# Best Mortgage Lenders in Columbia, MO

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

Compare the top mortgage lenders in Columbia, MO. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/columbia-mo/best-mortgage-lenders


> **📋 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:** 30
- **Total Loans:** 1,830
- **Median Rate Spread:** 0.23136666666666666%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FLAT BRANCH MORTGAGE, INC. | 84 | 50 | 89 | 482 | Independent Mortgage Company |
| 2 | MISSOURI Credit Union | 84 | 92 | 44 | 108 | Credit Union |
| 3 | U.S. Bank National Association | 80 | 75 | 71 | 53 | Bank |
| 4 | The Central Trust Bank | 78 | 47 | 75 | 276 | Bank |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 80 | Independent Mortgage Company |
| 6 | West Community Credit Union | 78 | 88 | 41 | 51 | Credit Union |
| 7 | ROCKET MORTGAGE, LLC | 68 | 29 | 95 | 125 | Independent Mortgage Company |
| 8 | DAS Acquisition Company, LLC | 68 | 26 | 80 | 99 | Independent Mortgage Company |
| 9 | Bell Bank | 68 | 35 | 82 | 68 | Bank |
| 10 | GERSHMAN INVESTMENT CORP. | 66 | 55 | 79 | 23 | Independent Mortgage Company |
| 11 | Hawthorn Bank | 66 | 79 | 46 | 21 | Bank |
| 12 | Midwest Mortgage Associates Corporation | 66 | 47 | 48 | 45 | Independent Mortgage Company |
| 13 | Mid-Continent Funding, Inc. | 66 | 46 | 49 | 36 | Independent Mortgage Company |
| 14 | Mortgage Research Center, LLC | 63 | 34 | 70 | 105 | Independent Mortgage Company |
| 15 | Commerce Bank | 60 | 52 | 47 | 28 | Bank |
| 16 | The Bank of Missouri | 60 | 49 | 54 | 21 | Bank |
| 17 | NEW AMERICAN FUNDING, LLC | 52 | 22 | 60 | 26 | Independent Mortgage Company |

## 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 Columbia, 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.