# Best Mortgage Lenders in Jefferson City, MO

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

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

> **Canonical URL:** https://saferate.com/jefferson-city-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:** 18
- **Total Loans:** 1,283
- **Median Rate Spread:** 0.2833888888888889%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FLAT BRANCH MORTGAGE, INC. | 84 | 50 | 89 | 424 | Independent Mortgage Company |
| 2 | The Central Trust Bank | 78 | 47 | 75 | 268 | Bank |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 142 | Independent Mortgage Company |
| 4 | MISSOURI Credit Union | 78 | 92 | 44 | 36 | Credit Union |
| 5 | Hawthorn Bank | 73 | 79 | 46 | 31 | Bank |
| 6 | ROCKET MORTGAGE, LLC | 68 | 29 | 95 | 88 | Independent Mortgage Company |
| 7 | GERSHMAN INVESTMENT CORP. | 66 | 55 | 79 | 23 | Independent Mortgage Company |
| 8 | Mortgage Research Center, LLC | 63 | 34 | 70 | 91 | Independent Mortgage Company |
| 9 | DAS Acquisition Company, LLC | 62 | 26 | 80 | 30 | Independent Mortgage Company |
| 10 | Midwest Mortgage Associates Corporation | 60 | 47 | 48 | 21 | Independent Mortgage Company |
| 11 | TOWNE MORTGAGE COMPANY | 58 | 40 | 79 | 27 | Independent Mortgage Company |
| 12 | GENEVA FINANCIAL, LLC | 49 | 14 | 82 | 28 | 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 Jefferson City, 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.