# Best Conventional Mortgage Lenders in Columbia, MO

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

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

> **Canonical URL:** https://saferate.com/columbia-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:** 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. | 88 | 59 | 84 | 482 | Independent Mortgage Company |
| 2 | U.S. Bank National Association | 85 | 75 | 69 | 53 | Bank |
| 3 | The Central Trust Bank | 83 | 47 | 72 | 276 | Bank |
| 4 | MISSOURI Credit Union | 83 | 92 | 44 | 108 | Credit Union |
| 5 | Bank of America, National Association | 79 | 71 | 67 | 17 | Bank |
| 6 | ROCKET MORTGAGE, LLC | 75 | 28 | 87 | 125 | Independent Mortgage Company |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 80 | Independent Mortgage Company |
| 8 | First Mid Bank & Trust, National Association | 74 | 79 | 73 | 17 | Bank |
| 9 | West Community Credit Union | 73 | 88 | 51 | 51 | Credit Union |
| 10 | GERSHMAN INVESTMENT CORP. | 73 | 53 | 74 | 23 | Independent Mortgage Company |
| 11 | NBKC BANK | 73 | 90 | 49 | 14 | Bank |
| 12 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 11 | Bank |
| 13 | DAS Acquisition Company, LLC | 71 | 29 | 75 | 99 | Independent Mortgage Company |
| 14 | Bell Bank | 71 | 36 | 80 | 68 | Bank |
| 15 | The Bank of Missouri | 69 | 50 | 73 | 21 | Bank |
| 16 | First State Community Bank | 69 | 64 | 60 | 16 | Bank |
| 17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 66 | 26 | 76 | 19 | Independent Mortgage Company |
| 18 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 12 | Independent Mortgage Company |
| 19 | Arvest Bank | 66 | 37 | 68 | 10 | Bank |
| 20 | Wells Fargo Bank, National Association | 66 | 61 | 57 | 10 | Bank |
| 21 | Midwest Mortgage Associates Corporation | 64 | 42 | 44 | 45 | Independent Mortgage Company |
| 22 | Commerce Bank | 64 | 54 | 49 | 28 | Bank |
| 23 | Hawthorn Bank | 64 | 72 | 53 | 21 | Bank |
| 24 | Mortgage Research Center, LLC | 63 | 34 | 43 | 105 | Independent Mortgage Company |
| 25 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 26 | Independent Mortgage Company |
| 26 | Simmons Bank | 58 | 39 | 54 | 19 | Bank |
| 27 | Mid-Continent Funding, Inc. | 53 | 43 | 38 | 36 | 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. **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.