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Local Mortgage Brokers in Saint Louis, MO
Locally owned and operated mortgage brokers serving Saint Louis and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Saint Louis, MO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is PrimeLending, A PlainsCapital Company - St Louis with a 4.9-star rating from 88 Google reviews and an RNM Score of 81/100. 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 July 4, 2026 · RNM Score = 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
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Earned a 4.9-star rating from 88 Google reviews, reflecting exceptional client satisfaction.
6 Cardinal Wy Suite 900, Office 60, St. Louis, MO 63102, USARated 5.0 stars from 35 Google reviews, this St. Louis mortgage broker is highly trusted.
4303 McPherson Ave, St. Louis, MO 63108, USA5.0 stars from 158 reviews for St. Louis mortgage brokerage.
2020 Marconi Ave, St. Louis, MO 63110, USAMortgage 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 July 2026
All Mortgage Brokers in Saint Louis
4.9-star rating from 39 reviews, reflecting exceptional client satisfaction.
4643 Gravois Ave, St. Louis, MO 63116, USA
Top-rated St. Louis mortgage broker with 4.8 stars from 22 reviews.
4643 Gravois Ave, St. Louis, MO 63116, USA
St. Louis mortgage broker with a perfect 5.0-star rating from over 400 reviews.
1118 Hampton Ave, St. Louis, MO 63139, USA
Top-rated St. Louis mortgage broker with a perfect 5.0-star rating from hundreds of reviews.
7777 Bonhomme Ave Suit 1800, Clayton, MO 63105, USA
Ranked #1 in St. Louis with a 4.9-star average across over 1,000 reviews.
21 The Blvd Saint Louis, Richmond Heights, MO 63117, USA
Rated 4.8 stars from 66 Google reviews for St. Louis mortgage services.
9849 Manchester Rd, St. Louis, MO 63119, USA
Rated 4.9 stars from 368 reviews for mortgage services in St. Louis.
9520 Lackland Rd, St. Louis, MO 63114, USA
Local mortgage broker in Florissant with no customer reviews yet.
Florissant, MO 63033, USA
New business with no reviews yet; contact them directly to learn more about their services.
1285 Acredale Dr, Florissant, MO 63033, USA
Trusted by hundreds of clients with a perfect 5.0-star rating on Google.
12695 New Halls Ferry Road, Florissant, MO 63033, USA
Ballwin mortgage broker with a perfect 5.0-star rating from 67 Google reviews.
11780 Manchester Rd #106, Des Peres, MO 63131, USA
Top-rated Florissant mortgage broker with a perfect 5.0-star rating from 22 reviews.
9717 Landmark Pkwy Dr #101, St. Louis, MO 63127, USA
Rated 1.0 stars based on a single Google review, indicating mixed feedback.
629 Rue St. Francois St, Florissant, MO 63031, USA
Praised by dozens of local clients with an exceptional 4.8-star rating.
629 Rue St. Francois St, Florissant, MO 63031, USA
Praised by clients with a flawless 5.0-star rating across 58 reviews.
629 Rue St. Francois St, Florissant, MO 63031, USA
This mortgage broker in Florissant has no customer reviews yet to help guide your choice.
100 St Francois St, Florissant, MO 63031, USA
4.9 stars from 717 reviews, reflecting exceptional client satisfaction in St. Louis.
11737 Administration Dr, St. Louis, MO 63146, USA
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Mortgage Brokers in Saint Louis, MO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | PrimeLending, A PlainsCapital Company - St Louis | 81/100 | 4.9 ★ | 88 |
| 2 | Nichols & Co. Mortgage Advisors | 78/100 | 5.0 ★ | 35 |
| 3 | Pinnacle Real Estate Advisor Home Loans | 86/100 | 5.0 ★ | 158 |
| 4 | Guild Mortgage - Zoran Ponjevic | 77/100 | 4.9 ★ | 39 |
| 5 | Guild Mortgage Company | 72/100 | 4.8 ★ | 22 |
| 6 | Better Rate Mortgage - Mortgage Lender | 88/100 | 5.0 ★ | 423 |
| 7 | Carlson Mortgage | 88/100 | 5.0 ★ | 285 |
| 8 | Haven Home Equity - NMLS# 4181 | 87/100 | 4.9 ★ | 1,009 |
| 9 | Mortgage Solutions of St. Louis | 78/100 | 4.8 ★ | 66 |
| 10 | Stuart's American Mortgage Corporation St. Louis | 87/100 | 4.9 ★ | 368 |
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 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: July 4, 2026.
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