Top Picks · O'fallon
Best Mortgage Brokers in O'fallon, MO
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As of June 2026, RatingsNearMe ranks 18 mortgage brokers in O'fallon, MO by verified customer ratings and review volume. The highest-rated is USA Mortgage with a 5.0-star rating from 181 verified reviews. 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 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
18
Businesses listed
5★
Avg rating
64
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
USA Mortgage
5377 State Rte N, Cottleville, MO 63304, USA
Guild Mortgage - Stephanie Shipley
1266 Imperial Main, Imperial, MO 63052, USA
Flat Branch Home Loans
947 Waterbury Falls Dr, O'Fallon, MO 63368, USA
Mortgage 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 | New American Funding - O'Fallon, MO2299 Technology Dr Suite 310, O'Fallon, MO 63368, USA | 4.9★ | 10 |
| #5 | STL Loan Advisors2528 State Hwy K Suite 204F, O'Fallon, MO 63368, USA | 5.0★ | 22 |
| #6 | Cross Country Mortgage - Melisa Jones111 Ungerboeck Park Suite 200, O'Fallon, MO 63368, USA | 4.9★ | 93 |
| #7 | Jim Weston - Preferred Rate3018 Winghaven Blvd, O'Fallon, MO 63368, USA | 5.0★ | 39 |
| #8 | Brennan Anderson MLO111 W Port Plaza Dr # 130, St. Louis, MO 63146, USA | 5.0★ | 37 |
| #9 | Melissa Gibbons - Preferred Rate3018 Winghaven Blvd, O'Fallon, MO 63368, USA | 5.0★ | 19 |
| #10 | Hutto Mortgage Team5377 State Rte N Ste. 217, Cottleville, MO 63304, USA | 5.0★ | 85 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in O'fallon
New American Funding - O'Fallon, MO
2299 Technology Dr Suite 310, O'Fallon, MO 63368, USA
STL Loan Advisors
2528 State Hwy K Suite 204F, O'Fallon, MO 63368, USA
Cross Country Mortgage - Melisa Jones
111 Ungerboeck Park Suite 200, O'Fallon, MO 63368, USA
Jim Weston - Preferred Rate
3018 Winghaven Blvd, O'Fallon, MO 63368, USA
Brennan Anderson MLO
111 W Port Plaza Dr # 130, St. Louis, MO 63146, USA
Melissa Gibbons - Preferred Rate
3018 Winghaven Blvd, O'Fallon, MO 63368, USA
Hutto Mortgage Team
5377 State Rte N Ste. 217, Cottleville, MO 63304, USA
Lynne Schlereth - Preferred Rate
3018 Winghaven Blvd, O'Fallon, MO 63368, USA
Wyatt Ragar - Preferred Rate
3018 Winghaven Blvd, O'Fallon, MO 63368, USA
Preferred Rate - O'Fallon
3018 Winghaven Blvd, O'Fallon, MO 63368, USA
Mortgage Store, LLC.
414 S Bishop Ave, Rolla, MO 65401, USA
Mortgage Partner's Group L.L.C.
121 Triad Center W, O'Fallon, MO 63366, USA
Dan Main
947 Waterbury Falls Dr, O'Fallon, MO 63368, USA
Integrity Mortgage of Missouri Corp
3893 Mid Rivers Mall Dr, Cottleville, MO 63376, USA
Home Loans with Integrity
3895 Mid Rivers Mall Dr, Cottleville, MO 63376, USA
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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 1, 2026.
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