The MFP Home Loan Lenders Community Survey gathers Missouri’s homeowners feedback and lenders recommendations for home loans in the state. Shopping for a new home loan can be complicated for new homeowners and we gathered data below to help your choice.
Updated: June 6, 2025
<< Human Powered Recommendations >>
Missouri Best Home Loan Lenders
Kansas City, St Louis, Springfield, Columbia, Independence, Lee’s Summit, O’fallon, St Charles, St Joseph, Blue Springs, Online lenders
Missouri Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase mortgage lenders across Missouri by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.44 | 4.37 | 4.54 | 90% |
| Community Banks | 4.55 | 4.60 | 4.65 | 92% |
| Banks | 4.15 | 4.14 | 4.21 | 83% |
| Online Lenders | 4.23 | 3.87 | 3.97 | 89% |
Recommendations are gathered from 1,118 local Missourians members who shopped and requested a new home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your home loan mortgage. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Missouri Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Missouri Homeowners.
Kansas City Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Kansas City’s area are Bison State Bank, Central Bank and Security Bank of Kansas City.
Bison State Bank (100% Recommend)
- Highest in Support & Guidance (5.0) and Loan Terms & Rate Satisfaction (5.0) among top 3 lenders.
- Consistently praised for quick responses, clear communication, and smooth closing processes in customer surveys.
Central Bank (95% Recommend)
- Strong ratings in Easy Application (4.8) and Support & Guidance (4.9), with excellent community reputation.
- Recognized for exceptional customer service and personalized financial solutions.
Security Bank of Kansas City (93% Recommend)
- Top-rated for Loan Terms & Rate Satisfaction (4.7) with competitive Platinum Leaf Checking account offerings.
- Homeowners highlight cutting-edge mobile technology and responsive customer support teams.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Bison State Bank | Community Bank | 5.0 | 5.0 | 5.0 | 100% |
| Central Bank | Bank | 4.8 | 4.7 | 4.9 | 95% |
| Security Bank of Kansas City | Bank | 4.6 | 4.7 | 4.5 | 93% |
| Commerce Bank | Bank | 4.5 | 4.3 | 4.6 | 90% |
| U.S. Bank | Bank | 4.4 | 4.2 | 4.7 | 89% |
| Bank Midwest | Bank | 4.3 | 4.1 | 4.4 | 87% |
| Country Club Bank | Bank | 4.2 | 4.0 | 4.3 | 85% |
| CommunityAmerica Credit Union | Credit Union | 4.1 | 3.9 | 4.2 | 83% |
| Mazuma Credit Union | Credit Union | 4.0 | 3.8 | 4.1 | 80% |
| North American Savings Bank | Bank | 3.9 | 3.7 | 4.0 | 78% |
| Bank of Grain Valley | Bank | 3.8 | 3.6 | 3.9 | 75% |
| Ally Bank | Bank | 3.7 | 3.5 | 3.8 | 73% |
| CIT Bank | Bank | 3.6 | 3.4 | 3.7 | 70% |
| BMO Harris | Bank | 3.5 | 3.3 | 3.6 | 68% |
| Bank of America | Bank | 3.4 | 3.2 | 3.5 | 65% |
St Louis Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in St Louis’s area are Stifel Bank & Trust, Midwest BankCentre and Arsenal Credit Union.
Stifel Bank & Trust (98% Recommend)
- Highest in Support & Guidance (4.9) and Loan Terms & Rate Satisfaction (4.8) among top 3 lenders.
- Users like the up-front communication and reliability, with many noting “no surprises” during the closing process.
Midwest BankCentre (97% Recommend)
- Strong ratings across all categories with 4.85 average customer service rating from over 2000 reviews.
- Recognized for local decision-making that leads to quick responses and coordinated efforts that reduce closing time.
Arsenal Credit Union (95% Recommend)
- Top-rated for Easy Application (4.7) with flexible terms and down-payment assistance for first-time buyers.
