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Justin Lackey - USA Mortgage - Mortgage Loan Originator in Columbia, MO

Justin Lackey - USA Mortgage

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Mortgage Loan Originator

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Our USA Mortgage team knows that the purchase of a home is a large investment, financially & emotionally. As your mortgage lender we offer customizable loan products & programs to fit individual needs, a digital process from start to finish... Show More
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  • google
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    Brendan B
    Posted on February 26th, 2024 07:47 PM
    We worked with Justin lackey and it couldn’t have gone any better. This was our first home and a USDA loan. Justin is the best in the business and I recommend him to anyone.
    Reply from Owner
    February 26th, 2024 09:29 PM
    Thank you for the glowing review, Brendan! We're thrilled to hear that your experience working with Justin Lackey exceeded your expectations. We truly appreciate your recommendation and look forward to assisting you or anyone you refer in the...
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  • Zillow
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    Brendan B
    Mexico, MO
    Posted on February 26th, 2024 12:00 AM
    From day 1 we knew we were in good hands with Justin. Being first time home buyers we had no idea what to expect and Justin made this process so easy, and smooth for us. Great communication, attentive to our needs/wants and made sure everything...
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    Reply from Owner
    March 14th, 2024 12:00 AM
    Thank you for the great review Brendan! I enjoyed working with you and Emily on your first home! I hope you both all the best and get settled into the new home nicely!!
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    Brittany P
    VERSAILLES, MO
    Posted on February 21st, 2024 01:34 PM
    Unbelievably fast and knowledgeable made the whole experience easy and as stress free as possible made buying our first home easy!
    Reply from Justin Lackey - USA Mortgage
    November 6th, 2025 11:40 AM
    I love hearing that you had a spectacular mortgage process. USA Mortgage takes pride in what we do and to provide our customers with the best experience possible. At your earliest convenience, please share your experiences with us on social...
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  • Encompass
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    Chad S D
    CENTRALIA, MO
    Posted on February 7th, 2024 01:17 AM
    Justin was very honest and helpful and explained every step
    Reply from Justin Lackey - USA Mortgage
    November 6th, 2025 11:40 AM
    I can’t thank you enough for your positive words and really appreciate you taking the time out of your day to let people know how much you loved working with me at USA Mortgage on your home loan. I hope to see you again down the road!
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    Josh L
    Wentzville, Missouri
    Posted on January 10th, 2024 08:47 PM
    Quick and professional, he helped us do what we needed and answered all our questions.
    Reply from Justin Lackey - USA Mortgage
    November 6th, 2025 11:40 AM
    I appreciate you choosing me at USA Mortgage for your home loan and I'm here for you anytime. I hope to see you again for many years!
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    Michele L
    Wentzville, MO
    Posted on January 9th, 2024 12:09 AM
    Justin always kept us up to date on everything, which was incredibly helpful for such a stressful time. He also made the whole process very easy! Super nice guy and great at what he does!
    Reply from Justin Lackey - USA Mortgage
    November 6th, 2025 11:40 AM
    I can’t thank you enough for your positive words about your home loan experience. I would really appreciate you letting people know how much you loved working with me at USA Mortgage. I hope to hear from you again!
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    Joshua C
    Hannibal, MO
    Posted on November 28th, 2023 11:19 PM
    This is my second house purchase working with Justin. His knowledge and great communication will always keep me coming back.
    Reply from Justin Lackey - USA Mortgage
    November 6th, 2025 11:40 AM
    Thank you for the 5-Star review. If you need anything, feel free to give us a call.
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    Michael S
    Jefferson City, MO
    Posted on November 17th, 2023 05:11 PM
    The process was nice and smooth, and Justin takes good care of his people. He goes above and beyond to make sure everything is in order. This is the second time that I’ve worked with Justin and I will move back for future needs.
    Reply from Justin Lackey - USA Mortgage
    November 6th, 2025 11:40 AM
    It was great working with you. Thanks again for putting your trust in us.
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    Chris K
    Posted on November 15th, 2023 02:25 AM
    Justin was a great asset, he tailored the best deal possible to give the best service for our client. In a industry that is profit driven it is a breath of fresh air working with a lender that treats clients and everyone with care. I truly...
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    Reply from Justin Lackey - USA Mortgage
    November 6th, 2025 11:40 AM
    Chris, thank you for taking the time to leave a review! Working together during our client's home purchase was a pleasure. We appreciate your trust and support in Justin, his team, and USA Mortgage and hope to work together again!
  • google
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    Chris K
    Posted on November 15th, 2023 02:25 AM
    Justin was a great asset, he tailored the best deal possible to give the best service for our client. In a industry that is profit driven it is a breath of fresh air working with a lender that treats clients and everyone with care. I truly...
    read more
    Reply from Owner
    November 15th, 2023 06:02 PM
    Chris, thank you for taking the time to leave a review! Working together during our client's home purchase was a pleasure. We appreciate your trust and support in Justin, his team, and USA Mortgage and hope to work together again!
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    About
    Our USA Mortgage team knows that the purchase of a home is a large investment, financially & emotionally. As your mortgage lender we offer customizable loan products & programs to fit individual needs, a digital process from start to finish, & a local team to guide you every step of the way, to ensure smooth & problem free closings. We make your mortgage fit your life. Above all else, our main goal is to provide a superior customer service experience while properly matching you with a mortgage loan product to help you realize your dream of homeownership. If you are already home & seeking to refinance, secure a 203K or apply for a reverse mortgage; we will get you the help you need close to home. At USA Mortgage, anything is possible.
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Mortgage Refinance
    Specialities
    Mortgages, Home Loans, Rate-Term Refinance, Cash-Out Refinances, New Construction Loans
    FHA Loans
    NoDown
    LowDown
    $5,000 Guarantee
    USAdvantage
    Possibility Protection
    Conventional Loans
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    What is the Search Rank Score®?
    Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
    Positions
    • USA Mortgage - Mortgage Banker/Loan Originator
      Feb 1st, 2018 - Current
    Memberships
    • Columbia Board of Realtors
    • Jefferson City Board of Realtors
    • Chamber of Commerce
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    Addresses and Serving Areas

    Year Started

    2018

    Time Zone

    Central Standard Time (CST)
    Licenses
    • NMLS# 1724051
    Awards
    Top Producer Quarter 3
    Top Producer Quart...
    Achievements
    • Customer Service Award 2021
    Hobbies
    • Fishing
    • Sports, Outdoors, Hiking, Fishing, Wight Lifting
    • Outdoors
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    Disclaimer

    Equal Housing Opportunity

    Not an offer to lend. Subject to credit approval and additional terms apply. DAS Acquisition Company, LLC dba USA Mortgage NMLS #227262. Licensed Lending Area: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI and WY. AZ License Number: 0942576. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Regulated by the CO Division of Real Estate, MA Mortgage Broker & Mortgage Lender MC227262, Licensed by the N.J. Department of Banking and Insurance, OH #RM.850291.000, Licensed under the Oregon Consumer Finance Act, OR License #ML-5723, Rhode Island Licensed Lender, WA #CL-227262. Headquarters: 12140 Woodcrest Executive Drive, Suite 150, St. Louis, Missouri 63141, Toll Free: (888) 250-6522. For licensing information, go to: www.nmlsconsumeraccess.org.