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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Joplin
Updated February 5, 2026
Market Overview
29
Total Lenders
2,197
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,257 | +0.479% | 989 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $454 | -0.627% | 16 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $893 | +0.317% | 52 | |
4 | Pinnacle Bank | Strong | Strong | Strong | Strong | Sound | $1,537 | +0.187% | 32 | |
5 | Great Southern Bank | Strong | Strong | Strong | Strong | Sound | $900 | +0.354% | 17 | |
6 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,125 | +0.246% | 11 | |
7 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,590 | +0.498% | 227 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,455 | +0.526% | 180 | |
9 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Sound | $1,665 | +0.257% | 35 | |
10 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Sound | $1,735 | +0.478% | 23 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,654 | +0.192% | 20 | |
12 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,524 | +0.748% | 60 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,517 | +0.370% | 35 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $269 | -0.041% | 13 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Acceptable | $782 | +0.351% | 10 | |
16 | First Community Bank | Strong | Acceptable | Strong | Strong | Strong | $3,299 | +0.518% | 52 | |
17 | Midwest Mortgage Associates Corporation | Strong | Sound | Sound | Sound | Strong | $977 | +0.388% | 51 | |
18 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,478 | +0.446% | 20 | |
19 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,091 | +0.540% | 16 | |
20 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $1,188 | +0.124% | 10 | |
21 | Southwest Missouri Bank | Strong | Mediocre | Strong | Strong | Exceptional | $678 | +0.704% | 151 | |
22 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,926 | +0.580% | 17 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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