Safe Rate Rankings

Best Jumbo 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

Us Bank National Association is Safe Rate's top-ranked Jumbo lender in Missouri, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Missouri, Umb Bank National Association and Bank of America National Association scores highest on Jumbo pricing while Stifel Bank and Trust and First State Bank of St Charles Missouri leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 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 (#9) and Flat Branch Mortgage (#7).

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	U.S. Bank National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$715Fees	0.217%Above	1,525
2	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,489Fees	0.027%Below	472
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$1,693Fees	0.358%Above	3,245
4	Stifel Bank and Trust BankDirect	Strong	Strong	Exceptional	Exceptional	Exceptional	$281Fees	0.060%Below	1,033
5	Wells Fargo Bank, National Association BankDirect	Strong	Exceptional	Exceptional	Strong	Strong	$2,162Fees	0.138%Above	338
6	UMB Bank, National Association BankDirect	Strong	Exceptional	Exceptional	Strong	Strong	$735Fees	0.082%Above	208
7	FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	Exceptional	$1,466Fees	0.402%Above	6,598
8	COMMUNITYAMERICA CREDIT UNION Credit UnionDirect	Strong	Strong	Strong	Strong	Exceptional	$1,220Fees	0.178%Above	1,333
9	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,557Fees	0.444%Above	4,984
10	First State Bank of St. Charles, Missouri BankDirect	Strong	Sound	Strong	Exceptional	Exceptional	$1,437Fees	0.124%Above	1,157
11	The Central Trust Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,140Fees	0.355%Above	2,384
12	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,918Fees	0.045%Below	746
13	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,720Fees	0.186%Above	661
14	TOGETHER CREDIT UNION Credit UnionDirect	Strong	Strong	Strong	Strong	Strong	$813Fees	0.017%Above	362
15	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,213Fees	0.521%Above	3,817
16	DAS Acquisition Company, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Sound	Exceptional	$2,004Fees	0.653%Above	3,012
17	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,246Fees	0.288%Above	1,293
18	FIRST COMMUNITY Credit UnionDirect	Strong	—	Strong	Strong	Exceptional	$640Credit	0.008%Below	642
19	Commerce Bank BankDirect	Strong	Strong	Strong	Sound	Exceptional	$281Fees	0.337%Above	634
20	Great Southern Bank BankDirect	Strong	Strong	—	Strong	Exceptional	$924Fees	0.094%Above	461
21	Regions Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,432Fees	0.384%Above	406
22	Carrollton Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$872Fees	0.256%Above	323
23	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	Strong	$2,489Fees	0.411%Above	525
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,123Fees	0.422%Above	1,909
25	Arvest Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,475Fees	0.328%Above	1,046
26	Oakstar Bank BankDirect	Strong	Strong	Sound	Strong	Strong	$899Fees	0.205%Above	401
27	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,106Fees	0.634%Above	1,932
28	Cadence Bank BankDirect	Strong	Mediocre	Exceptional	Strong	Strong	$1,304Fees	0.258%Above	175
29	First Federal Bank of Kansas City BankDirect	Strong	Sound	Strong	Strong	Strong	$1,423Fees	0.422%Above	150
30	First Bank BankDirect	Sound	Mediocre	Strong	Strong	Exceptional	$1,280Fees	0.156%Above	547
31	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Mediocre*	Exceptional	Sound	Strong	$1,745Fees	0.446%Above	646
32	The Bank of Missouri BankDirect	Sound	Sound	—	Sound	Strong	$935Fees	0.183%Above	263
33	Ozarks Federal Savings and Loan Association BankDirect	Sound	Acceptable	—	Sound	Strong	$545Fees	0.212%Above	172

❓ 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.