Safe Rate Rankings
Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!
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Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.
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Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect | Exceptional | Sound | Exceptional | Exceptional | $1,466Fees | 0.402%Above | 6,598 | |
2 | Stifel Bank and Trust BankDirect | Strong | Strong | Strong | Exceptional | $281Fees | 0.060%Below | 1,033 | |
3 | COMMUNITY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Strong | Strong | Exceptional | $1,670Fees | 0.128%Above | 728 | |
4 | Midwest BankCentre BankDirect | Strong | Exceptional | Strong | Strong | $587Fees | 0.003%Above | 289 | |
5 | U.S. Bank National Association BankDirect | Strong | Strong | Strong | Exceptional | $715Fees | 0.217%Above | 1,525 | |
6 | Great Southern Bank BankDirect | Strong | Strong | Strong | Exceptional | $924Fees | 0.094%Above | 461 | |
7 | VICTORY MORTGAGE, L.L.C. Independent Mortgage CompanyDirect | Strong | Exceptional | Strong | Strong | $658Fees | 0.143%Above | 164 | |
8 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $520Fees | 0.463%Below | 577 | |
9 | NBKC BANK BankDirect | Strong | Exceptional | Sound | Strong | $363Fees | 0.078%Below | 500 | |
10 | Oakstar Bank BankDirect | Strong | Strong | Strong | Strong | $899Fees | 0.205%Above | 401 | |
11 | Guaranty Bank BankDirect | Strong | Strong | Strong | Strong | $826Fees | 0.177%Above | 194 | |
12 | GERSHMAN INVESTMENT CORP. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,357Fees | 0.524%Above | 1,424 | |
13 | First State Bank of St. Charles, Missouri BankDirect | Strong | Strong | Strong | Exceptional | $1,437Fees | 0.124%Above | 1,157 | |
14 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $1,693Fees | 0.358%Above | 3,245 | |
15 | COMMUNITYAMERICA CREDIT UNION Credit UnionDirect | Strong | Sound | Strong | Exceptional | $1,220Fees | 0.178%Above | 1,333 | |
16 | Bank of America, National Association BankDirect | Strong | Strong | Strong | Strong | $1,489Fees | 0.027%Below | 472 | |
17 | Carrollton Bank BankDirect | Strong | Strong | Strong | Strong | $872Fees | 0.256%Above | 323 | |
18 | ASSEMBLIES OF GOD Credit Union Credit UnionDirect | Strong | Strong | Strong | Strong | $1,093Fees | 0.201%Above | 266 | |
19 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,557Fees | 0.444%Above | 4,984 | |
20 | The Central Trust Bank BankDirect | Strong | Sound | Strong | Exceptional | $1,140Fees | 0.355%Above | 2,384 | |
21 | First Bank BankDirect | Strong | Strong | Strong | Exceptional | $1,280Fees | 0.156%Above | 547 | |
22 | MISSOURI Credit Union Credit UnionDirect | Strong | Exceptional | Sound | Strong | $646Fees | 0.032%Above | 188 | |
23 | HNB National Bank BankDirect | Strong | Strong | Strong | Strong | $466Fees | 0.094%Above | 207 | |
24 | JLB CORPORATION Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | $3,694Fees | 0.344%Above | 486 | |
25 | Truist Bank BankDirect | Strong | Strong | Strong | Strong | $482Fees | 0.229%Above | 273 | |
26 | UMB Bank, National Association BankDirect | Strong | Strong | Sound | Strong | $735Fees | 0.082%Above | 208 | |
27 | DAS Acquisition Company, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,004Fees | 0.653%Above | 3,012 | |
28 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,213Fees | 0.521%Above | 3,817 | |
29 | DELMAR FINANCIAL COMPANY Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $1,237Fees | 0.334%Above | 585 | |
30 | Hawthorn Bank BankDirect | Strong | Strong | Sound | Strong | $1,073Fees | 0.076%Above | 175 | |
31 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,918Fees | 0.045%Below | 746 | |
32 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,020Fees | 0.580%Above | 707 | |
33 | TOGETHER CREDIT UNION Credit UnionDirect | Strong | Strong | Sound | Strong | $813Fees | 0.017%Above | 362 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,123Fees | 0.422%Above | 1,909 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,246Fees | 0.288%Above | 1,293 | |
36 | Arvest Bank BankDirect | Strong | Acceptable | Strong | Exceptional | $1,475Fees | 0.328%Above | 1,046 | |
37 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,720Fees | 0.186%Above | 661 | |
38 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $3,220Fees | 0.374%Above | 453 | |
39 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $1,016Fees | 0.476%Above | 241 | |
40 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $1,671Fees | 0.488%Above | 2,112 | |
41 | Flagstar Bank, N.A. BankDirect & Wholesale | Strong | Acceptable* | Strong | Strong | $1,745Fees | 0.446%Above | 646 | |
42 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | Strong | $2,162Fees | 0.138%Above | 338 | |
43 | Nations Lending Corporation Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,301Fees | 0.649%Above | 224 | |
44 | THOMPSON KANE & COMPANY, INC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $1,552Fees | 0.321%Above | 163 | |
45 | First State Community Bank BankDirect | Strong | Strong | Acceptable | Exceptional | $1,071Fees | 0.031%Above | 592 | |
46 | Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | $1,911Fees | 0.352%Above | 579 | |
47 | Bell Bank BankDirect | Strong | Acceptable | Exceptional | Strong | $1,943Fees | 0.371%Above | 310 | |
48 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Sound | Strong | $1,388Fees | 0.191%Above | 312 | |
49 | Southern Bank BankDirect | Strong | Sound | Sound | Strong | $568Fees | 0.363%Above | 297 | |
50 | Cadence Bank BankDirect | Strong | Sound | Strong | Strong | $1,304Fees | 0.258%Above | 175 |
Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Missouri), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.
The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.
Based on 2024 HMDA data, 254 lenders originated a combined 74,144 loans in Missouri. Safe Rate's rankings evaluate all of them — not just a curated shortlist.
Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Missouri is 0.36%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.
HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.
No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.
Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Missouri's rankings, all three institution types are evaluated on the same HMDA performance metrics.
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.