10+ Years · St. Louis
Experienced Mortgage Brokers in St. Louis, MO
Experience matters. These mortgage brokers in St. Louis have years of proven work behind them — and the reviews to back it up.
As of July 2026, RatingsNearMe ranks 19 mortgage brokers in St. Louis, MO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is First Integrity Team of Supreme Lending with a 5.0-star rating from 951 Google reviews and an RNM Score of 88/100. Also in the top tier: USA Mortgage and Haven Home Equity - NMLS# 4181. The average rating across all listed mortgage brokers in St. Louis is 4.9 stars from 485 reviews per business on average.
Mortgage brokers in St. 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.
Best Overall
Guild Mortgage Company
Guild Mortgage Company is consistently recognized as a top-ranked broker in St. Louis for its strong reputation, broad loan options, and customer-focused service.
Most Reviewed
Guild Mortgage Company
A high number of reviews indicates a large customer base and provides a more reliable picture of consistent service quality.
When choosing a mortgage broker in St. Louis, compare loan products, interest rates, and closing costs across multiple brokers, and prioritize those with transparent communication and strong local reputations.
Local Market Snapshot
19
Businesses listed
4.9★
Avg rating
485
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
St. Louis mortgage broker with a perfect 5.0-star rating from over 950 reviews.
1807 Park 270 Dr Ste. 265, St. Louis, MO 63146, USASt. Louis mortgage broker with a 4.9-star rating from over 1,900 reviews.
12140 Woodcrest Executive Dr #150, St. Louis, MO 63141, USARanked #1 in St. Louis with a 4.9-star average across over 1,000 reviews.
21 The Blvd Saint Louis, Richmond Heights, MO 63117, USAMortgage Brokers Rankings in St. Louis, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | First Integrity Team of Supreme Lending1807 Park 270 Dr Ste. 265, St. Louis, MO 63146, USA | 5.0★ | 951 |
| #2 | USA Mortgage12140 Woodcrest Executive Dr #150, St. Louis, MO 63141, USA | 4.9★ | 1,941 |
| #3 | Haven Home Equity - NMLS# 418121 The Blvd Saint Louis, Richmond Heights, MO 63117, USA | 4.9★ | 1,009 |
| #4 | Delmar Mortgage - Corporate Headquarters1066 Executive Pkwy Dr #100, Creve Coeur, MO 63141, USA | 4.8★ | 921 |
| #5 | Golden Oak Lending11737 Administration Dr, St. Louis, MO 63146, USA | 4.9★ | 717 |
| #6 | Better Rate Mortgage - Mortgage Lender1118 Hampton Ave, St. Louis, MO 63139, USA | 5.0★ | 423 |
| #7 | Stuart's American Mortgage Corporation St. Louis9520 Lackland Rd, St. Louis, MO 63114, USA | 4.9★ | 368 |
| #8 | Pinnacle Real Estate Advisor Home Loans2020 Marconi Ave, St. Louis, MO 63110, USA | 5.0★ | 158 |
| #9 | Nichols & Co. Mortgage Advisors4303 McPherson Ave, St. Louis, MO 63108, USA | 5.0★ | 35 |
| #10 | New American Funding - St Louis - Olive, MO12312 Olive Blvd Suite 240, St. Louis, MO 63141, USA | 5.0★ | 533 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in St. Louis
St. Louis mortgage broker with 4.8 stars from over 900 Google reviews.
1066 Executive Pkwy Dr #100, Creve Coeur, MO 63141, USA
4.9 stars from 717 reviews, reflecting exceptional client satisfaction in St. Louis.
11737 Administration Dr, St. Louis, MO 63146, USA
St. Louis mortgage broker with a perfect 5.0-star rating from over 400 reviews.
1118 Hampton Ave, St. Louis, MO 63139, USA
Rated 4.9 stars from 368 reviews for mortgage services in St. Louis.
9520 Lackland Rd, St. Louis, MO 63114, USA
5.0 stars from 158 reviews for St. Louis mortgage brokerage.
2020 Marconi Ave, St. Louis, MO 63110, USA
Rated 5.0 stars from 35 Google reviews, this St. Louis mortgage broker is highly trusted.
4303 McPherson Ave, St. Louis, MO 63108, USA
Trusted by hundreds of clients with a perfect 5.0-star rating.
12312 Olive Blvd Suite 240, St. Louis, MO 63141, USA
St. Louis mortgage broker with a perfect 5.0-star rating from over 300 reviews.
16253 Swingley Ridge Rd # 200, Chesterfield, MO 63017, USA
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, USA
Top-rated St. Louis mortgage broker with 4.8 stars from 22 reviews.
4643 Gravois Ave, St. Louis, MO 63116, USA
Rated 4.8 stars from 66 Google reviews for St. Louis mortgage services.
9849 Manchester Rd, St. Louis, MO 63119, 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
Rated 5.0 stars from nearly 400 reviews, this St. Louis broker is highly trusted.
16253 Swingley Ridge Rd # 200, Chesterfield, MO 63017, USA
St. Louis mortgage broker with a perfect 5.0-star rating from over 130 reviews.
14755 N Outer 40 Rd # 110, Chesterfield, MO 63017, USA
Exceptional 4.8-star rating from over 60 Google reviews for St. Louis mortgage services.
1799 Smizer Station Rd, Fenton, MO 63026, USA
St. Louis mortgage broker with a 4.9★ rating from nearly 800 reviews.
16090 Swingley Ridge Rd Suite 500, Chesterfield, MO 63017, USA
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Mortgage Brokers in St. Louis, MO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | First Integrity Team of Supreme Lending | 88/100 | 5.0 ★ | 951 |
| 2 | USA Mortgage | 87/100 | 4.9 ★ | 1,941 |
| 3 | Haven Home Equity - NMLS# 4181 | 87/100 | 4.9 ★ | 1,009 |
| 4 | Delmar Mortgage - Corporate Headquarters | 85/100 | 4.8 ★ | 921 |
| 5 | Golden Oak Lending | 87/100 | 4.9 ★ | 717 |
| 6 | Better Rate Mortgage - Mortgage Lender | 88/100 | 5.0 ★ | 423 |
| 7 | Stuart's American Mortgage Corporation St. Louis | 87/100 | 4.9 ★ | 368 |
| 8 | Pinnacle Real Estate Advisor Home Loans | 86/100 | 5.0 ★ | 158 |
| 9 | Nichols & Co. Mortgage Advisors | 78/100 | 5.0 ★ | 35 |
| 10 | New American Funding - St Louis - Olive, MO | 88/100 | 5.0 ★ | 533 |
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 St. Louis
What does a mortgage broker do differently than going directly to a bank in St. 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 St. 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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