Safe Rate Rankings

Best VA 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Arvest BankBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,590Fees	0.498%Above	227
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$454Fees	0.627%Below	16
3	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,665Fees	0.257%Above	35
4	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,833Fees	0.490%Above	22
5	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,257Fees	0.479%Above	989
6	Gateway First BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,524Fees	0.748%Above	60
7	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$1,607Fees	0.065%Below	12
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,455Fees	0.526%Above	180
9	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$233Fees	1.196%Above	69
10	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$854Fees	0.388%Above	19

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.