Top Mortgage Lenders in Missouri (2025)
In 2025, 910 lenders made 145,913 home loans worth $35.6 billion in Missouri, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 18.2% of them. Flat Branch Mortgage, Inc. made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in Missouri, 2025
Ranked by the number of home loans each lender made (originated) in Missouri in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | Flat Branch Mortgage, Inc. Columbia, MO | 7,304 | $1.8B | $244,000 | 5.0% | 1.2% |
| 2 | Guild Mortgage Company San Diego, CA | 5,462 | $1.3B | $237,000 | 3.7% | 3.1% |
| 3 | United Wholesale Mortgage Plymouth, MI | 5,338 | $1.5B | $273,000 | 3.7% | 9.0% |
| 4 | The Central Trust Bank Jefferson City, MO | 4,768 | $1.1B | $229,000 | 3.3% | 12.4% |
| 5 | Communityamerica Federal Credit Union Lenexa, KS | 3,721 | $735.7M | $198,000 | 2.6% | 20.0% |
| 6 | US Bank, N.A. Cincinnati, OH | 3,622 | $644.5M | $178,000 | 2.5% | 38.8% |
| 7 | Das Acquisition Company, LLC Saint Louis, MO | 3,201 | $798.1M | $249,000 | 2.2% | 2.8% |
| 8 | Mortgage Research Center Columbia, MO | 2,901 | $776.6M | $268,000 | 2.0% | 23.3% |
| 9 | New American Funding, Llc. Tustin, CA | 2,619 | $607.9M | $232,000 | 1.8% | 12.8% |
| 10 | PennyMac Loan Services LLC Westlake Village, CA | 2,580 | $588.7M | $228,000 | 1.8% | 17.2% |
| 11 | Commerce Bank Kansas City, MO | 2,488 | $365.9M | $147,000 | 1.7% | 34.5% |
| 12 | First Community Credit Union Chesterfield, MO | 2,430 | $371.3M | $153,000 | 1.7% | 31.2% |
| 13 | Fairway Independent Mort Corp Madison, WI | 2,363 | $591.0M | $250,000 | 1.6% | 4.5% |
| 14 | Arvest Bank Tulsa, OK | 2,139 | $515.4M | $241,000 | 1.5% | 18.1% |
| 15 | First State Community Bank Farmington, MO | 1,937 | $421.5M | $218,000 | 1.3% | 15.3% |
| 16 | Freedom Mortgage Corporation Boca Raton, FL | 1,814 | $472.7M | $261,000 | 1.2% | 13.2% |
| 17 | Gershman Investment Corp. Chesterfield, MO | 1,690 | $399.0M | $236,000 | 1.2% | 8.0% |
| 18 | First State Bank of St Charles St Charles, MO | 1,585 | $476.8M | $301,000 | 1.1% | 0.0% |
| 19 | Leaderone Financial Corp. Overland Park, KS | 1,526 | $344.8M | $226,000 | 1.0% | 10.3% |
| 20 | Stifel Bank & Trust St. Louis, MO | 1,522 | $560.4M | $368,000 | 1.0% | 2.5% |
| 21 | Bank of America NA Westlake Village, CA | 1,520 | $278.2M | $183,000 | 1.0% | 40.4% |
| 22 | Primelending Dallas, TX | 1,496 | $372.9M | $249,000 | 1.0% | 2.8% |
| 23 | Nationstar Mortgage Coppell, TX | 1,406 | $205.3M | $146,000 | 1.0% | 16.0% |
| 24 | Newrez LLC Fort Washington, PA | 1,311 | $316.2M | $241,000 | 0.9% | 31.6% |
| 25 | Regions Bank Birmingham, AL | 1,188 | $190.7M | $161,000 | 0.8% | 36.9% |
Top Home Purchase Lenders in Missouri
807 lenders made 79,314 home purchase loans worth $22.1 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Flat Branch Mortgage, Inc. Columbia, MO | 6,293 | 7.9% |
| 2 | Guild Mortgage Company San Diego, CA | 4,353 | 5.5% |
| 3 | United Wholesale Mortgage Plymouth, MI | 3,054 | 3.9% |
| 4 | Das Acquisition Company, LLC Saint Louis, MO | 2,733 | 3.4% |
| 5 | The Central Trust Bank Jefferson City, MO | 2,481 | 3.1% |
| 6 | Mortgage Research Center Columbia, MO | 2,372 | 3.0% |
| 7 | Fairway Independent Mort Corp Madison, WI | 2,023 | 2.6% |
| 8 | New American Funding, Llc. Tustin, CA | 1,884 | 2.4% |
| 9 | Communityamerica Federal Credit Union Lenexa, KS | 1,483 | 1.9% |
| 10 | Gershman Investment Corp. Chesterfield, MO | 1,444 | 1.8% |
Top Refinance Lenders in Missouri
547 lenders made 24,673 refinance loans worth $7.5 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 1,530 | 6.2% |
| 2 | Freedom Mortgage Corporation Boca Raton, FL | 1,165 | 4.7% |
| 3 | PennyMac Loan Services LLC Westlake Village, CA | 845 | 3.4% |
| 4 | Guild Mortgage Company San Diego, CA | 761 | 3.1% |
| 5 | Commerce Bank Kansas City, MO | 692 | 2.8% |