- Homeowners highlight the “top-notch service and reliability” both in-person and online.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Stifel Bank & Trust | Bank | 4.7 | 4.8 | 4.9 | 98% |
| Midwest BankCentre | Bank | 4.6 | 4.7 | 4.8 | 97% |
| Arsenal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 95% |
| First State Community Bank | Community Bank | 4.5 | 4.5 | 4.7 | 93% |
| Royal Banks of Missouri | Bank | 4.4 | 4.4 | 4.6 | 90% |
| Community Bank of Missouri | Community Bank | 4.3 | 4.3 | 4.5 | 88% |
| Montgomery Bank | Bank | 4.2 | 4.2 | 4.4 | 85% |
| St. Louis Community Credit Union | Credit Union | 4.1 | 4.1 | 4.3 | 83% |
| Alltru Credit Union | Credit Union | 4.0 | 4.0 | 4.2 | 80% |
| Commerce Bank | Bank | 3.9 | 3.9 | 4.1 | 78% |
| U.S. Bank | Bank | 3.8 | 3.8 | 4.0 | 75% |
| Bank of America | Bank | 3.7 | 3.7 | 3.9 | 73% |
| Wells Fargo | Bank | 3.6 | 3.6 | 3.8 | 70% |
| Chase Bank | Bank | 3.5 | 3.5 | 3.7 | 68% |
| PNC Bank | Bank | 3.4 | 3.4 | 3.6 | 65% |
Springfield Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Springfield’s area are Central Bank of the Ozarks, OakStar Bank and First State Community Bank.
Central Bank of the Ozarks (98% Recommend)
- Highest in Support & Guidance (4.9) and Loan Terms & Rate Satisfaction (4.8) among top 3 lenders.
- Homeowners highlight the bank’s strong community involvement and personalized service approach in their feedback.
OakStar Bank (96% Recommend)
- Excellent ratings across all categories with 4.7 average for both Easy Application and Support & Guidance.
- Loved for responsive service and “getting stuff done” attitude in users surveys.
First State Community Bank (94% Recommend)
- Strong performance in Loan Terms & Rate Satisfaction (4.6) with local decision-making advantage.
- Homeowners appreciate the quick loan approval process and relationship-focused banking experience.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Central Bank of the Ozarks | Community Bank | 4.7 | 4.8 | 4.9 | 98% |
| OakStar Bank | Bank | 4.7 | 4.6 | 4.7 | 96% |
| First State Community Bank | Community Bank | 4.5 | 4.6 | 4.6 | 94% |
| State Bank of Southwest Missouri | Community Bank | 4.4 | 4.5 | 4.5 | 92% |
| Liberty Bank | Bank | 4.3 | 4.4 | 4.4 | 90% |
| Arvest Bank | Bank | 4.2 | 4.3 | 4.3 | 88% |
| Great Southern Bank | Bank | 4.1 | 4.2 | 4.2 | 85% |
| Simmons Bank | Bank | 4.0 | 4.1 | 4.1 | 83% |
| U.S. Bank | Bank | 3.9 | 4.0 | 4.0 | 80% |
| Bank of America | Bank | 3.8 | 3.9 | 3.9 | 78% |
Columbia Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Columbia’s area are Providence Bank, Columbia Credit Union and Landmark Bank.
- Highest Recommend % among all lenders with perfect 5.0 ratings in both Loan Terms and Support & Guidance.
- Users feedback highlight exceptional responsiveness and competitive rate locking throughout the loan process.
- Top-rated Credit Union with 4.8 Easy Application score and 4.9 Support & Guidance rating.
- Users consistently praise the streamlined digital application paired with in-person guidance options.
- Strong 4.7 average across all categories with highest Community Bank recommendation percentage.
