Top Picks · St. Charles
Best Mortgage Brokers in St. Charles, MO
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of June 2026, RatingsNearMe ranks 13 mortgage brokers in St. Charles, MO by verified customer ratings and review volume. The highest-rated is First State Bank Mortgage with a 5.0-star rating from 158 verified reviews. Also in the top tier: Fairway Independent Mortgage Corporation and Shawn Tihen, Mortgage Loan Officer - First Horizon Bank. The average rating across all listed mortgage brokers in St. Charles is 4.9 stars from 45 reviews per business on average.
Mortgage brokers in St. Charles: 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
13
Businesses listed
4.9★
Avg rating
45
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
First State Bank Mortgage
2850 W Clay St, St Charles, MO 63301, USA
Fairway Independent Mortgage Corporation
2031 Collier Corporate Pkwy #102, St Charles, MO 63303, USA
Shawn Tihen, Mortgage Loan Officer - First Horizon Bank
2247 Bluestone Dr, St Charles, MO 63303, USA
Mortgage Brokers Rankings in St. Charles, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | First State Bank Mortgage2850 W Clay St, St Charles, MO 63301, USA | 5.0★ | 158 |
| #2 | Fairway Independent Mortgage Corporation2031 Collier Corporate Pkwy #102, St Charles, MO 63303, USA | 5.0★ | 105 |
| #3 | Shawn Tihen, Mortgage Loan Officer - First Horizon Bank2247 Bluestone Dr, St Charles, MO 63303, USA | 4.9★ | 87 |
| #4 | Clear Path Home Mortgage112 Point W Blvd #500, St Charles, MO 63301, USA | 4.9★ | 27 |
| #5 | Adam Lauman - Chase Home Lending Advisor - NMLS ID 7359991990 Zumbehl Rd, St Charles, MO 63303, USA | 5.0★ | 38 |
| #6 | Saint Charles Mortgage LLC633 Oregon Trail Ct, St Charles, MO 63304, USA | 5.0★ | 3 |
| #7 | NEXA Mortgage, LLC - Damain Johnson715 Broadridge Dr Office 101, St Peters, MO 63376, USA | 5.0★ | 19 |
| #8 | Brian Alkire | Fairway Independent Mortgage Corporation Branch Manager2031 Collier Corporate Pkwy #102, St Charles, MO 63303, USA | 5.0★ | 36 |
| #9 | Dylan J. Estes - Branch Manager | Nexa Mortgage, LLC - Gateway Branch3910 Old Hwy 94 S Suite 114, St Charles, MO 63304, USA | 5.0★ | 37 |
| #10 | Doug Haldeman Mortgage Team1120 Wolfrum Rd Suite 201, Weldon Spring, MO 63304, USA | 5.0★ | 13 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in St. Charles
Clear Path Home Mortgage
112 Point W Blvd #500, St Charles, MO 63301, USA
Adam Lauman - Chase Home Lending Advisor - NMLS ID 735999
1990 Zumbehl Rd, St Charles, MO 63303, USA
Saint Charles Mortgage LLC
633 Oregon Trail Ct, St Charles, MO 63304, USA
NEXA Mortgage, LLC - Damain Johnson
715 Broadridge Dr Office 101, St Peters, MO 63376, USA
Brian Alkire | Fairway Independent Mortgage Corporation Branch Manager
2031 Collier Corporate Pkwy #102, St Charles, MO 63303, USA
Dylan J. Estes - Branch Manager | Nexa Mortgage, LLC - Gateway Branch
3910 Old Hwy 94 S Suite 114, St Charles, MO 63304, USA
Doug Haldeman Mortgage Team
1120 Wolfrum Rd Suite 201, Weldon Spring, MO 63304, USA
Gershman Mortgage - St. Peters
201 Salt Lick Rd, St Peters, MO 63376, USA
Guild Mortgage Company
1120 Wolfrum Rd Suite 201, Weldon Spring, MO 63304, USA
Dan Hasekamp | Fairway Independent Mortgage Corporation Branch Manager
2031 Collier Corporate Pkwy #102, St Charles, MO 63303, USA
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Frequently Asked Questions — Mortgage Brokers in St. Charles
What does a mortgage broker do differently than going directly to a bank in St. Charles?
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 St. Charles?
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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