Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	MISSOURI Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	$473Fees	0.092%Above	36
2	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,492Fees	0.322%Above	424
3	The Central Trust BankBank	Strong	Sound	Strong	Exceptional	$1,500Fees	0.375%Above	268
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,713Fees	0.404%Above	142
5	Hawthorn BankBank	Strong	Strong	Sound	Strong	$959Fees	0.089%Above	31
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,845Fees	0.526%Above	88
7	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,190Fees	0.436%Above	23
8	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,090Fees	0.476%Above	91
9	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,079Fees	0.386%Above	30
10	Midwest Mortgage Associates CorporationIndependent Mortgage Company	Strong	Sound	Sound	Sound	$1,728Fees	0.409%Above	21
11	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,327Fees	0.598%Above	27
12	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.