The Lenders Community Survey gathers homeowners feedback and 92 lenders recommendations for Missouri home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 10, 2025
<< Human Powered Recommendations >>
Missouri Top Lenders for Home Refinance Loans
Kansas City, St Louis, Springfield, Columbia, Independence, Lee’s Summit, O’fallon, St Charles, St Joseph, Blue Springs, Online lenders
Recommendations are gathered from 1,118 local Missourians members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. 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 refinance?
- – 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 Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Kansas City’s area are NBKC Bank, Community America Credit Union and First Federal Bank of Kansas City.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| NBKC Bank | Bank | 4.5 | 4.5 | 4.5 | 95% |
| CommunityAmerica Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 93% |
| First Federal Bank of Kansas City | Community Bank | 4.0 | 4.5 | 4.0 | 90% |
| Central Bank of the Midwest | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Mainstreet Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 85% |
| Bank of Blue Valley | Community Bank | 3.5 | 4.0 | 3.5 | 82% |
| Academy Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| U.S. Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
| Commerce Bank | Bank | 3.0 | 3.5 | 3.5 | 75% |
| Security Bank of Kansas City | Community Bank | 3.0 | 3.0 | 3.5 | 72% |
St Louis Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in St. Louis’s area are First Community Credit Union, Stifel Bank and Enterprise Bank & Trust.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Community Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 96% |
| Stifel Bank | Bank | 4.5 | 4.5 | 4.5 | 95% |
| Enterprise Bank & Trust | Bank | 4.0 | 4.5 | 4.5 | 93% |
| First Bank | Bank | 4.0 | 4.0 | 4.5 | 90% |
| Midwest BankCentre | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
| Scott Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 85% |
| Reliance Bank | Community Bank | 3.5 | 3.5 | 4.0 | 82% |
| Busey Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| U.S. Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
| First Missouri State Bank | Community Bank | 3.0 | 3.5 | 3.5 | 75% |
Springfield Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Springfield’s area are Great Southern Bank, Central Bank of the Ozarks and Simmons Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Great Southern Bank | Bank | 4.5 | 4.5 | 4.5 | 95% |
| Central Bank of the Ozarks | Community Bank | 4.5 | 4.0 | 4.5 | 92% |
| Simmons Bank | Bank | 4.0 | 4.5 | 4.0 | 90% |
| Arvest Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| First State Community Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| Old Missouri Bank | Community Bank | 3.5 | 4.0 | 4.0 | 82% |
| BluCurrent Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 80% |
| Legacy Bank & Trust | Community Bank | 3.5 | 3.5 | 3.5 | 78% |
| Southern Bank | Bank | 3.0 | 3.5 | 3.5 | 75% |
| First National Bank of Missouri | Bank | 3.0 | 3.0 | 3.5 | 72% |
Columbia Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Columbia’s area are First State Bank of St. Charles, BTC Bank and Flat Branch Home Loans.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First State Bank of St. Charles | Community Bank | 4.5 | 4.5 | 4.5 | 95% |
| BTC Bank | Community Bank | 4.5 | 4.0 | 4.5 | 92% |
| Flat Branch Home Loans | Bank | 4.0 | 4.5 | 4.0 | 90% |
| USA Mortgage | Bank | 4.0 | 4.0 | 4.5 | 88% |
| FSB Financial | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Central Bank of Boone County | Community Bank | 3.5 | 4.0 | 4.0 | 82% |
| Missouri Mortgage Source | Bank | 3.5 | 3.5 | 4.0 | 80% |
| Landmark Bank | Community Bank | 3.5 | 3.5 | 3.5 | 78% |
| First National Bank of Missouri | Bank | 3.0 | 3.5 | 3.5 | 75% |
| Boone County National Bank | Community Bank | 3.0 | 3.0 | 3.5 | 72% |
Independence Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Independence’s area are CommunityAmerica Credit Union, Bank of Independence and Central Bank of the Midwest.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| CommunityAmerica Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Bank of Independence | Community Bank | 4.0 | 4.5 | 4.5 | 92% |
| Central Bank of the Midwest | Bank | 4.0 | 4.0 | 4.5 | 90% |
| First Federal Bank of Kansas City | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
