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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Missouri
  4. St. Louis
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator St. Louis, MO

How much house can you afford in St. Louis? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in St. Louis

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Better Rate Mortgage - Mortgage Lender

Verified

Better Rate Mortgage is known for transparent communication and straightforward pricing, helping clients secure competitive loan rates from the start. The team specializes in conventional home loans and works closely with borrowers to keep the process smooth and timely. Customers appreciate their accessibility and clear guidance throughout the home-buying experience.

Services & Prices
Conventional Loans Quoted per loan
Home Buying Assistance Quoted per loan
Rate Comparison Quoted per loan
Pre-approval Services Quoted per loan
View Profile
(314) 361-9979
Open 8:00 AM - 8:00 PM
1118 Hampton Ave, St. Louis, MO 63139
General Services
Mortgage Services
2

USA Mortgage

Employee-owned and offering 24/7 support, USA Mortgage focuses on matching clients with competitive home loan options tailored to their financial goals. Their team guides borrowers through a clear, step-by-step process, covering a wide range of loan programs from conventional to renovation loans. Customers appreciate the responsive communication and personalized attention throughout the mortgage… more...

Employee-owned and offering 24/7 support, USA Mortgage focuses on matching clients with competitive home loan options tailored to their financial goals. Their team guides borrowers through a clear, step-by-step process, covering a wide range of loan programs from conventional to renovation loans. Customers appreciate the responsive communication and personalized attention throughout the mortgage journey.

View Profile
(314) 628-2000
Closed Now
12140 Woodcrest Executive Dr #150, St. Louis, MO 63141
3

First Integrity Team of Supreme Lending

The First Integrity Team of Supreme Lending focuses on guiding first-time homebuyers through the mortgage process with patience and clear communication. They assist clients in securing financial options and work to simplify what can be a complex experience. Customers appreciate the team's supportive approach, though the process can still be challenging at times.

View Profile
(314) 878-7900
Closed Now
1807 Park 270 Dr Ste. 265, St. Louis, MO 63146
4

Golden Oak Lending

Golden Oak Lending focuses on clear communication and support throughout the mortgage process, often assisting repeat clients with refinancing and home purchases. The team handles loan details promptly and keeps customers informed, though some have noted unwanted mailings. Many appreciate their professionalism and responsiveness.

Services & Prices
Home Loan Refinancing Quoted per loan
First-Time Home Buyer Assistance Quoted per loan
View Profile
(314) 567-4653
Closed Now
11737 Administration Dr, St. Louis, MO 63146
General Services
Mortgage Services
5

Stuart's American Mortgage Corporation St. Louis

Stuart’s American Mortgage specializes in fast, customized mortgage quotes with a focus on transparency and integrity. The team handles a wide range of loans, including VA, FHA, and Jumbo mortgages, guiding clients through the process with clear communication and helpful tools. Customers appreciate their responsiveness and straightforward approach, though quick closings can sometimes feel a bit… more...

Stuart’s American Mortgage specializes in fast, customized mortgage quotes with a focus on transparency and integrity. The team handles a wide range of loans, including VA, FHA, and Jumbo mortgages, guiding clients through the process with clear communication and helpful tools. Customers appreciate their responsiveness and straightforward approach, though quick closings can sometimes feel a bit intense.

Services & Prices
Conventional Loan Quoted per loan
VA Loan Quoted per loan
FHA Loan Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(314) 423-0351
Closed Now
9520 Lackland Rd, St. Louis, MO 63114
General Services
Home Purchase Financing
Where they are 10 on the map Click a pin for the profile and directions
6

Pinnacle Real Estate Advisor Home Loans

Known for their personalized approach to finding the best loan options, Pinnacle Real Estate Advisor Home Loans helps clients navigate the mortgage process with clear communication and responsiveness. The team assists with home purchase and refinancing loans, earning praise for their friendly guidance and reliability, though some outreach practices have raised concerns.

Services & Prices
Home Purchase Loans Quoted per loan
VA Loan Refinancing Quoted per loan
Conventional Loans Quoted per loan
View Profile
(314) 497-5037
Open 00:00 - 23:59
2020 Marconi Ave, St. Louis, MO 63110
General Services
Mortgage Services
7

The Home Loan Expert

The Home Loan Expert focuses on guiding first-time homebuyers through the mortgage process, offering personalized support and quick financing when needed. Their team is responsive to questions and willing to accommodate tight deadlines, though some customers have noted inconsistent communication and concerns about marketing claims.

Services & Prices
First-Time Home Buyers Financing Quoted per loan
Mortgage Refinancing Quoted per loan
VA Loan Services Quoted per loan
View Profile
(314) 781-9700
Open 7:00 AM - 10:00 PM
1600 S Brentwood Blvd #700, St. Louis, MO 63144
General Services
Mortgage Services
8

Mortgage Solutions of St. Louis

Mortgage Solutions of St. Louis combines a financial expertise background with in-house processing to offer timely home loan closings and competitive rates. They assist with purchase and refinance loans, including specialized Physician Loans, serving clients in Missouri and Illinois. Customers often note clear communication and personalized support, though some have experienced occasional delays… more...

