# Best Conventional Mortgage Lenders in Cape Girardeau, MO

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Cape Girardeau, MO. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/cape-girardeau-mo/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 19
- **Total Loans:** 731
- **Median Rate Spread:** 0.34394444444444444%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FLAT BRANCH MORTGAGE, INC. | 88 | 59 | 84 | 85 | Independent Mortgage Company |
| 2 | U.S. Bank National Association | 85 | 75 | 69 | 49 | Bank |
| 3 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 60 | Independent Mortgage Company |
| 4 | First State Community Bank | 79 | 64 | 60 | 83 | Bank |
| 5 | The Bank of Missouri | 79 | 50 | 73 | 48 | Bank |
| 6 | First Missouri State Bank of Cape County | 79 | 60 | 80 | 45 | Bank |
| 7 | GERSHMAN INVESTMENT CORP. | 79 | 53 | 74 | 30 | Independent Mortgage Company |
| 8 | Truist Bank | 79 | 71 | 69 | 24 | Bank |
| 9 | DAS Acquisition Company, LLC | 75 | 29 | 75 | 92 | Independent Mortgage Company |
| 10 | Gateway First Bank | 71 | 27 | 75 | 33 | Bank |
| 11 | Flagstar Bank, N.A. | 71 | 34 | 72 | 29 | Bank |
| 12 | NAVY FEDERAL CREDIT UNION | 70 | 92 | 53 | 12 | Credit Union |
| 13 | DELMAR FINANCIAL COMPANY | 69 | 48 | 60 | 20 | Independent Mortgage Company |
| 14 | Southern Bank | 69 | 53 | 63 | 18 | Bank |
| 15 | Regions Bank | 66 | 39 | 64 | 21 | Bank |
| 16 | Commerce Bank | 64 | 54 | 49 | 12 | Bank |
| 17 | Banterra Bank | 49 | N/A | 46 | 20 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Cape Girardeau, MO.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.