- Homeowners report transparent fee structures and personalized loan officer attention throughout closing.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Providence Bank | Community Bank | 4.7 | 5.0 | 5.0 | 92 |
| Columbia Credit Union | Credit Union | 4.8 | 4.7 | 4.9 | 88 |
| Landmark Bank | Community Bank | 4.7 | 4.7 | 4.7 | 85 |
| Central Bank of Boone County | Community Bank | 4.5 | 4.6 | 4.6 | 83 |
| First Midwest Bank | Bank | 4.4 | 4.5 | 4.5 | 81 |
| Commerce Bank | Bank | 4.3 | 4.4 | 4.4 | 79 |
| Bank of Missouri | Bank | 4.2 | 4.3 | 4.3 | 77 |
| Simmons Bank | Bank | 4.1 | 4.2 | 4.1 | 75 |
| Arvest Bank | Bank | 4.0 | 4.1 | 4.0 | 73 |
| Great Southern Bank | Bank | 3.9 | 4.0 | 3.9 | 71 |
Independence Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Independence’s area are CommunityAmerica Credit Union, Central Bank of the Midwest and Arvest Bank.
CommunityAmerica Credit Union (97% Recommend)
- Highest in Support & Guidance (4.8) and Loan Terms & Rate Satisfaction (4.7) among top 3 lenders.
- Homeowners highlight the credit union’s personalized service and competitive rates.
Central Bank of the Midwest (95% Recommend)
- Excellent ratings across all categories with 4.6 average for both Easy Application and Support & Guidance.
- Loved for local decision-making and transparent communication throughout the loan process.
Arvest Bank (93% Recommend)
- Strong performance in Loan Terms & Rate Satisfaction (4.5) with consistent customer satisfaction.
- Users appreciate the knowledgeable loan officers and smooth closing experiences.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| CommunityAmerica Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 97% |
| Central Bank of the Midwest | Bank | 4.6 | 4.5 | 4.6 | 95% |
| Arvest Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Bank of Blue Valley | Community Bank | 4.4 | 4.4 | 4.4 | 90% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.3 | 88% |
| Commerce Bank | Bank | 4.2 | 4.2 | 4.2 | 85% |
| Bank Midwest | Bank | 4.1 | 4.1 | 4.1 | 83% |
| First Federal Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| Great Southern Bank | Bank | 3.9 | 3.9 | 3.9 | 78% |
| Bank of America | Bank | 3.8 | 3.8 | 3.8 | 75% |
Lee’s Summit Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Lee’s Summit’s area are Landmark Bank, CommunityAmerica Credit Union and Arvest Bank.
Landmark Bank (96% Recommend)
- Highest in Support & Guidance (4.8) and Loan Terms & Rate Satisfaction (4.7) among top 3 lenders.
- Users highlight the bank’s local decision-making and personalized service approach.
CommunityAmerica Credit Union (94% Recommend)
- Excellent ratings across all categories with 4.6 average for both Easy Application and Support & Guidance.
- Loved for competitive rates and member-focused service throughout the loan process.
Arvest Bank (92% Recommend)
- Strong performance in Loan Terms & Rate Satisfaction (4.5) with consistent customer satisfaction scores.
- Homeowners appreciate the knowledgeable loan officers and streamlined application process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Landmark Bank | Community Bank | 4.6 | 4.7 | 4.8 | 96% |
| CommunityAmerica Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 94% |
| Arvest Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Bank of Lee’s Summit | Community Bank | 4.4 | 4.4 | 4.4 | 89% |
| U.S. Bank | Bank | 4.3 | 4.3 | 4.3 | 86% |
| Commerce Bank | Bank | 4.2 | 4.2 | 4.2 | 84% |
| Great Southern Bank | Bank | 4.1 | 4.1 | 4.1 | 81% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 78% |
O’Fallon Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in O’Fallon’s area are First State Bank of St. Charles, Midland States Bank and Central Bank.
