Safe Rate Rankings

Best Conventional 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.

Market

Total Lenders29

Total Loans2,197

Median Rate Spread0.38%

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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	$1,257Fees	0.479%Above	989
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$454Fees	0.627%Below	16
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$893Fees	0.317%Above	52
4	Pinnacle BankBank	Strong	Strong	Strong	Strong	Sound	$1,537Fees	0.187%Above	32
5	Great Southern BankBank	Strong	Strong	Strong	Strong	Sound	$900Fees	0.354%Above	17
6	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,125Fees	0.246%Above	11
7	Arvest BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,590Fees	0.498%Above	227
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,455Fees	0.526%Above	180
9	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,665Fees	0.257%Above	35
10	The Central Trust BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,735Fees	0.478%Above	23
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,654Fees	0.192%Above	20
12	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,524Fees	0.748%Above	60
13	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,517Fees	0.370%Above	35
14	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$269Fees	0.041%Below	13
15	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Acceptable	$782Fees	0.351%Above	10
16	First Community BankBank	Strong	Acceptable	Strong	Strong	Strong	$3,299Fees	0.518%Above	52
17	Midwest Mortgage Associates CorporationIndependent Mortgage Company	Strong	Sound	Sound	Sound	Strong	$977Fees	0.388%Above	51
18	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,478Fees	0.446%Above	20
19	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,091Fees	0.540%Above	16
20	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,188Fees	0.124%Above	10
21	Southwest Missouri BankBank	Strong	Mediocre	Strong	Strong	Exceptional	$678Fees	0.704%Above	151
22	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,926Fees	0.580%Above	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)

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.