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Best Missouri Mortgage Lenders of 2019

Finding the Right Mortgage, Mortgages
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

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.

Best Missouri mortgage lenders for first-time home buyers

These lenders have experience with state and national loan programs that make homeownership more accessible for first-time buyers.

Quicken Loans
4.5 NerdWallet rating
  • Is the largest FHA lender in the nation
  • Offers a full complement of mortgage products for buying and refinancing
  • Has digital tools so you can complete the mortgage process entirely online
  • Quicken Loans review
4.5 NerdWallet rating
  • Embraces FHA-backed home loans
  • Finds state bond programs for first-time home buyers and limited-income households
  • Offers a full menu of fixed-rate and adjustable-rate home loans and refinancing
  • Flagstar Bank review

Best online mortgage lenders in Missouri

Skip the time-consuming paperwork and office visits with the digital tools offered by these lenders.

NBKC logo
4.5 NerdWallet rating
  • Offers a wide range of mortgage types and products
  • Lets you complete and track your mortgage application online
  • Uses e-signatures for faster application processing
  • NBKC Bank review
4.5 NerdWallet rating
  • Online and mobile-friendly application process
  • Loan approval takes just minutes
  • Offers on-demand assistance from licensed mortgage advisors
  • Rocket Mortgage review

Best Missouri mortgage lenders for low down payments

These lenders understand it can be difficult to save 20% for a down payment, so they have home loan options with more relaxed requirements.

4.5 NerdWallet rating
  • Specializes in low-down-payment loans for borrowers with lower credit scores.
  • Considers alternative credit data, like bank statements and rent payments.
  • Offers FHA, VA, USDA and conventional loans.
  • Vylla review
4.0 NerdWallet rating
  • 3% down payment loan program with no mortgage insurance for first-time home buyers
  • 5% down payment loan program with no mortgage insurance for doctors
  • In-house video conferencing with loan officers at branches across the U.S.
  • Bank of America review

Best Missouri mortgage lenders for USDA loans

If you’re buying in a rural area, these lenders can help you access USDA loans with flexible income and down payment requirements.

4.5 NerdWallet rating
  • Experienced provider of government-backed loans, such as USDA
  • Bilingual agents available to assist Spanish-speaking borrowers
  • Helps borrowers find state and local down payment assistance programs
  • New American Funding review
4.0 NerdWallet rating
  • Provides a full selection of home loans, including USDA, FHA and VA
  • Website offers in-depth home-buying FAQs and a mortgage glossary
  • Mobile app lets you apply for a loan in under 10 minutes
  • Fairway Independent Mortgage review

Best Missouri mortgage lenders for veterans

These mortgage lenders specialize in low-down-payment VA loans and other services that help military members become homeowners.

NBKC logo
4.5 NerdWallet rating
  • Offers VA home purchase and streamline refinance loans
  • Waives lender fee for VA borrowers
  • Preapproval available online or over the phone
  • NBKC Bank review
4.5 NerdWallet rating
  • The largest VA home purchase lender in the nation
  • Offers 24/7 customer service
  • Free credit score education and repair service available
  • Veterans United review


Best Missouri mortgage lenders: summary

More from NerdWallet

Calculate your Missouri mortgage payment

Best Kansas City mortgage lenders

Find Missouri first-time home buyer programs

NerdWallet’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.