. | Veterans United | $521 million |
| 7. | Rocket Mortgage | $516 million |
| 8. | Fairway | $482 million |
| 9. | New American | $431 million |
| 10. | Stifel Bank | $378 million |
When we filter out the refis, and focus only on home purchase loans, Flat Branch easily remains king with $1.4 billion funded.
They were trailed by Guild Mortgage with about $900 million and UWM with $751 million.
In places fourth through six were three Missouri-based mortgage lenders that funded a similar amount.
It makes sense for the local lenders to top the purchase loan rankings as home buyers tend to stay close to home for such mortgages.
Rocket Mortgage took seventh, followed by Fairway Home Mortgage, New American Funding, and St. Louis-based Stifel Bank.
So we saw plenty of local names as expected.
Top Refinance Lenders in Missouri (for Existing Homeowners)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Rocket Mortgage | $633 million |
| 2. | UWM | $393 million |
| 3. | Freedom Mortgage | $252 million |
| 4. | Pennymac | $220 million |
| 5. | Flat Branch | $156 million |
| 6. | Guild Mortgage | $138 million |
| 7. | Veterans United | $133 million |
| 8. | Central Bank | $118 million |
| 9. | Newrez | $113 million |
| 10. | Village Capital | $104 million |
If we’re talking refinances only, Rocket Mortgage finally takes over U.S. Bank with $633 million funded.
And UWM claimed second with $393 million in refinance volume, followed by Freedom Mortgage with $252 million, a top VA loan lender.
In fourth was CA-based Pennymac, while overall leader Flat Branch could only muster fifth in the refi category.
The rest of the refi leaders included Guild Mortgage, Veterans United, Central Bank, Newrez, and Village Capital.
Top Mortgage Lenders in Kansas City
| Ranking | Company Name | 2024 Loan Volume |
| 1. | ComunityAmerica | $418 million |
| 2. | Fairway | $317 million |
| 3. | UWM | $316 million |
| 4. | Flat Branch | $301 million |
| 5. | Rocket Mortgage | $288 million |
| 6. | PrimeLending | $244 million |
| 7. | First State Bank of St. Charles | $145 million |
| 8. | LeaderOne | $136 million |
| 9. | Community Mtg. | $135 million |
| 10. | Arvest Bank | $128 million |
Top Mortgage Lenders in St. Louis
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Guild Mortgage | $738 million |
| 2. | UWM | $535 million |
| 3. | Stifel Bank | $444 million |
| 4. | USA Mortgage | $435 million |
| 5. | New American | $404 million |
| 6. | Rocket Mortgage | $403 million |
| 7. | Flat Branch | $327 million |
| 8. | U.S. Bank | $250 million |
| 9. | First State Bank of St. Charles | $234 million |
| 10. | Central Bank | $204 million |
Who Are the Best Missouri Mortgage Lenders Based on Customer Reviews?
Big is one thing, best is another. Although, sometimes they can overlap.
When we adjust the criteria to reviews instead of loan volume, we find that top lender Flat Branch has a solid 4.95/5 rating on Zillow from 1,200+ customer reviews.
But even better is Central Bank, which carries a 4.98/5 rating from over 1,500 customer reviews.
Similarly, USA Mortgage has a 4.98/5 from 3,300+ reviews, which is arguably better given the large sample size.
Meanwhile, Rocket Mortgage has a 4.5, Veteran United Home Loans (4.78/5), North American Savings Bank (4.96/5), and Homestead Financial Mortgage (4.98/5).
Then there’s Commerce Bank (4.98/5), Delmar Mortgage (4.94/5), Gershman Mortgage (4.97/5) and Nutter Home Loans (4.79/5).
In other words, there are lots and lots of highly-rated Missouri-based mortgage lenders to choose from.
Take the time to explore the many options out there and gather multiple quotes to ensure you get your hands on the best pricing.
(photo: Marcin Wichary)
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