Safe Rate Rankings

Best Conventional Mortgage Lenders in Jefferson City

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders18

Total Loans1,283

Median Rate Spread0.28%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,492Fees	0.322%Above	424
2	MISSOURI Credit UnionCredit Union	Exceptional	Exceptional	Strong	Sound	Strong	$473Fees	0.092%Above	36
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$707Fees	0.371%Below	11
4	The Central Trust BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,500Fees	0.375%Above	268
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,227Fees	0.140%Above	18
6	First Mid Bank & Trust, National AssociationBank	Strong	Strong	Strong	Strong	Sound	$679Fees	0.347%Above	10
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,713Fees	0.404%Above	142
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,845Fees	0.526%Above	88
9	Hawthorn BankBank	Strong	Strong	Sound	Sound	Strong	$959Fees	0.089%Above	31
10	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,190Fees	0.436%Above	23
11	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,079Fees	0.386%Above	30
12	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,327Fees	0.598%Above	27
13	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,047Fees	0.414%Above	10
14	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,090Fees	0.476%Above	91
15	Midwest Mortgage Associates CorporationIndependent Mortgage Company	Strong	Sound	Sound	Sound	Sound	$1,728Fees	0.409%Above	21
16	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$2,273Fees	0.573%Above	28

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.