Licensed · O'fallon
Licensed & Insured Mortgage Brokers in O'fallon, MO
Every mortgage brokers listed here carries proper licensing and insurance in MO. Protect yourself — always verify credentials before work begins.
As of June 2026, RatingsNearMe ranks 18 mortgage brokers in O'fallon, MO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is USA Mortgage with a 5.0-star rating from 181 Google reviews and an RNM Score of 87/100. Also in the top tier: Guild Mortgage - Stephanie Shipley and Flat Branch Home Loans. The average rating across all listed mortgage brokers in O'fallon is 5 stars from 64 reviews per business on average.
Mortgage brokers in O'fallon: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Mortgage brokers in O'Fallon, MO help consumers navigate the home loan process by comparing rates and terms from multiple lenders. Consumers should research local brokers' experience, licensing, and customer reviews when selecting a mortgage professional.
- ✓Mortgage brokers in O'Fallon, MO work with multiple lenders to find the best loan options for consumers
- ✓Consumers should research brokers' credentials, licensing, and customer reviews when choosing a mortgage professional
- ✓Mortgage brokers can assist with a variety of home loan types including conventional, FHA, VA, and jumbo loans
Best Overall
STL Loan Advisors
STL Loan Advisors is consistently top-ranked for its combination of strong local reputation, high customer satisfaction, and comprehensive mortgage services in O'Fallon.
Most Reviewed
STL Loan Advisors
A high review count indicates broad experience and trust from many clients, which can signal reliability and consistent service quality.
When choosing a mortgage broker in O'Fallon, compare rates, fees, and communication style; reading recent reviews and asking for referrals can help ensure you find a broker who fits your specific needs.
How to Choose a Mortgage Broker in O'fallon
What to look for
- • Experience and expertise in the O'Fallon, MO market
- • Positive reviews and references from past clients
- • Transparent fees and cost breakdowns
- • Responsiveness and clear communication
Questions to ask
- • How long have you been a mortgage broker in O'Fallon?
- • Can you provide references from recent clients in the O'Fallon area?
- • What is your process for finding the best loan options for my needs?
Red flags
- ⚠ Unwillingness to provide a detailed cost estimate upfront
- ⚠ Lack of knowledge about the O'Fallon, MO housing market
- ⚠ Pressure to use specific lenders or services
In Missouri, mortgage brokers must be licensed by the Division of Finance. Be sure to verify the broker's license and check for any disciplinary actions or complaints.
Local Market Snapshot
18
Businesses listed
5★
Avg rating
64
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
5.0 stars from 181 reviews, making them a top-rated local mortgage broker.
5377 State Rte N, Cottleville, MO 63304, USA5.0-star mortgage broker in O'Fallon, MO, trusted by over 130 clients.
1266 Imperial Main, Imperial, MO 63052, USAO'Fallon mortgage broker with a perfect 5.0★ rating from over 130 reviews.
947 Waterbury Falls Dr, O'Fallon, MO 63368, USAMortgage Brokers Rankings in O'fallon, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | USA Mortgage5377 State Rte N, Cottleville, MO 63304, USA | 5.0★ | 181 |
| #2 | Guild Mortgage - Stephanie Shipley1266 Imperial Main, Imperial, MO 63052, USA | 5.0★ | 132 |
| #3 | Flat Branch Home Loans947 Waterbury Falls Dr, O'Fallon, MO 63368, USA | 5.0★ | 130 |
| #4 | Mortgage Store, LLC.414 S Bishop Ave, Rolla, MO 65401, USA | 4.7★ | 42 |
| #5 | Jim Weston - Preferred Rate3018 Winghaven Blvd, O'Fallon, MO 63368, USA | 5.0★ | 39 |
| #6 | Brennan Anderson MLO111 W Port Plaza Dr # 130, St. Louis, MO 63146, USA | 5.0★ | 37 |
| #7 | Wyatt Ragar - Preferred Rate3018 Winghaven Blvd, O'Fallon, MO 63368, USA | 5.0★ | 20 |
| #8 | Cross Country Mortgage - Melisa Jones111 Ungerboeck Park Suite 200, O'Fallon, MO 63368, USA | 4.9★ | 93 |
| #9 | Hutto Mortgage Team5377 State Rte N Ste. 217, Cottleville, MO 63304, USA | 5.0★ | 85 |
| #10 | Lynne Schlereth - Preferred Rate3018 Winghaven Blvd, O'Fallon, MO 63368, USA | 5.0★ | 19 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in O'fallon
Trusted by local clients, earning 4.7 stars from 42 Google reviews.
