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20 agents listed
Updated May 2026
St Joseph, MO
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Missouri before hiring.
Showing 20 mortgage lenders in St Joseph, MO
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
PrimeLending, A PlainsCapital Company - Clear Lake
1311 N Belt Hwy Suite A, St Joseph, MO 64506
8168833028
Amanda Lundy-U.S. Bank Mortgage
2701 S Belt Hwy, St Joseph, MO 64503
8163855642
American Portfolio Mortgage Corporation
3715 Beck Rd Building C Suite 303, St Joseph, MO 64505
8163649300
US Bank Mortgage
800 N Belt Hwy, St Joseph, MO 64506
8008722657
Southern Bank: Jordan Ripley
5305 N Belt Hwy, St Joseph, MO 64506
8554527272
Commerce Bank Mortgage
3606 Frederick Ave, St Joseph, MO 64506
8443402574
UMB Mortgage Loan Services
3601 Mitchell Ave, St Joseph, MO 64507
8162338284
US Bank Mortgage
3115 Ashland Ave, St Joseph, MO 64506
8008722657
PrimeLending, A PlainsCapital Company: Chad Severe
3827 Beck Rd A, St Joseph, MO 64506
8168833926
Flanagan State Bank Mortgage
Buchanan County, 3723 Beck Rd, St Joseph, MO 64501
6602541237
US Bank Mortgage
2701 S Belt Hwy, St Joseph, MO 64503
8008722657
Jennifer L Dixon | Fairway Independent Mortgage Corporation Branch Manager
1807 N Woodbine Rd Suite C, St Joseph, MO 64506
8163908898
Southern Bank: Sarah Weaver
3727 Frederick Ave, St Joseph, MO 64506
8554527272
PrimeLending, A PlainsCapital Company: Daisy Frisch
3827 Beck Rd A, St Joseph, MO 64506
8162943299
Leader One Financial Corporation
3422 Ashland Ave, St Joseph, MO 64506
8162798910
Mortgage lenders in St Joseph Missouri help home buyers and homeowners secure financing for property purchases and refinancing. Missouri law requires lenders to be licensed through the Missouri Division of Finance and follow specific disclosure rules. Local lenders understand the St Joseph real estate market and can guide you through the loan process from pre approval to closing.
What Does a Mortgage Lender in St Joseph Cost?
Typical costs for a mortgage lender in Missouri include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and a title search fee of $150 to $400. Closing costs in Missouri usually range from 2% to 5% of the purchase price. These costs vary by lender, loan type, and property value. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in St Joseph Missouri?
You typically need pay stubs, tax returns, bank statements, and a government issued ID. Missouri lenders also require a signed authorization to pull your credit report. Self employed borrowers may need additional profit and loss statements.
How long does the mortgage process take in Missouri?
The average mortgage process in Missouri takes 30 to 45 days from application to closing. Missouri law allows a three day rescission period for refinances but not for purchase loans. Delays can occur if appraisals or title work take longer than expected.
Are there special mortgage programs for Missouri first time home buyers?
Yes, the Missouri Housing Development Commission offers the MHDC First Place loan program with down payment assistance. Many St Joseph lenders also participate in FHA and USDA loans which are popular in the area. Eligibility depends on income limits and property location.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Missouri.