Safe Rate Rankings

Best All Lender Mortgage Lenders in Joplin

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.
Total Lenders29
Total Loans2,197
Median Rate Spread0.38%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Pinnacle BankBank
Exceptional
Exceptional
Strong
Sound
$1,537Fees
0.187%Above
32
2
FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company
Strong
Sound
Exceptional
Exceptional
$1,257Fees
0.479%Above
989
3
U.S. Bank National AssociationBank
Strong
Strong
Strong
Sound
$893Fees
0.317%Above
52
4
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Sound
$2,517Fees
0.370%Above
35
5
Arvest BankBank
Strong
Acceptable
Strong
Exceptional
$1,590Fees
0.498%Above
227
6
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
$3,455Fees
0.526%Above
180
7
Midwest Mortgage Associates CorporationIndependent Mortgage Company
Strong
Sound
Sound
Strong
$977Fees
0.388%Above
51
8
GERSHMAN INVESTMENT CORP.Independent Mortgage Company
Strong
Sound
Strong
Sound
$1,665Fees
0.257%Above
35
9
The Central Trust BankBank
Strong
Sound
Strong
Sound
$1,735Fees
0.478%Above
23
10
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Sound
Strong
Sound
$1,833Fees
0.490%Above
22
11
LOANDEPOT.COM, LLCIndependent Mortgage Company
Strong
Sound
Strong
Sound
$3,654Fees
0.192%Above
20
12
Mortgage Research Center, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
$233Fees
1.196%Above
69
13
Gateway First BankBank
Strong
Acceptable
Strong
Strong
$1,524Fees
0.748%Above
60
14
First Community BankBank
Strong
Acceptable
Strong
Strong
$3,299Fees
0.518%Above
52
15
DAS Acquisition Company, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
$2,478Fees
0.446%Above
20
16
Southwest Missouri BankBank
Sound
Mediocre
Strong
Exceptional
$678Fees
0.704%Above
151

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)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.