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.
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Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
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Better Rate Mortgage - Mortgage LenderPremium
5.0 · 440 reviews · Free pre-approval
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USA Mortgage
4.9 · 1939 reviews · Free pre-approval
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First Integrity Team of Supreme Lending
5.0 · 948 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.
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.
General information, not financial advice — consult a qualified professional.