The Home Loan Expert Mortgage Rates, Fees & Info

St Louis, MO

LEI: 254900Q716E7IUMXGB91

Tax ID: 47-2469140

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Mortgage Data

Review & Overview

The Home Loan Expert is a smaller mortgage company specializing in various types of mortgages.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.61% 7/14/24
30 Year Conventional Refi 6.63% 7/14/24
30 Year Cash-out Refi 7.08% 7/14/24
30 Year FHA Purchase 7.45% 7/14/24
30 Year FHA Refi 7.09% 7/14/24
30 Year VA Purchase 6.13% 7/14/24
30 Year VA Refi 6.38% 7/14/24
30 Year USDA Purchase 6.52% 7/14/24
15 Year Conventional Purchase 6.14% 7/14/24
15 Year Conventional Refi 6.31% 7/14/24
15 Year Cash-out Refi 6.31% 7/14/24
15 Year FHA Refi 5.68% 7/14/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

The Home Loan Expert Mortgage Calculator

Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from The Home Loan Expert. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.



Origination Dollar Volume (All Markets)


Similar Lenders

We use machine learning to identify the top lenders compared against The Home Loan Expert based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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