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St. Charles Mortgage Company Lender


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We have been St. Charles's top community bank since 1906. We invest capital profitably in our whole community, and reinvest deposits locally. Midwest BankCentre ensures that $95 of every $100 deposit stays in St. Charles and the St. Louis area to help build local businesses and families. Every dollar is circulated six times across the region's economy on average. An investment in you and your home is an investment in the entire community. Let's get you home with a St. Charles home loan.

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St. Charles Mortgage Company Loan Types

Conventional Loan

Construction Loan


VA Loan

Mortgages that aren't insured by the federal government typically offer lower rates and greater flexibility. These loans are popular among borrowers who are financially stable, with good credit scores, stable jobs, and steady incomes. There are many options available, but make sure you choose a low rate and option that suits your financial goals and current financial situation. CONSTRUCTION LOANS can be used to build your dream home or remodel an existing one. Our second home opportunities include 90% to 80/10 and the possibility of approval for non-warrantable condos. You can also get up to 80% on investment property condos, with the possibility to add a 10% piggyback. We also offer portfolio service services in-house. You can get loans up to $1.5 million with the potential to make exceptions.

USDA loans can be used if you are looking to live in rural areas and away from the city. The USDA Loan is guaranteed by the U.S. Department of Agriculture. It offers a low interest rate, low monthly payments, and a borrower can get up to 100% of the appraised value of their home.

The Veteran Affairs (VA) home loan is an excellent benefit for military personnel who have served during and after their time in the military. You can be either a former or current service member. Let us help you get a home loan. We offer no down payment, no mortgage lender fees, no private mortgage insurance, and competitive or reduced interest rates. The U.S. Department of Veterans Affairs partially guarantees VA Home Loans (typically 25% of the loan value).


DR. Loan


FHA Loan

If you are a US Resident and do not have a social security number, an ITIN LOAN can be used. ITIN loans are for those who don't have a social insurance number but can provide an ITIN as proof of identity. A DR. LOAN can be used by medical professionals. This loan is available to residents and doctors, regardless of their financial history. It does not consider student loans. We offer many home equity loans and credit options, no matter how small or large. With a home equity line of credit (HELOC), you can remodel your home or build a new one (or more!) without the need for another mortgage. We can help you today. These loans are great for homebuyers with poor credit or who cannot afford a down payment. FHA loans were created to make homeownership affordable. Let us assist you today. You must be buying a primary residence.


Our dream is to help you realize your dream of owning a home - or a second home!

There are many loan options available to meet your financing needs, including mortgage rates and services for investment properties and second homes. The purpose of a vacation home is to create lasting memories that will last generations. A second home reinforces the idea that you can have a space where your daily cares don’t hold as much weight. With historically low interest rates, it’s a great time to consider purchasing a second home. We can help you find the right home loan or refinance option for you. Your dreams are possible!

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

Mortgage Review Count and Star Rating

WE ARE PROUD TO BE A TOP MORTGAGE PROVIDER has named us a Top Ten St. Louis Mortgage Company.

As your St. Charles Mortgage Company, we believe that when we DREAM BIG, we all RISE TOGETHER.

Make your move now. Midwest BankCentre is ready to earn your 5-star rating. We have over 2,000 reviews with an average rating of 4.85 stars! Our home loan officers and specialists are available to help you with any of your mortgage payment needs, including buying a home or refinancing an existing one.


St. Charles Mortgage Company Lender

Your First-Time & Forever Home Mortgage Provider


Borrowers often find it overwhelming to purchase a home. And, if you choose to purchase a vacation home or investment property, things can get even more difficult from a tax, financing, and real estate standpoint.

We're here to take the hassle out of home borrowing, whether you refinance, buy, or build your home. Every person's story is unique, but we have helped thousands of people choose their home loans over the past 100 years. We are proud to offer home loans to meet a wide variety of needs, including a 100% mortgage financing option that allows buyers to buy a home with no down payment.

For realty professionals, you can feel confident in the knowledge that your clients will be in good hands. To help you close successful transactions, we will be there for you every step of your way from the initial call to closing costs.

With our best-in-class technology, customers have a seamless experience from application to closing. Borrowers have the option to apply online using our cloud-based, intuitive and secure application. Combined with top-rated service from our lenders and home loan specialists, home buyers benefit from our smart, personalized approach.

We strive to reach people wherever they are so they can get to wherever they want to be. Our Bank helps everyone DREAM BIG.

You are invited to visit Midwest BankCentre to discover how we can help you or your real estate clients get into the home of your dreams. By working in partnership, we can all RISE TOGETHER.
Mortgage Review Count and Star Rating

Why should you choose to work with us?


Midwest BankCentre offers support for more than 1,400 home purchases, refinances and HELOCs each year. We provide local decision-making that leads to fast responses. We offer personalized services and a dedicated manager to each client, not just a toll-free 1-800 number. With credit, operations, and senior loan officers all under the same roof, our consolidated team facilitates prompt, coordinated efforts that increase your yield and decrease the time it takes for you to close.

Personalized service is another benefit of Midwest BankCentre. We are proud to provide customized solutions. With a complete list of products to meet your home loan program requirements, our professional mortgage loan officers can help you navigate the home loan process and find one that works for you.


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

We want to be your first-time and forever mortgage provider


Midwest BankCentre, St. Louis's second-largest locally owned bank, has assets in excess of $2.3 billion and deposits in excess of $1.8 billion. Midwest BankCentre has approximately 280 employees and loan officers who work at various Bank locations in the St. Louis/St. Charles area.

We aim to empower people and enable businesses through the strength of our financial services, which include personalized consumer and business banking, as well as business cash management, St. Charles mortgage loans, home equity loans, financial planning, investments, and insurance. Because each customer is unique, we offer a wide range of products at competitive rates to meet your needs and help you reach your goals.

At Midwest BankCentre, we make long-term, meaningful investments in communities that lift everyone up so we can all RISE TOGETHER.

St. Louis mortgage refinance


Awards and Recognition


Midwest BankCentre was honored to be presented with numerous awards that recognize the strength of the Bank, the hard work our lenders do, and the talent of its executive team. However, winning awards is only one part of the story. We hope that people will see the positive changes we have made in their region and become more involved by opening checking and savings accounts. This will allow us to continue helping everyone realize their dreams.

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


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

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