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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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Exceptional | Sound* | Exceptional | Exceptional | Exceptional | $1,693Fees | 0.358%Above | 3,245 | |
2 | FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | Exceptional | $1,466Fees | 0.402%Above | 6,598 | |
3 | Stifel Bank and Trust BankDirect | Strong | Exceptional | Strong | Strong | Exceptional | $281Fees | 0.060%Below | 1,033 | |
4 | COMMUNITY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Strong | Strong | Exceptional | Exceptional | $1,670Fees | 0.128%Above | 728 | |
5 | First State Bank of St. Charles, Missouri BankDirect | Strong | Strong | Strong | Exceptional | Exceptional | $1,437Fees | 0.124%Above | 1,157 | |
6 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $3,557Fees | 0.444%Above | 4,984 | |
7 | GERSHMAN INVESTMENT CORP. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Exceptional | $1,357Fees | 0.524%Above | 1,424 | |
8 | Great Southern Bank BankDirect | Strong | Exceptional | Strong | Strong | Exceptional | $924Fees | 0.094%Above | 461 | |
9 | The Central Trust Bank BankDirect | Strong | Sound | Exceptional | Strong | Exceptional | $1,140Fees | 0.355%Above | 2,384 | |
10 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Sound | Strong | $1,918Fees | 0.045%Below | 746 | |
11 | JLB CORPORATION Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | Strong | $3,694Fees | 0.344%Above | 486 | |
12 | Midwest BankCentre BankDirect | Strong | Exceptional | Strong | Strong | Strong | $587Fees | 0.003%Above | 289 | |
13 | ASSEMBLIES OF GOD Credit Union Credit UnionDirect | Strong | Exceptional | Sound | Strong | Strong | $1,093Fees | 0.201%Above | 266 | |
14 | VICTORY MORTGAGE, L.L.C. Independent Mortgage CompanyDirect | Strong | Exceptional | Strong | Strong | Strong | $658Fees | 0.143%Above | 164 | |
15 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,213Fees | 0.521%Above | 3,817 | |
16 | Arvest Bank BankDirect | Strong | Sound | Exceptional | Strong | Exceptional | $1,475Fees | 0.328%Above | 1,046 | |
17 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Strong | Strong | $2,020Fees | 0.580%Above | 707 | |
18 | Flagstar Bank, N.A. BankDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $1,745Fees | 0.446%Above | 646 | |
19 | Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Strong | Strong | $1,911Fees | 0.352%Above | 579 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Strong | Strong | $1,016Fees | 0.476%Above | 241 | |
21 | U.S. Bank National Association BankDirect | Strong | Strong | Exceptional | Sound | Exceptional | $715Fees | 0.217%Above | 1,525 | |
22 | COMMUNITYAMERICA CREDIT UNION Credit UnionDirect | Strong | Strong | Strong | Strong | Exceptional | $1,220Fees | 0.178%Above | 1,333 | |
23 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $3,220Fees | 0.374%Above | 453 | |
24 | First Bank BankDirect | Strong | Strong | Strong | Strong | Exceptional | $1,280Fees | 0.156%Above | 547 | |
25 | NBKC BANK BankDirect | Strong | Exceptional | Strong | Sound | Strong | $363Fees | 0.078%Below | 500 | |
26 | Cadence Bank BankDirect | Strong | Strong | Exceptional | Strong | Strong | $1,304Fees | 0.258%Above | 175 | |
27 | DAS Acquisition Company, LLC Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $2,004Fees | 0.653%Above | 3,012 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,123Fees | 0.422%Above | 1,909 | |
29 | Carrollton Bank BankDirect | Strong | Strong | Strong | Strong | Strong | $872Fees | 0.256%Above | 323 | |
30 | Guaranty Bank BankDirect | Strong | Strong | Strong | Strong | Strong | $826Fees | 0.177%Above | 194 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,246Fees | 0.288%Above | 1,293 | |
32 | Regions Bank BankDirect | Strong | Sound | Exceptional | Sound | Strong | $1,432Fees | 0.384%Above | 406 | |
33 | UMB Bank, National Association BankDirect | Strong | Exceptional | Strong | Sound | Strong | $735Fees | 0.082%Above | 208 | |
34 | DELMAR FINANCIAL COMPANY Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | Strong | $1,237Fees | 0.334%Above | 585 | |
35 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Sound | Strong | $1,781Fees | 0.448%Above | 553 | |
36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $2,886Fees | 0.453%Above | 218 | |
37 | Hawthorn Bank BankDirect | Strong | Exceptional | Sound | Sound | Strong | $1,073Fees | 0.076%Above | 175 | |
38 | Midwest Mortgage Associates Corporation Independent Mortgage CompanyDirect | Strong | Sound | Strong | Sound | Strong | $1,290Fees | 0.345%Above | 440 | |
39 | Gateway First Bank BankDirect | Strong | Acceptable | Exceptional | Strong | Strong | $1,581Fees | 0.553%Above | 241 | |
40 | Plains Commerce Bank BankWholesale | Strong | Sound* | Exceptional | Strong | Strong | $1,893Fees | 0.449%Above | 189 | |
41 | GoodLeap, LLC Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Sound | Strong | $2,790Fees | 0.182%Below | 186 | |
42 | Bell Bank BankDirect | Strong | Acceptable | Exceptional | Strong | Strong | $1,943Fees | 0.371%Above | 310 | |
43 | Nations Lending Corporation Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,301Fees | 0.649%Above | 224 | |
44 | FAMILY FINANCE MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | Strong | $1,707Fees | 0.685%Above | 275 | |
45 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $1,816Fees | 0.314%Above | 252 | |
46 | THOMPSON KANE & COMPANY, INC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | Strong | $1,552Fees | 0.321%Above | 163 | |
47 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,671Fees | 0.488%Above | 2,112 | |
48 | NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,106Fees | 0.634%Above | 1,932 | |
49 | LEADERONE FINANCIAL CORPORATION Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,744Fees | 0.611%Above | 786 | |
50 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Sound | Strong | $1,720Fees | 0.186%Above | 661 |
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.