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Cheap Mortgage Brokers in Saint Louis, MO — Best Prices
Compare mortgage brokers prices in Saint Louis to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Saint Louis, MO by verified customer ratings and review volume. The highest-rated is PrimeLending, A PlainsCapital Company - St Louis with a 4.9-star rating from 88 verified reviews. Also in the top tier: Nichols & Co. Mortgage Advisors and Pinnacle Real Estate Advisor Home Loans. The average rating across all listed mortgage brokers in Saint Louis is 4.7 stars from 243 reviews per business on average.
Mortgage brokers in Saint Louis: 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
20
Businesses listed
4.7★
Avg rating
243
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
PrimeLending, A PlainsCapital Company - St Louis
6 Cardinal Wy Suite 900, Office 60, St. Louis, MO 63102, USA
Nichols & Co. Mortgage Advisors
4303 McPherson Ave, St. Louis, MO 63108, USA
Pinnacle Real Estate Advisor Home Loans
2020 Marconi Ave, St. Louis, MO 63110, USA
Mortgage Brokers Rankings in Saint Louis, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | PrimeLending, A PlainsCapital Company - St Louis6 Cardinal Wy Suite 900, Office 60, St. Louis, MO 63102, USA | 4.9★ | 88 |
| #2 | Nichols & Co. Mortgage Advisors4303 McPherson Ave, St. Louis, MO 63108, USA | 5.0★ | 35 |
| #3 | Pinnacle Real Estate Advisor Home Loans2020 Marconi Ave, St. Louis, MO 63110, USA | 5.0★ | 158 |
| #4 | Guild Mortgage - Zoran Ponjevic4643 Gravois Ave, St. Louis, MO 63116, USA | 4.9★ | 39 |
| #5 | Guild Mortgage Company4643 Gravois Ave, St. Louis, MO 63116, USA | 4.8★ | 22 |
| #6 | Better Rate Mortgage - Mortgage Lender1118 Hampton Ave, St. Louis, MO 63139, USA | 5.0★ | 423 |
| #7 | Carlson Mortgage7777 Bonhomme Ave Suit 1800, Clayton, MO 63105, USA | 5.0★ | 285 |
| #8 | Haven Home Equity - NMLS# 418121 The Blvd Saint Louis, Richmond Heights, MO 63117, USA | 4.9★ | 1,009 |
| #9 | Mortgage Solutions of St. Louis9849 Manchester Rd, St. Louis, MO 63119, USA | 4.8★ | 66 |
| #10 | Stuart's American Mortgage Corporation St. Louis9520 Lackland Rd, St. Louis, MO 63114, USA | 4.9★ | 368 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Saint Louis
Guild Mortgage - Zoran Ponjevic
4643 Gravois Ave, St. Louis, MO 63116, USA
Guild Mortgage Company
4643 Gravois Ave, St. Louis, MO 63116, USA
Better Rate Mortgage - Mortgage Lender
1118 Hampton Ave, St. Louis, MO 63139, USA
Carlson Mortgage
7777 Bonhomme Ave Suit 1800, Clayton, MO 63105, USA
Haven Home Equity - NMLS# 4181
21 The Blvd Saint Louis, Richmond Heights, MO 63117, USA
Mortgage Solutions of St. Louis
9849 Manchester Rd, St. Louis, MO 63119, USA
Stuart's American Mortgage Corporation St. Louis
9520 Lackland Rd, St. Louis, MO 63114, USA
US Bank Mortgage
Florissant, MO 63033, USA
mortgageprecheck.com
1285 Acredale Dr, Florissant, MO 63033, USA
Missouri Title Loans, Inc.
12695 New Halls Ferry Road, Florissant, MO 63033, USA
Flat Branch Home Loans
11780 Manchester Rd #106, Des Peres, MO 63131, USA
Guild Mortgage - Marlene DeNoyer
9717 Landmark Pkwy Dr #101, St. Louis, MO 63127, USA
Guild Mortgage Company
629 Rue St. Francois St, Florissant, MO 63031, USA
Guild Mortgage - Jessica Barber
629 Rue St. Francois St, Florissant, MO 63031, USA
Guild Mortgage - Amanda Lehr Dempsey
629 Rue St. Francois St, Florissant, MO 63031, USA
Hard Money Lenders Florissant MO
100 St Francois St, Florissant, MO 63031, USA
Golden Oak Lending
11737 Administration Dr, St. Louis, MO 63146, USA
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Frequently Asked Questions — Mortgage Brokers in Saint Louis
What does a mortgage broker do differently than going directly to a bank in Saint Louis?
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 Saint Louis?
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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