| U.S. Bank | Bank | 3.5 | 4.0 | 4.0 | 85% |
| Arvest Bank | Bank | 3.5 | 3.5 | 4.0 | 82% |
| Liberty Bank and Trust | Community Bank | 3.0 | 3.5 | 3.5 | 78% |
Lee’s Summit Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Lee’s Summit’s area are CommunityAmerica Credit Union, First Federal Bank of Kansas City and Bank of Lee’s Summit.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| CommunityAmerica Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 96% |
| First Federal Bank of Kansas City | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Bank of Lee’s Summit | Community Bank | 4.0 | 4.5 | 4.5 | 92% |
| Central Bank of the Midwest | Bank | 4.0 | 4.0 | 4.5 | 89% |
| Mainstreet Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 87% |
| Arvest Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
| U.S. Bank | Bank | 3.5 | 3.5 | 4.0 | 81% |
O’Fallon Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in O’Fallon’s area are First State Community Bank, Midwest BankCentre and First Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First State Community Bank | Community Bank | 4.5 | 4.5 | 4.5 | 96% |
| Midwest BankCentre | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| First Bank | Bank | 4.0 | 4.5 | 4.5 | 92% |
| Central Bank of St. Louis | Bank | 4.0 | 4.0 | 4.5 | 89% |
| Scott Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 87% |
| Bank of O’Fallon | Community Bank | 3.5 | 4.0 | 4.0 | 84% |
| U.S. Bank | Bank | 3.5 | 3.5 | 4.0 | 81% |
St Charles Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in St. Charles’ area are First State Bank of St. Charles, Stifel Bank and Central Bank of St. Louis.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First State Bank of St. Charles | Community Bank | 4.5 | 4.5 | 4.5 | 96% |
| Stifel Bank | Bank | 4.5 | 4.5 | 4.5 | 95% |
| Central Bank of St. Louis | Bank | 4.0 | 4.5 | 4.5 | 92% |
| Guild Mortgage | Bank | 4.0 | 4.0 | 4.5 | 89% |
| FSB Financial | Bank | 4.0 | 4.0 | 4.0 | 87% |
| Bank of O’Fallon | Community Bank | 3.5 | 4.0 | 4.0 | 84% |
| Scott Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 81% |
St Joseph Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in St. Joseph’s area are UMB Bank, First State Bank of St. Charles and Central Bank of the Midwest.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| UMB Bank | Bank | 4.5 | 4.5 | 4.5 | 95% |
| First State Bank of St. Charles | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Central Bank of the Midwest | Bank | 4.0 | 4.5 | 4.5 | 92% |
| A+ Mortgages (Flanagan State Bank) | Community Bank | 4.0 | 4.0 | 4.5 | 89% |
| Farmers Bank of Kansas City | Bank | 4.0 | 4.0 | 4.0 | 87% |
| Fairway Independent Mortgage | Bank | 3.5 | 4.0 | 4.0 | 84% |
| Bank Midwest | Community Bank | 3.5 | 3.5 | 4.0 | 81% |
Blue Springs Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Blue Springs’ area are UMB Bank, Central Bank and First State Bank of St. Charles.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| UMB Bank | Bank | 4.5 | 4.5 | 4.5 | 95% |
| Central Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| First State Bank of St. Charles | Community Bank | 4.0 | 4.5 | 4.5 | 92% |
| Farmers Bank of Kansas City | Bank | 4.0 | 4.0 | 4.5 | 89% |
| Equity Bank | Bank | 4.0 | 4.0 | 4.0 | 87% |
| Bank Midwest | Community Bank | 3.5 | 4.0 | 4.0 | 84% |
| Blue Ridge Bank and Trust Co. | Community Bank | 3.5 | 3.5 | 4.0 | 81% |
Best Missouri Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Missouri are Rocket Mortgage, loanDepot and New American Funding.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50k-$3M | 5.25%-7.75% | 10-30 years | 5 | 4.5 | 4.5 | 95% |
| loanDepot | $50k-$2.5M | 5.50%-8.00% | 10-30 years | 4.5 | 4.0 | 4.5 | 93% |
| New American Funding | $50k-$1.5M | 5.75%-8.25% | 15-30 years | 4.0 | 4.0 | 4.0 | 90% |
| Bank of America | $60k-$2.5M | 5.50%-7.90% | 15-30 years | 4.0 | 4.0 | 4.0 | 88% |
| Better Mortgage | $50k-$1M | 5.25%-7.50% | 10-30 years | 4.0 | 4.0 | 3.5 | 85% |
| Guaranteed Rate | $50k-$1M | 5.75%-8.00% | 15-30 years | 3.5 | 3.5 | 4.0 | 82% |
| NBKC Bank | $50k-$750k | 5.50%-7.75% | 15-30 years | 3.5 | 3.5 | 3.5 | 80% |
| Great Southern Bank | $50k-$500k | 5.75%-8.25% | 15-30 years | 3.0 | 3.5 | 3.5 | 78% |
| SoFi | $50k-$500k | 6.00%-8.50% | 15-30 years | 3.0 | 3.0 | 3.5 | 75% |
| PennyMac | $50k-$500k | 6.25%-8.75% | 15-30 years | 3.0 | 3.0 | 3.0 | 72% |
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