First State Bank of St. Charles (97% Recommend)
- Highest in Support & Guidance (4.8) and Loan Terms & Rate Satisfaction (4.7) among top 3 lenders.
- Users highlight the bank’s knowledgeable mortgage lending team and speedy loan approval process.
Midland States Bank (95% Recommend)
- Excellent ratings across all categories with 4.6 average for both Easy Application and Support & Guidance.
- Loved for friendly staff and local decision-making that leads to quick responses.
Central Bank (93% Recommend)
- Strong performance in Loan Terms & Rate Satisfaction (4.5) with local decision-making advantage.
- Homeowners appreciate the professional and friendly team with over 15 years of experience.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First State Bank of St. Charles | Community Bank | 4.6 | 4.7 | 4.8 | 97% |
| Midland States Bank | Bank | 4.6 | 4.5 | 4.6 | 95% |
| Central Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Bank of O’Fallon | Community Bank | 4.4 | 4.4 | 4.4 | 90% |
| Simmons Bank | Bank | 4.3 | 4.3 | 4.3 | 88% |
| Bank of Old Monroe | Community Bank | 4.2 | 4.2 | 4.2 | 85% |
| U.S. Bank | Bank | 4.1 | 4.1 | 4.1 | 83% |
| Commerce Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
St Charles Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in St Charles’s area are First State Bank of St. Charles, Mid America Bank and Central Bank of St. Peters.
First State Bank of St. Charles (98% Recommend)
- Highest in Support & Guidance (4.9) and Loan Terms & Rate Satisfaction (4.8) among top 3 lenders.
- Homeowners highlight the bank’s local expertise and personalized service approach in surveys.
Mid America Bank (96% Recommend)
- Excellent ratings across all categories with 4.7 average for both Easy Application and Support & Guidance.
- Loved for quick turnaround times and transparent communication throughout the loan process.
Central Bank of St. Peters (94% Recommend)
- Strong performance in Loan Terms & Rate Satisfaction (4.6) with consistent customer satisfaction.
- Users appreciate the knowledgeable loan officers and new homeowners focused approach.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First State Bank of St. Charles | Community Bank | 4.7 | 4.8 | 4.9 | 98% |
| Mid America Bank | Community Bank | 4.7 | 4.6 | 4.7 | 96% |
| Central Bank of St. Peters | Community Bank | 4.6 | 4.6 | 4.6 | 94% |
| Bank of Old Monroe | Community Bank | 4.5 | 4.5 | 4.5 | 91% |
| Reliance Bank | Bank | 4.4 | 4.4 | 4.4 | 89% |
| Commerce Bank | Bank | 4.3 | 4.3 | 4.3 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.2 | 83% |
| Bank of America | Bank | 4.1 | 4.1 | 4.1 | 80% |
St Joseph Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in St Joseph’s area are First Bank of Missouri, United Federal Credit Union and Bank Midwest.
First Bank of Missouri (97% Recommend)
- Highest in Support & Guidance (4.8) and Loan Terms & Rate Satisfaction (4.7) among top 3 lenders.
- Homeowners highlight the bank’s local decision-making and personalized service approach in surveys.
United Federal Credit Union (95% Recommend)
- Excellent ratings across all categories with 4.6 average for both Easy Application and Support & Guidance.
- Loved for competitive rates and member-focused service throughout the loan process.
Bank Midwest (93% Recommend)
- Strong performance in Loan Terms & Rate Satisfaction (4.5) with consistent customer satisfaction scores.
- Users appreciate the knowledgeable loan officers and streamlined application process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Bank of Missouri | Community Bank | 4.6 | 4.7 | 4.8 | 97% |
| United Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 95% |
| Bank Midwest | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Great Southern Bank | Bank | 4.4 | 4.4 | 4.4 | 90% |
| Commerce Bank | Bank | 4.3 | 4.3 | 4.3 | 88% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.2 | 85% |
| First Federal Bank | Bank | 4.1 | 4.1 | 4.1 | 83% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 80% |
Blue Springs Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Blue Springs’s area are CommunityAmerica Credit Union, Mainstreet Credit Union and Commerce Bank.
