Mortgage Header Image

North County Mortgage Company


Get Moving Today!

Since 1906, Midwest BankCentre has been a prominent mortgage broker in St. Louis and North County neighborhoods like Florissant, Hazelwood, Maryland Heights, Ferguson, Overland, Bridgeton, and Jennings. We invest capital profitably in local communities. $95 of every $100 deposit stays in St. Louis, helping to build local businesses and strengthen families. Each dollar is circulated an average of six times through the regional economy. An investment in your home is an investment in the St. Louis community. Let's get you home. 

Mortgage Review Count and Star Rating

North County Mortgage Company Loan Types

Mortgages that aren’t insured by the federal governments have low rates and flexible terms. These loans are most popular with borrowers who are financially stable - those that have good credit, steady jobs, and stable incomes. There are many options, but you should choose the one that best suits your financial goals and current financial position. Construction loans can be used to help you build or remodel your dream home. For second homes, there are two options: 90% and 80/10. Non-warrantable condos can also be approved. With the option to add a 10% piggyback, you can get as high as 80% on condos for investment properties. Portfolio service is also available in-house. With the possibility to make exceptions, you can obtain loans up to $1.5 Million. For military personnel who served in the military and are looking for a home in Florissant, Hazelwood, Maryland Heights, Ferguson, Overland, Bridgeton, or Jennings, the Veteran Affairs (VA) home loan is a great benefit. Either a current or former service member can apply. VA home loans are a great option for servicemen and women. They have no down payment, no lender fees, and no private mortgage insurance. The U.S. Department of Veterans Affairs partially guarantees them (typically 25% of the loan amount). USDA loans are available if you're looking for a rural home away from the big city. The U.S. Department of Agriculture guarantees a USDA loan. The USDA loan program offers low interest rates and low monthly payments. It allows the borrower up to 100% of the home's appraised value.
Medical professionals can apply for a Dr. loan. This loan option is available to all residents and doctors, regardless of financial history. This loan does not look at student loans. U.S citizens without a social security card can apply for an ITIN loan. Borrowers who have an ITIN number can apply for ITIN loans. There are many options available for home loans, including a Home Equity Line of Credit or a Home Equity loan. This allows you to use the equity in your home to renovate it or build a new one, without having to take out another mortgage. We can help you today. These loans are ideal for those who have poor credit or cannot afford a down payment. FHA loans are designed to make homeownership affordable. Get started today with FHA loans. FHA loans cannot be used to purchase primary residences.

North County Mortgage Company


Dreaming of Owning a Beautiful Vacation Home?


A vacation home is for creating happy memories that can last generations. It is a place where you can put aside your daily worries and enjoy the present. If you’re thinking about buying a vacation home, let us help you find a second home loan option that suits your financing needs. You have the opportunity to benefit from historically low interest rates! We can help find the best home loan or refinance for you. You can achieve your dreams!

If you have questions, please call us at 314-633-6060, or email us at:


Couple moving a chair

We are Proud to be a Top-Rated NORTH COUNTY MORTGAGE PROVIDER. ranked us as a Top Ten St. Louis Mortgage Company.

We believe that when we DREAM BIG, we all RISE TOGETHER.

Our mortgage specialists can help with all of your mortgage needs, and we can work with you if you have a low credit score.

Mortgage Review Count and Star Rating


Your First-Time & Forever Home Mortgage Lender


Many borrowers find it difficult to buy a home and need mortgage advice from a loan officer. It is important to understand that purchasing a vacation home, investment property, or other type of property can be more complicated from a tax, financing, and real estate perspective.

No matter if you're looking to refinance, buy, or build, we can simplify the home loan process and walk you through each step. Each person is different, but over the past 100 years we have helped thousands choose their home loans. We offer many home loan options to suit a wide range of financial needs, including a 100% mortgage financing option that allows buyers to purchase a home without any down payment.

Realtors can be confident that their clients will be in good hands. We are here to assist you at every stage of your journey, offering exceptional service to our clients and yours to ensure that they close successful transactions.

You will enjoy a seamless experience from application to closing. We also offer a cloud-based, secure application that can be used by borrowers. Our top-rated loan specialists will make your experience easy and personalized.

We aim to reach everyone wherever they are, so that they can achieve their goals. Our North County Bank creates the right conditions to help all people DREAM BIG.

Midwest BankCentre invites you to come visit us in North County and see how we can help you and your clients get into the home of your dreams. By working together, we can all RISE TOGETHER.

  -  Orvin T. Kimbrough, Chairman & CEO


If you have questions, please call us at 314-633-6060, or email us at:


Why Should You Work With Us?


Midwest BankCentre offers support for over 1,400 home purchases, refinances and HELOCs every year. We can respond quickly because of our local decision-making, with loans, credit, and operations all under one roof. You can reap the benefits of coordinated, agile efforts to increase your yield and reduce the time it takes to close.

Each customer will receive personalized service and a dedicated relationship manager. Our average customer service rating is 4.85 stars based on over 2,000 reviews. We recognize that every borrower is different and offer customized solutions and a variety of products to suit customers' needs and help them navigate the home loan process.

We are your First-Time and Forever mortgage provider.


If you have any questions, please call us at 314-633-6060, or email us at:

About Midwest BankCentre


Midwest BankCentre is St. Louis's 2nd largest locally-owned bank with assets exceeding $2.3 billion and deposits exceeding $1.8 billion. Midwest BankCentre employs approximately 280 people in various locations throughout the St. Louis area and the Florissant, Hazelwood, Maryland Heights, Ferguson, Overland, Bridgeton, and Jennings neighborhoods of North County.

We offer financial services that include personal and business banking, cash management, North County mortgage loans and home equity loans, as well as financial planning, investments, and insurance. Our mission is to empower local individuals and businesses to help the St. Louis community thrive. We offer a variety of products at affordable rates to suit every customer, and personalized services to help you achieve your goals and meet your needs.

We make long-term, sustainable investments in communities that will help all people so that we can all RISE TOGETHER.

St. Louis home equity loans


Recognition and Awards


Midwest BankCentre has been honored to receive numerous awards. These awards recognize the Bank's strength, hard work, and the talent of its executive team. But, the award winning is just one part of the story. We hope people will notice the positive changes made in their area and get involved by opening savings and checking accounts. We will continue to help everyone achieve their dreams.

Rated 5-Star Superior for Financial Strength & Stability by BauerFinancial: Midwest BankCentre is one of the few banks in the St. Louis and North County area to consistently receive the prestigious 5-Star Rating for financial strength and stability from BauerFinancial (


Our Other Awards:
  1. Best Bank of St. Louis Monthly for Small Business - 2019, 2020, and 2021
  2. Top Workplaces in St. Louis Post Dispatch - 2021
  3. Top 10 Mortgage Providers In St. Louis
  4. 5 Best Mortgage Brokers in St. Louis by
  5. Better Business Bureau Torch Award - We were awarded this award because of our exceptional customer service and ethical business practices.
  6. Independent Community Bankers of America (ICBA), 2018 National Community Service Award Recipient - One of only four recipients in the country.
  7. America's Bankers Association (ABA), 2019 National Community & Economic Development Award Winner

Aerial image of boy with his dog in the bathtub.

Home, pet, auto and more

Get instant quotes to protect your biggest investments

Tell Me More