| 6 | Communityamerica Federal Credit Union Lenexa, KS | 621 | 2.5% |
| 7 | Flat Branch Mortgage, Inc. Columbia, MO | 573 | 2.3% |
| 8 | Newrez LLC Fort Washington, PA | 388 | 1.6% |
| 9 | Village Capital & Investment Henderson, NV | 385 | 1.6% |
| 10 | Bank of America NA Westlake Village, CA | 363 | 1.5% |
Top Cash-Out Refinance Lenders in Missouri
429 lenders made 18,800 cash-out refinance loans worth $3.8 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 754 | 4.0% |
| 2 | The Central Trust Bank Jefferson City, MO | 670 | 3.6% |
| 3 | Amerisave Mortgage Company Sandy Springs, GA | 599 | 3.2% |
| 4 | Freedom Mortgage Corporation Boca Raton, FL | 562 | 3.0% |
| 5 | PennyMac Loan Services LLC Westlake Village, CA | 542 | 2.9% |
| 6 | US Bank, N.A. Cincinnati, OH | 536 | 2.9% |
| 7 | loanDepot.com LLC Irvine, CA | 487 | 2.6% |
| 8 | Newrez LLC Fort Washington, PA | 473 | 2.5% |
| 9 | Flat Branch Mortgage, Inc. Columbia, MO | 379 | 2.0% |
| 10 | Nationstar Mortgage Coppell, TX | 368 | 2.0% |
Top FHA Lenders in Missouri
267 lenders made 19,296 FHA loans worth $4.5 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Flat Branch Mortgage, Inc. Columbia, MO | 1,735 | 9.0% |
| 2 | Guild Mortgage Company San Diego, CA | 1,128 | 5.8% |
| 3 | United Wholesale Mortgage Plymouth, MI | 952 | 4.9% |
| 4 | PennyMac Loan Services LLC Westlake Village, CA | 832 | 4.3% |
| 5 | Das Acquisition Company, LLC Saint Louis, MO | 817 | 4.2% |
| 6 | Freedom Mortgage Corporation Boca Raton, FL | 783 | 4.1% |
| 7 | New American Funding, Llc. Tustin, CA | 663 | 3.4% |
| 8 | Fairway Independent Mort Corp Madison, WI | 516 | 2.7% |
| 9 | Leaderone Financial Corp. Overland Park, KS | 453 | 2.3% |
| 10 | Gershman Investment Corp. Chesterfield, MO | 407 | 2.1% |
Top VA Lenders in Missouri
234 lenders made 12,318 VA loans worth $3.8 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Mortgage Research Center Columbia, MO | 2,411 | 19.6% |
| 2 | Freedom Mortgage Corporation Boca Raton, FL | 862 | 7.0% |
| 3 | United Wholesale Mortgage Plymouth, MI | 816 | 6.6% |
| 4 | Flat Branch Mortgage, Inc. Columbia, MO | 733 | 6.0% |
| 5 | PennyMac Loan Services LLC Westlake Village, CA | 461 | 3.7% |
| 6 | Navy Federal Credit Union Vienna, VA | 387 | 3.1% |
| 7 | Newrez LLC Fort Washington, PA | 356 | 2.9% |
| 8 | New Day Financial, Llc. West Palm Beach, FL | 303 | 2.5% |
| 9 | Guild Mortgage Company San Diego, CA | 292 | 2.4% |
| 10 | Village Capital & Investment Henderson, NV | 282 | 2.3% |
Top USDA Lenders in Missouri
127 lenders made 2,361 USDA loans worth $405.0 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Flat Branch Mortgage, Inc. Columbia, MO | 538 | 22.8% |
| 2 | Guild Mortgage Company San Diego, CA | 307 | 13.0% |
| 3 | Das Acquisition Company, LLC Saint Louis, MO | 290 | 12.3% |
| 4 | Flanagan State Bank Flanagan, IL | 117 | 5.0% |
| 5 | Gershman Investment Corp. Chesterfield, MO | 83 | 3.5% |
| 6 | The Central Trust Bank Jefferson City, MO | 47 | 2.0% |
| 7 | Click N' Close, Inc. Addison, TX | 41 | 1.7% |
| 8 | Thompson Kane & Company, Inc Madison, WI | 35 | 1.5% |
| 9 | Plaza Home Mortgage, Inc San Diego, CA | 34 | 1.4% |
| 10 | CMG Mortgage Inc San Ramon, IL | 32 | 1.4% |
Get the lender lists
The Missouri mortgage lender list has the 489 lenders based in Missouri, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($129 for 2025, $258 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
Missouri lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in Missouri.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in Missouri. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on Missouri
Missouri mortgage data by county and metro area · mortgage lenders by city in Missouri
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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