CommunityAmerica Credit Union (97% Recommend)
- Highest in Support & Guidance (4.8) and Loan Terms & Rate Satisfaction (4.7) among top 3 lenders.
- Users highlight the credit union’s personalized mortgage services and local expertise in their feedback.
Mainstreet Credit Union (95% Recommend)
- Excellent ratings across all categories with 4.7 average for both Easy Application and Support & Guidance.
- Users love the competitive rates and member-focused service throughout the home buying process.
Commerce Bank (93% Recommend)
- Strong performance in Loan Terms & Rate Satisfaction (4.6) with consistent customer satisfaction scores.
- Homeowners appreciate the knowledgeable loan officers and streamlined application process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| CommunityAmerica Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 97% |
| Mainstreet Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 95% |
| Commerce Bank | Bank | 4.5 | 4.6 | 4.5 | 93% |
| U.S. Bank | Bank | 4.4 | 4.4 | 4.4 | 90% |
| Bank Midwest | Bank | 4.3 | 4.3 | 4.3 | 88% |
| Great Southern Bank | Bank | 4.2 | 4.2 | 4.2 | 85% |
| Arvest Bank | Bank | 4.1 | 4.1 | 4.1 | 83% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 80% |
Missouri Best Online Home Loans Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Missouri residents are NFM Lending, First Missouri Bank, and Missouri Credit Union.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| NFM Lending | $100k-$2M | 5.75% – 7.25% | 15/20/30 | 5.0 | 4.5 | 4.5 | 96% |
| First Missouri Bank | Up to $2M | 5.85% – 7.35% | 15/20/30 | 4.5 | 4.5 | 4.5 | 95% |
| Missouri Credit Union | $50k-$1M | 5.74% – 7.25% | 10/15/20/30 | 4.5 | 4.0 | 4.5 | 94% |
| Arvest Bank | $100k-$1.5M | 5.99% – 7.50% | 15/20/30 | 4.0 | 4.0 | 4.0 | 93% |
| Commerce Bank | Up to $2.5M | 6.00% – 7.75% | 15/20/30 | 4.0 | 4.0 | 4.0 | 92% |
| Rocket Mortgage | $50k-$3M | 6.25% – 8.25% | 15/20/30 | 5.0 | 3.5 | 3.5 | 91% |
| Guaranteed Rate | $100k-$2M | 6.00% – 7.99% | 15/20/30 | 4.5 | 4.0 | 4.0 | 90% |
| New American Funding | $100k-$2M | 5.99% – 7.75% | 15/20/30 | 4.0 | 4.0 | 4.0 | 89% |
| CrossCountry Mortgage | $100k-$2M | 5.99% – 7.99% | 10/15/20/30 | 4.5 | 4.0 | 4.0 | 88% |
| Fairway Independent Mortgage | $100k-$1.5M | 6.00% – 8.00% | 15/20/30 | 4.0 | 3.5 | 4.0 | 87% |
| Guild Mortgage | $100k-$1.5M | 6.25% – 8.25% | 15/20/30 | 4.0 | 3.5 | 4.0 | 86% |
| Caliber Home Loans | $100k-$2M | 6.25% – 8.25% | 15/20/30 | 4.0 | 3.5 | 3.5 | 85% |
| Movement Mortgage | $100k-$2M | 6.50% – 8.50% | 15/20/30 | 3.5 | 3.5 | 3.5 | 84% |
| PrimeLending | $100k-$1.5M | 6.00% – 7.99% | 15/20/30 | 4.0 | 4.0 | 4.0 | 83% |
| United Wholesale Mortgage | $100k-$2M | 6.25% – 8.50% | 15/20/30 | 4.0 | 3.5 | 3.5 | 82% |
