Licensed · Columbia
Licensed & Insured Mortgage Brokers in Columbia, MO
Every mortgage brokers listed here carries proper licensing and insurance in MO. Protect yourself — always verify credentials before work begins.
As of July 2026, RatingsNearMe ranks 16 mortgage brokers in Columbia, MO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Flat Branch Home Loans with a 5.0-star rating from 1,311 Google reviews and an RNM Score of 100/100. Also in the top tier: Veterans United Home Loans and USA Mortgage. The average rating across all listed mortgage brokers in Columbia is 4.9 stars from 613 reviews per business on average.
Mortgage brokers in Columbia: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Kelle Walters - Flat Branch Home Loans
Kelle Walters is consistently top-ranked for personalized service and local expertise in Columbia's mortgage market.
Most Reviewed
Veterans United Home Loans
A high review count indicates widespread customer experience and reliability, especially for military and veteran borrowers.
Compare loan options and fees across multiple brokers, and prioritize those with strong local reputations and transparent communication. Be sure to ask about first-time homebuyer programs and closing cost assistance.
Local Market Snapshot
16
Businesses listed
4.9★
Avg rating
613
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Columbia's top-rated mortgage broker with a perfect 5.0★ from over 1,300 reviews.
101 S 5th St #200, Columbia, MO 65201, USATrusted by thousands, this Columbia mortgage broker holds a stellar 4.9-star rating.
1400 Forum Blvd, Columbia, MO 65203, USATrusted by over 787 clients, this Columbia mortgage broker holds a flawless 5.0-star rating.
700 Cherry St # B, Columbia, MO 65201, USAMortgage Brokers Rankings in Columbia, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Flat Branch Home Loans101 S 5th St #200, Columbia, MO 65201, USA | 5.0★ | 1,311 |
| #2 | Veterans United Home Loans1400 Forum Blvd, Columbia, MO 65203, USA | 4.9★ | 6,346 |
| #3 | USA Mortgage700 Cherry St # B, Columbia, MO 65201, USA | 5.0★ | 787 |
| #4 | Bell Bank Mortgage, Ryan Campbell3610 Buttonwood Dr Suite 200, Columbia, MO 65201, USA | 5.0★ | 52 |
| #5 | Dylan Morgret-USA Mortgage700 Cherry St # B, Columbia, MO 65201, USA | 5.0★ | 31 |
| #6 | Jacob Garrett Motto Mortgage Pathway803 E Walnut St Suite #403, Columbia, MO 65201, USA | 5.0★ | 2 |
| #7 | Flat Branch Home Loans – Crystal Himmelberg101 S 5th St #200, Columbia, MO 65201, USA | 5.0★ | 32 |
| #8 | Flat Branch Home Loans - Laura Kogut101 S 5th St #200, Columbia, MO 65201, USA | 5.0★ | 45 |
| #9 | Flat Branch Home Loan - House of Brokers1515 Chapel Hill Rd, Columbia, MO 65203, USA | 5.0★ | 2 |
| #10 | Kelle Walters - Flat Branch Home Loans101 S 5th St #200, Columbia, MO 65201, USA | 5.0★ | 61 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Columbia
Columbia's top-rated mortgage broker with a perfect 5.0★ from 52 reviews.
3610 Buttonwood Dr Suite 200, Columbia, MO 65201, USA
5.0-star mortgage broker in Columbia, MO with dozens of glowing Google reviews.
700 Cherry St # B, Columbia, MO 65201, USA
5.0-star rated mortgage broker in Columbia, MO with two reviews.
803 E Walnut St Suite #403, Columbia, MO 65201, USA
5.0-star rating from 32 Google reviews, reflecting exceptional client satisfaction.
101 S 5th St #200, Columbia, MO 65201, USA
Top-rated Columbia mortgage broker with a perfect 5.0★ score from 45 reviews.
101 S 5th St #200, Columbia, MO 65201, USA
Earns a perfect 5.0-star rating from its first two Google reviews.
1515 Chapel Hill Rd, Columbia, MO 65203, USA
Rated 5.0 stars from 61 Google reviews by local clients in Columbia.
101 S 5th St #200, Columbia, MO 65201, USA
Columbia's top-rated mortgage broker with a 4.9★ average from over 200 reviews.
219 E Broadway, Columbia, MO 65203, USA
Rated 4.6 stars from 67 Google reviews, trusted by local homebuyers in Columbia.
3400 W Broadway Business Park Ct #106, Columbia, MO 65203, USA
Trusted by hundreds of local clients, this broker holds a strong 4.7-star rating.
3621 Discovery Pkwy Suite 115, Columbia, MO 65201, USA
5.0 stars from 24 reviews, reflecting exceptional client satisfaction in Columbia.
303 N Stadium Blvd 2nd Floor, Columbia, MO 65203, USA
Rated 5.0 stars from 12 Google reviews by local clients in Columbia.
3700 Monterey Dr, Columbia, MO 65203, USA
Consistently rated 5.0 stars from 7 Google reviews in Columbia.
3400 W Broadway Business Park Ct #106, Columbia, MO 65203, USA
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Mortgage Brokers in Columbia, MO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Flat Branch Home Loans | 100/100 | 5.0 ★ | 1,311 |
| 2 | Veterans United Home Loans | 90/100 | 4.9 ★ | 6,346 |
| 3 | USA Mortgage | 92/100 | 5.0 ★ | 787 |
| 4 | Bell Bank Mortgage, Ryan Campbell | 92/100 | 5.0 ★ | 52 |
| 5 | Dylan Morgret-USA Mortgage | 89/100 | 5.0 ★ | 31 |
| 6 | Jacob Garrett Motto Mortgage Pathway | 76/100 | 5.0 ★ | 2 |
| 7 | Flat Branch Home Loans – Crystal Himmelberg | 89/100 | 5.0 ★ | 32 |
| 8 | Flat Branch Home Loans - Laura Kogut | 91/100 | 5.0 ★ | 45 |
| 9 | Flat Branch Home Loan - House of Brokers | 76/100 | 5.0 ★ | 2 |
| 10 | Kelle Walters - Flat Branch Home Loans | 92/100 | 5.0 ★ | 61 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Columbia
What does a mortgage broker do differently than going directly to a bank in Columbia?
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 Columbia?
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: July 4, 2026.
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