Local Pros · St. Charles
Local Mortgage Brokers in St. Charles, MO
Locally owned and operated mortgage brokers serving St. Charles and the surrounding area. Supporting local businesses means faster response and accountability.
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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