Safe Rate Rankings

Best Conventional Mortgage Lenders in Missouri

Updated June 4, 2026

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!

⚖️ 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 Lenders254

Total Loans74,144

Median Rate Spread0.36%

Missouri Market Insights

Flat Branch Mortgage is Safe Rate's top-ranked Conventional lender in Missouri, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Missouri, Navy Federal Credit Union and Victory Mortgage scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 in Missouri, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Missouri: Rocket Mortgage (#7) and Flat Branch Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Missouri

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By Institution Type

Banks Credit Unions Mortgage Companies

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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 CompanyDirect	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,466Fees	0.402%Above	6,598
2	U.S. Bank National Association BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$715Fees	0.217%Above	1,525
3	Stifel Bank and Trust BankDirect	Strong	Strong	Strong	Strong	Exceptional	$281Fees	0.060%Below	1,033
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$1,693Fees	0.358%Above	3,245
5	First State Bank of St. Charles, Missouri BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,437Fees	0.124%Above	1,157
6	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$520Fees	0.463%Below	577
7	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,557Fees	0.444%Above	4,984
8	The Central Trust Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,140Fees	0.355%Above	2,384
9	COMMUNITYAMERICA CREDIT UNION Credit UnionDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,220Fees	0.178%Above	1,333
10	VICTORY MORTGAGE, L.L.C. Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Strong	Strong	$658Fees	0.143%Above	164
11	GERSHMAN INVESTMENT CORP. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,357Fees	0.524%Above	1,424
12	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,489Fees	0.027%Below	472
13	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$482Fees	0.229%Above	273
14	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,720Fees	0.186%Above	661
15	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Strong	$363Fees	0.078%Below	500
16	Great Southern Bank BankDirect	Strong	Strong	Strong	Strong	Exceptional	$924Fees	0.094%Above	461
17	Oakstar Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$899Fees	0.205%Above	401
18	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,213Fees	0.521%Above	3,817
19	HNB National Bank BankDirect	Strong	Strong	Strong	Exceptional	Strong	$466Fees	0.094%Above	207
20	DAS Acquisition Company, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,004Fees	0.653%Above	3,012
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,123Fees	0.422%Above	1,909
22	COMMUNITY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	Exceptional	$1,670Fees	0.128%Above	728
23	First State Community Bank BankDirect	Strong	Strong	Strong	Sound	Exceptional	$1,071Fees	0.031%Above	592
24	Carrollton Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$872Fees	0.256%Above	323
25	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,246Fees	0.288%Above	1,293
26	Arvest Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,475Fees	0.328%Above	1,046
27	First Bank BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,280Fees	0.156%Above	547
28	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,220Fees	0.374%Above	453
29	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,162Fees	0.138%Above	338
30	ASSEMBLIES OF GOD Credit Union Credit UnionDirect	Strong	Sound	Strong	Exceptional	Strong	$1,093Fees	0.201%Above	266
31	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$1,745Fees	0.446%Above	646
32	Bell Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,943Fees	0.371%Above	310
33	Nations Lending Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,301Fees	0.649%Above	224
34	Guaranty Bank BankDirect	Strong	Strong	Sound	Strong	Strong	$826Fees	0.177%Above	194
35	MISSOURI Credit Union Credit UnionDirect	Strong	Exceptional	Strong	Sound	Strong	$646Fees	0.032%Above	188
36	THOMPSON KANE & COMPANY, INC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	Strong	$1,552Fees	0.321%Above	163
37	Midwest BankCentre BankDirect	Strong	Exceptional	Sound	Sound	Strong	$587Fees	0.003%Above	289
38	The Bank of Missouri BankDirect	Strong	Sound	Strong	Strong	Strong	$935Fees	0.183%Above	263
39	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,016Fees	0.476%Above	241
40	Cadence Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,304Fees	0.258%Above	175
41	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,106Fees	0.634%Above	1,932
42	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,918Fees	0.045%Below	746
43	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,911Fees	0.352%Above	579
44	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Strong	$1,388Fees	0.191%Above	312
45	DELMAR FINANCIAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$1,237Fees	0.334%Above	585
46	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,889Fees	0.552%Above	446
47	Regions Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,432Fees	0.384%Above	406
48	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,816Fees	0.314%Above	252
49	Commerce Bank BankDirect	Strong	Sound	Strong	Sound	Exceptional	$281Fees	0.337%Above	634
50	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$1,781Fees	0.448%Above	553

❓ Frequently Asked Questions

How are mortgage lenders ranked in Missouri?+

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.

What is the Safe Rate Score?+

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.

How many mortgage lenders are active in Missouri?+

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.

What does the rate spread tell me about a lender in Missouri?+

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.

What is HMDA data and why does Safe Rate use it?+

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.

Does Safe Rate accept payment from lenders to appear in 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.

What is the difference between a bank, credit union, and independent mortgage company?+

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.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ 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.