414 S Bishop Ave, Rolla, MO 65401, USA
Rated 5.0 stars from 39 Google reviews, this O'Fallon mortgage broker is highly trusted.
3018 Winghaven Blvd, O'Fallon, MO 63368, USA
Rated 5.0 stars from 37 Google reviews, this O'Fallon broker is highly trusted.
111 W Port Plaza Dr # 130, St. Louis, MO 63146, USA
O'Fallon mortgage broker with a perfect 5.0-star rating from 20 Google reviews.
3018 Winghaven Blvd, O'Fallon, MO 63368, USA
Exceptional 4.9-star rating from 93 Google reviews for O'Fallon mortgage services.
111 Ungerboeck Park Suite 200, O'Fallon, MO 63368, USA
5.0 stars from 85 reviews, making this a top-rated local choice.
5377 State Rte N Ste. 217, Cottleville, MO 63304, USA
Top-rated O'Fallon mortgage broker with a perfect 5.0-star rating from 19 reviews.
3018 Winghaven Blvd, O'Fallon, MO 63368, USA
Top-rated O'Fallon mortgage broker with a perfect 5.0-star score from 19 reviews.
3018 Winghaven Blvd, O'Fallon, MO 63368, USA
O'Fallon mortgage broker with a 4.9-star rating from 10 Google reviews.
2299 Technology Dr Suite 310, O'Fallon, MO 63368, USA
New to Google reviews; no customer ratings yet for this O'Fallon mortgage broker.
3018 Winghaven Blvd, O'Fallon, MO 63368, USA
O'Fallon mortgage broker with a perfect 5.0 rating from 77 Google reviews.
3895 Mid Rivers Mall Dr, Cottleville, MO 63376, USA
Trusted by clients with a 4.9-star rating from nearly 80 reviews.
947 Waterbury Falls Dr, O'Fallon, MO 63368, USA
5.0 stars from 73 Google reviews—top-rated mortgage broker in O'Fallon.
121 Triad Center W, O'Fallon, MO 63366, USA
O'Fallon mortgage broker with a 4.8-star rating from 34 Google reviews.
3893 Mid Rivers Mall Dr, Cottleville, MO 63376, USA
Top-rated mortgage broker in O'Fallon with a perfect 5.0 rating from 22 reviews.
2528 State Hwy K Suite 204F, O'Fallon, MO 63368, USA
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Mortgage Brokers in O'fallon, MO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | USA Mortgage | 87/100 | 5.0 ★ | 181 |
| 2 | Guild Mortgage - Stephanie Shipley | 85/100 | 5.0 ★ | 132 |
| 3 | Flat Branch Home Loans | 85/100 | 5.0 ★ | 130 |
| 4 | Mortgage Store, LLC. | 74/100 | 4.7 ★ | 42 |
| 5 | Jim Weston - Preferred Rate | 78/100 | 5.0 ★ | 39 |
| 6 | Brennan Anderson MLO | 78/100 | 5.0 ★ | 37 |
| 7 | Wyatt Ragar - Preferred Rate | 75/100 | 5.0 ★ | 20 |
| 8 | Cross Country Mortgage - Melisa Jones | 81/100 | 4.9 ★ | 93 |
| 9 | Hutto Mortgage Team | 83/100 | 5.0 ★ | 85 |
| 10 | Lynne Schlereth - Preferred Rate | 75/100 | 5.0 ★ | 19 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Mortgage Brokers in O'fallon
What does a mortgage broker do differently than going directly to a bank in O'fallon?
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 O'fallon?
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: June 10, 2026.
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