BEST OF
10 Best Missouri Mortgage Lenders of 2021
Searching for the best Missouri mortgage lender? See our picks for the top lenders in various categories, including borrowers who are first-time home buyers, want a low down payment or seek the convenience of an online process.
Finding the right Missouri mortgage lender is important when buying a home, but it can feel overwhelming. If comparing credit requirements, interest rates and lender fees makes your head spin, NerdWallet is here to help.
We researched the Show Me State’s leading mortgage lenders, then matched the best ones to five specific borrower needs.
Whether you hope to buy a condo in St. Louis, a split-level in Kansas City or a farmhouse in Excelsior Springs, consider these lenders for your mortgage needs.
Finding the right Missouri mortgage lender is important when buying a home, but it can feel overwhelming. If comparing credit requirements, interest rates and lender fees makes your head spin, NerdWallet is here to help.
We researched the Show Me State’s leading mortgage lenders, then matched the best ones to five specific borrower needs.
Whether you hope to buy a condo in St. Louis, a split-level in Kansas City or a farmhouse in Excelsior Springs, consider these lenders for your mortgage needs.
Summary of Best Missouri Mortgage Lenders of 2021
Lender | NerdWallet Rating | Minimum Credit Score | Minimum Down Payment | Learn More |
---|---|---|---|---|
Best for first-time home buyers | 620 | 3% | at Quicken Loans | |
Best for first-time home buyers | 620 | 3% | Read review | |
Best for online experience | 620 | 3% | at NBKC | |
Best for online experience | 620 | 3% | at Rocket Mortgage by Quicken Loans | |
Best for low down payments | 620 | 3% | Read review | |
Best for low down payments | 620 | 3% | Read review | |
Best for USDA loans | 640 | 3% | at New American Funding | |
Best for USDA loans | 620 | 3% | at Fairway Independent Mortgage | |
Best for veterans | 660 | 0% | at NBKC | |
Best for veterans | 660 | 0% | Read review |
at Quicken Loans
Quicken Loans: NMLS#3030
Min. Credit Score
Min. Down Payment
at Quicken Loans
Flagstar: NMLS#417490

Min. Credit Score
Min. Down Payment
at NBKC
NBKC: NMLS#409631
Min. Credit Score
Min. Down Payment
at NBKC
at Rocket Mortgage by Quicken Loans
Rocket Mortgage by Quicken Loans: NMLS#3030
Min. Credit Score
Min. Down Payment
at Rocket Mortgage by Quicken Loans
Carrington: NMLS#2600

Min. Credit Score
Min. Down Payment
Bank of America: NMLS#399802

Min. Credit Score
Min. Down Payment
at New American Funding
New American Funding: NMLS#6606
Min. Credit Score
National / Regional
at New American Funding
at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. Credit Score
National / Regional
at Fairway Independent Mortgage
at NBKC
NBKC: NMLS#409631
Min. Credit Score
Min. Down Payment
at NBKC
Veterans First Mortgage: NMLS#449042

Min. Credit Score
Min. Down Payment
Last updated on January 27, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
To recap our selections...
NerdWallet's Best Missouri Mortgage Lenders of 2021
- Quicken Loans: Best for first-time home buyers
- Flagstar: Best for first-time home buyers
- NBKC: Best for online experience
- Rocket Mortgage by Quicken Loans: Best for online experience
- Carrington: Best for low down payments
- Bank of America: Best for low down payments
- New American Funding: Best for USDA loans
- Fairway Independent Mortgage: Best for USDA loans
- NBKC: Best for veterans
- Veterans First Mortgage: Best for veterans