4.5+ Stars · Chesterfield
Highly Rated Mortgage Brokers in Chesterfield, MO
Only the best make this list. These mortgage brokers in Chesterfield have earned 4.5+ star ratings from real customers — consistently.
As of May 2026, RatingsNearMe ranks 14 mortgage brokers in Chesterfield, MO by verified customer ratings and review volume. The highest-rated is First State Bank Mortgage with a 5.0-star rating from 353 verified reviews. Also in the top tier: Groundwork Mortgage and Guild Mortgage - Jason Jacobs. The average rating across all listed mortgage brokers in Chesterfield is 4.9 stars from 101 reviews per business on average.
Mortgage brokers in Chesterfield: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
14
Businesses listed
4.9★
Avg rating
101
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
First State Bank Mortgage
16690 Swingley Ridge Rd Suite 150, Chesterfield, MO 63017, USA
Groundwork Mortgage
687 Trade Center Blvd STE 120, Chesterfield, MO 63005, USA
Guild Mortgage - Jason Jacobs
17280 N Outer 40 Rd #101, Chesterfield, MO 63005, USA
Mortgage Brokers Rankings in Chesterfield, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | First State Bank Mortgage16690 Swingley Ridge Rd Suite 150, Chesterfield, MO 63017, USA | 5.0★ | 353 |
| #2 | Groundwork Mortgage687 Trade Center Blvd STE 120, Chesterfield, MO 63005, USA | 4.9★ | 183 |
| #3 | Guild Mortgage - Jason Jacobs17280 N Outer 40 Rd #101, Chesterfield, MO 63005, USA | 5.0★ | 168 |
| #4 | Guild Mortgage - Chris Wood17280 N Outer 40 Rd #101, Chesterfield, MO 63005, USA | 5.0★ | 133 |
| #5 | Midwest Equity Mortgage, NMLS# 2277651 McBride and Son Center Dr, Chesterfield, MO 63005, USA | 4.9★ | 111 |
| #6 | Knox Mortgage13990 Olive Blvd #201, Chesterfield, MO 63017, USA | 5.0★ | 131 |
| #7 | Flat Branch Home Loans14755 N Outer 40 Rd # 110, Chesterfield, MO 63017, USA | 4.8★ | 136 |
| #8 | Guild Mortgage Company17280 N Outer 40 Rd #101, Chesterfield, MO 63005, USA | 3.9★ | 19 |
| #9 | Select Mortgage14515 N Outer 40 Rd Suite 140, Chesterfield, MO 63017, USA | 5.0★ | 1 |
| #10 | LeaderOne Financial100 Chesterfield Business Pkwy #200, Chesterfield, MO 63005, USA | 5.0★ | 20 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Chesterfield
Guild Mortgage - Chris Wood
17280 N Outer 40 Rd #101, Chesterfield, MO 63005, USA
Midwest Equity Mortgage, NMLS# 227765
1 McBride and Son Center Dr, Chesterfield, MO 63005, USA
Knox Mortgage
13990 Olive Blvd #201, Chesterfield, MO 63017, USA
Flat Branch Home Loans
14755 N Outer 40 Rd # 110, Chesterfield, MO 63017, USA
Guild Mortgage Company
17280 N Outer 40 Rd #101, Chesterfield, MO 63005, USA
Select Mortgage
14515 N Outer 40 Rd Suite 140, Chesterfield, MO 63017, USA
LeaderOne Financial
100 Chesterfield Business Pkwy #200, Chesterfield, MO 63005, USA
Guild Mortgage - Scott Shafman
17280 N Outer 40 Rd #101, Chesterfield, MO 63005, USA
Guild Mortgage - Tony Roppa
17280 N Outer 40 Rd #101, Chesterfield, MO 63005, USA
Guild Mortgage - Mark Anderson
17280 N Outer 40 Rd #101, Chesterfield, MO 63005, USA
Guild Mortgage - Glen Calvin
17280 N Outer 40 Rd #101, Chesterfield, MO 63005, USA
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Frequently Asked Questions — Mortgage Brokers in Chesterfield
What does a mortgage broker do differently than going directly to a bank in Chesterfield?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Chesterfield?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in MO?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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