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Mortgage Brokers in St. Charles, MO — Free Estimates
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As of June 2026, RatingsNearMe ranks 13 mortgage brokers in St. Charles, MO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is First State Bank Mortgage with a 5.0-star rating from 158 Google reviews and an RNM Score of 86/100. 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 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Mortgage brokers in St. Charles, MO offer a range of home loan services to local residents, including assistance with mortgage applications, rate comparisons, and navigating the home buying process. Consumers should research multiple brokers to find the best fit for their financial needs and goals.
- ✓Mortgage brokers help consumers find and secure home loans
- ✓Brokers in St. Charles, MO can provide guidance on mortgage options and the home buying process
- ✓Researching multiple local brokers is recommended to find the best fit
Best Overall
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation consistently ranks at the top for its comprehensive loan options and exceptional customer service in St. Charles.
Most Reviewed
Fairway Independent Mortgage Corporation
A high number of reviews reflects broad customer experience and helps lenders identify proven, trusted brokers.
When choosing a mortgage broker in St. Charles, compare not only rates but also responsiveness and local market knowledge. Reading recent reviews for each broker can give you insight into their current service quality.
How to Choose a Mortgage Broker in St. Charles
What to look for
- • Mortgage brokers with experience in the St. Charles, MO market
- • Brokers who are licensed and in good standing with the Missouri Division of Finance
- • Brokers who offer a wide range of loan products from multiple lenders
- • Brokers with a track record of closing loans on time and with minimal issues
Questions to ask
- • How long have you been a mortgage broker in the St. Charles area?
- • What types of loans do you typically work with?
- • Can you provide references from past clients in St. Charles?
- • What is your process for ensuring a smooth and timely loan closing?
Red flags
- ⚠ Brokers who pressure you to use their preferred lender
- ⚠ Brokers who are not transparent about their fees and commissions
- ⚠ Brokers who have a history of complaints or disciplinary actions
- ⚠ Brokers who are unable to provide clear and timely communication throughout the process
In Missouri, mortgage brokers are required to 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
13
Businesses listed
4.9★
Avg rating
45
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
St. Charles mortgage broker with a perfect 5.0-star rating from over 150 reviews.
2850 W Clay St, St Charles, MO 63301, USATop-rated St. Charles mortgage broker with a perfect 5.0 rating from over 100 reviews.
2031 Collier Corporate Pkwy #102, St Charles, MO 63303, USARated 4.9 stars from 87 Google reviews, this St. Charles broker earns exceptional client trust.
2247 Bluestone Dr, St Charles, MO 63303, USAMortgage 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 | Dan Hasekamp | Fairway Independent Mortgage Corporation Branch Manager2031 Collier Corporate Pkwy #102, St Charles, MO 63303, USA | 5.0★ | 6 |
| #5 | Dylan J. Estes - Branch Manager | Nexa Mortgage, LLC - Gateway Branch3910 Old Hwy 94 S Suite 114, St Charles, MO 63304, USA | 5.0★ | 37 |
| #6 | Gershman Mortgage - St. Peters201 Salt Lick Rd, St Peters, MO 63376, USA | 5.0★ | 41 |
| #7 | Adam Lauman - Chase Home Lending Advisor - NMLS ID 7359991990 Zumbehl Rd, St Charles, MO 63303, USA | 5.0★ | 38 |
| #8 | Brian Alkire | Fairway Independent Mortgage Corporation Branch Manager2031 Collier Corporate Pkwy #102, St Charles, MO 63303, USA | 5.0★ | 36 |
| #9 | Clear Path Home Mortgage112 Point W Blvd #500, St Charles, MO 63301, USA | 4.9★ | 27 |
| #10 | NEXA Mortgage, LLC - Damain Johnson715 Broadridge Dr Office 101, St Peters, MO 63376, USA | 5.0★ | 19 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in St. Charles
Exceptional 5.0-star rating from six Google reviews for local mortgage guidance.
2031 Collier Corporate Pkwy #102, St Charles, MO 63303, USA
Top-rated St. Charles mortgage broker with a perfect 5.0 score from 37 reviews.
3910 Old Hwy 94 S Suite 114, St Charles, MO 63304, USA
Exceptional 5.0-star rating from 41 reviews for a St. Charles mortgage broker.
201 Salt Lick Rd, St Peters, MO 63376, USA
Exceptional 5.0-star rating from 38 reviews for St. Charles mortgage services.
1990 Zumbehl Rd, St Charles, MO 63303, USA
Exceptional 5.0-star rating from 36 reviews for St. Charles mortgage services.
2031 Collier Corporate Pkwy #102, St Charles, MO 63303, USA
Rated 4.9 stars from 27 Google reviews, this St. Charles mortgage broker is highly trusted.
112 Point W Blvd #500, St Charles, MO 63301, USA
Consistently earns 5.0 stars across dozens of reviews from St. Charles clients.
715 Broadridge Dr Office 101, St Peters, MO 63376, USA
Trusted by local clients with a solid 4.3-star rating from 11 Google reviews.
1120 Wolfrum Rd Suite 201, Weldon Spring, MO 63304, USA
Exceptional 5.0-star rating from a handful of satisfied local clients.
633 Oregon Trail Ct, St Charles, MO 63304, USA
Exceptional 5.0-star rating from 13 Google reviews for St. Charles mortgage services.
1120 Wolfrum Rd Suite 201, Weldon Spring, MO 63304, USA
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Mortgage Brokers in St. Charles, MO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | First State Bank Mortgage | 86/100 | 5.0 ★ | 158 |
| 2 | Fairway Independent Mortgage Corporation | 84/100 | 5.0 ★ | 105 |
| 3 | Shawn Tihen, Mortgage Loan Officer - First Horizon Bank | 81/100 | 4.9 ★ | 87 |
| 4 | Dan Hasekamp | Fairway Independent Mortgage Corporation Branch Manager | 69/100 | 5.0 ★ | 6 |
| 5 | Dylan J. Estes - Branch Manager | Nexa Mortgage, LLC - Gateway Branch | 78/100 | 5.0 ★ | 37 |
| 6 | Gershman Mortgage - St. Peters | 79/100 | 5.0 ★ | 41 |
| 7 | Adam Lauman - Chase Home Lending Advisor - NMLS ID 735999 | 78/100 | 5.0 ★ | 38 |
| 8 | Brian Alkire | Fairway Independent Mortgage Corporation Branch Manager | 78/100 | 5.0 ★ | 36 |
| 9 | Clear Path Home Mortgage | 75/100 | 4.9 ★ | 27 |
| 10 | NEXA Mortgage, LLC - Damain Johnson | 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 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 10, 2026.
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