# Best Conventional Mortgage Lenders in Joplin, MO

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Joplin, MO. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/joplin-mo/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 29
- **Total Loans:** 2,197
- **Median Rate Spread:** 0.38085185185185183%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FLAT BRANCH MORTGAGE, INC. | 88 | 59 | 84 | 989 | Independent Mortgage Company |
| 2 | U.S. Bank National Association | 79 | 75 | 69 | 52 | Bank |
| 3 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 16 | Credit Union |
| 4 | Arvest Bank | 75 | 37 | 68 | 227 | Bank |
| 5 | ROCKET MORTGAGE, LLC | 75 | 28 | 87 | 180 | Independent Mortgage Company |
| 6 | Pinnacle Bank | 74 | 78 | 79 | 32 | Bank |
| 7 | Great Southern Bank | 74 | 75 | 68 | 17 | Bank |
| 8 | GERSHMAN INVESTMENT CORP. | 73 | 53 | 74 | 35 | Independent Mortgage Company |
| 9 | The Central Trust Bank | 73 | 47 | 72 | 23 | Bank |
| 10 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 20 | Independent Mortgage Company |
| 11 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 11 | Bank |
| 12 | Gateway First Bank | 71 | 27 | 75 | 60 | Bank |
| 13 | UNITED WHOLESALE MORTGAGE, LLC | 70 | 36 | 86 | 35 | Independent Mortgage Company |
| 14 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 13 | Independent Mortgage Company |
| 15 | First Community Bank | 67 | 25 | 65 | 52 | Bank |
| 16 | DAS Acquisition Company, LLC | 66 | 29 | 75 | 20 | Independent Mortgage Company |
| 17 | LOWER, LLC | 66 | 33 | 66 | 16 | Independent Mortgage Company |
| 18 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 14 | Independent Mortgage Company |
| 19 | TOWNE MORTGAGE COMPANY | 66 | 39 | 79 | 10 | Independent Mortgage Company |
| 20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 66 | 40 | 74 | 10 | Independent Mortgage Company |
| 21 | Midwest Mortgage Associates Corporation | 64 | 42 | 44 | 51 | Independent Mortgage Company |
| 22 | NEWREZ LLC | 62 | 31 | 58 | 17 | Independent Mortgage Company |
| 23 | Southwest Missouri Bank | 60 | 17 | 69 | 151 | Bank |
| 24 | ROYAL UNITED MORTGAGE LLC | 53 | 4 | 62 | 12 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Joplin, MO.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.