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Mortgage Brokers Near You in Independence, MO
Find mortgage brokers close to you in Independence. All results are sorted by proximity and rated by real local customers.
As of May 2026, RatingsNearMe ranks 16 mortgage brokers in Independence, MO by verified customer ratings and review volume. The highest-rated is World Finance with a 4.9-star rating from 445 verified reviews. Also in the top tier: Missouri Title Loans, Inc. and Sun Loan Company. The average rating across all listed mortgage brokers in Independence is 4.8 stars from 137 reviews per business on average.
Mortgage brokers in Independence: 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
16
Businesses listed
4.8★
Avg rating
137
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
World Finance
1520 East 23rd St S Suite N, Independence, MO 64055, USA
Missouri Title Loans, Inc.
1503 West 23rd St S, Independence, MO 64050, USA
Sun Loan Company
2411 Rte 291 Suite P, Independence, MO 64057, USA
Mortgage Brokers Rankings in Independence, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | World Finance1520 East 23rd St S Suite N, Independence, MO 64055, USA | 4.9★ | 445 |
| #2 | Missouri Title Loans, Inc.1503 West 23rd St S, Independence, MO 64050, USA | 4.9★ | 326 |
| #3 | Sun Loan Company2411 Rte 291 Suite P, Independence, MO 64057, USA | 4.8★ | 379 |
| #4 | Community Mortgage, LLC19045 E Valley View Pkwy f, Independence, MO 64055, USA | 4.1★ | 7 |
| #5 | KC Mortgage Duo2 Victory Dr Suite #250, Liberty, MO 64068, USA | 5.0★ | 57 |
| #6 | Atlas Mortgage Group601 E 63rd St, Kansas City, MO 64110, USA | 5.0★ | 56 |
| #7 | Churchill Mortgage - Kansas City2300 Main St Ste 900, Kansas City, MO 64108, USA | 4.5★ | 84 |
| #8 | US Bank Mortgage100 E US Hwy 24, Independence, MO 64050, USA | 5.0★ | 1 |
| #9 | Square One Solutions - Trevor Tilton, broker800 W Maple Ave, Independence, MO 64050, USA | 5.0★ | 10 |
| #10 | Security Finance10808 East 23rd St S STE B, Independence, MO 64052, USA | 4.9★ | 182 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Independence
Community Mortgage, LLC
19045 E Valley View Pkwy f, Independence, MO 64055, USA
KC Mortgage Duo
2 Victory Dr Suite #250, Liberty, MO 64068, USA
Atlas Mortgage Group
601 E 63rd St, Kansas City, MO 64110, USA
Churchill Mortgage - Kansas City
2300 Main St Ste 900, Kansas City, MO 64108, USA
US Bank Mortgage
100 E US Hwy 24, Independence, MO 64050, USA
Square One Solutions - Trevor Tilton, broker
800 W Maple Ave, Independence, MO 64050, USA
Security Finance
10808 East 23rd St S STE B, Independence, MO 64052, USA
Community Mortgage (Chris Hernandez - NMLS :276755)
19045 E Valley View Pkwy f, Independence, MO 64055, USA
NACA
100 E 43rd St, Kansas City, MO 64111, USA
Mariner Finance
20130 E Jackson Dr, Independence, MO 64057, USA
Regional Finance
18920 E Valley View Pkwy G, Independence, MO 64055, USA
OneMain Financial
4201 S Noland Rd T, Independence, MO 64055, USA
Hard Money Lenders Independence MO
201 N Forest Ave, Independence, MO 64050, USA
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Frequently Asked Questions — Mortgage Brokers in Independence
What does a mortgage broker do differently than going directly to a bank in Independence?
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 Independence?
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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