Mortgage Solutions of St. Louis combines a financial expertise background with in-house processing to offer timely home loan closings and competitive rates. They assist with purchase and refinance loans, including specialized Physician Loans, serving clients in Missouri and Illinois. Customers often note clear communication and personalized support, though some have experienced occasional delays in initial responsiveness.

Services & Prices
Mortgage Pre-Approval Quoted per loan
Rate Locking Quoted per loan
Refinancing Assistance Quoted per loan
View Profile
(314) 963-9648
Closed Now
9849 Manchester Rd, St. Louis, MO 63119
General Services
Mortgage Services
9

Nichols & Co. Mortgage Advisors

Nichols & Co. Mortgage Advisors offers a personalized mortgage experience with direct, hands-on service from a seasoned expert who manages each loan from start to finish. Specializing in mortgage origination, the team guides clients clearly through every step, earning praise for smooth communication and a stress-free process.

Services & Prices
Home Buying Assistance Quoted per loan
Refinancing Services Quoted per loan
Loan Pre-approval Quoted per loan
View Profile
(314) 789-8999
Open 00:00 - 23:59
4303 McPherson Ave, St. Louis, MO 63108
General Services
Mortgage Services
10

Guild Mortgage Company

Guild Mortgage has been helping homebuyers since 1960, offering a broad range of mortgage options including VA, USDA, and renovation loans. Customers appreciate the team’s clear communication and personalized guidance throughout the process, though some have noted concerns about billing errors and response times during recent issues.

View Profile
(314) 353-3000
Closed Now
4643 Gravois Ave, St. Louis, MO 63116

St. Louis Mortgage Statistics

Home-purchase lending in St Louis County and home costs in St. Louis, MO (latest HMDA and Census data)

Lenders made 11,754 home-purchase loans in St Louis County in 2025 (average about $316,000) and denied 1,089 — 8% of decided applications, compared with 11% across Missouri, according to federal mortgage data (HMDA, CFPB). In St. Louis, the median home is worth $197,500 and 62% of owners have a mortgage, paying a median $1,487 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
11,754▼ 1%11,861 in 2024
Denial rate
8%MO 11%
Median home value
$197,500MO $230,300
Monthly cost with a mortgage
$1,487median · MO $1,524
Refinance loans made (St Louis County, 2025)
7,059 · 5,241 in 2024
Home-improvement loans made (2025)
2,220
Average home-purchase loan
$316,000 (MO $279,000)
Owners with a mortgage
62% · 23% of them spend 30%+ of income on housing
Median household income
$56,160 (MO $70,702)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in St Louis County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

St. Louis Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Better Rate Mortgage - Mortgage Lender 5.0 440 Quoted per loan (314) 361-9979 Visit
2 USA Mortgage 4.9 1939 — (314) 628-2000 Visit
3 First Integrity Team of Supreme Lending 5.0 948 — (314) 878-7900 Visit
4 Golden Oak Lending 4.9 726 Quoted per loan (314) 567-4653 Visit
5 Stuart's American Mortgage Corporation St. Louis 4.9 387 Quoted per loan (314) 423-0351 Visit
6 Pinnacle Real Estate Advisor Home Loans 5.0 165 Quoted per loan (314) 497-5037 Visit
7 The Home Loan Expert 4.4 158 Quoted per loan (314) 781-9700 Visit
8 Mortgage Solutions of St. Louis 4.8 66 Quoted per loan (314) 963-9648 Visit
9 Nichols & Co. Mortgage Advisors 5.0 38 Quoted per loan (314) 789-8999 Visit
10 Guild Mortgage Company 4.8 25 — (314) 353-3000 Visit

How this St. Louis mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Missouri rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.85% of the home's value a year, the Missouri average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

9 questions
How does the St. Louis mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on your income, debts, down payment, interest rate, and first-time buyer status.
What is the debt-to-income ratio for mortgages in Missouri?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income, following FHA and Qualified Mortgage standards.
What is the minimum down payment for a home in St. Louis?
Conventional loans require at least 3% down for first-time buyers; FHA loans need 3.5%. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Missouri?
If your down payment is under 20%, PMI is added, costing about 0.6% of the loan annually. It can usually be removed once the loan balance is below 80% of the home's value.
How do interest rates impact how much house I can afford?
Higher interest rates increase monthly payments, reducing the maximum home price you can afford. Rates change weekly, affecting affordability.
How do my debts affect the mortgage I can qualify for in St. Louis?
Higher monthly debt payments reduce the mortgage amount you can qualify for, as lenders consider total debt-to-income ratios.
What is the property tax rate in Missouri?
Property tax is about 0.85% of the home's value annually, based on the 2024 average for owner-occupied homes in Missouri.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, credit, and down payment, giving a more accurate estimate. Pre-qualification is a preliminary assessment.
How can a mortgage broker help me in St. Louis?
A mortgage broker can help you find loan options and guide you through the mortgage process, but they don't guarantee approval or rates.

General information, not financial advice — consult a qualified professional.