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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Missouri
Updated February 6, 2026
Market Overview
254
Total Lenders
74,144
Total Loans
0.36%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Midwest BankCentre | Exceptional | Exceptional | Strong | Strong | $587 | +0.003% | 289 | |
2 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | $658 | +0.143% | 164 | |
3 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $715 | +0.217% | 1,525 | |
4 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | $1,437 | +0.124% | 1,157 | |
5 | Stifel Bank and Trust | Exceptional | Strong | Strong | Exceptional | $281 | -0.060% | 1,033 | |
6 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | $1,670 | +0.128% | 728 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $520 | -0.463% | 577 | |
8 | First Bank | Exceptional | Strong | Strong | Exceptional | $1,280 | +0.156% | 547 | |
9 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $363 | -0.078% | 500 | |
10 | Great Southern Bank | Exceptional | Strong | Strong | Exceptional | $924 | +0.094% | 461 | |
11 | MISSOURI Credit Union | Exceptional | Exceptional | Sound | Strong | $646 | +0.032% | 188 | |
12 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,466 | +0.402% | 6,598 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,693 | +0.358% | 3,245 | |
14 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,489 | -0.027% | 472 | |
15 | Oakstar Bank | Strong | Strong | Strong | Strong | $899 | +0.205% | 401 | |
16 | Carrollton Bank | Strong | Strong | Strong | Strong | $872 | +0.256% | 323 | |
17 | Truist Bank | Strong | Strong | Strong | Strong | $482 | +0.229% | 273 | |
18 | ASSEMBLIES OF GOD Credit Union | Strong | Strong | Strong | Strong | $1,093 | +0.201% | 266 | |
19 | HNB National Bank | Strong | Strong | Strong | Strong | $466 | +0.094% | 207 | |
20 | Guaranty Bank | Strong | Strong | Strong | Strong | $826 | +0.177% | 194 | |
21 | The Central Trust Bank | Strong | Sound | Strong | Exceptional | $1,140 | +0.355% | 2,384 | |
22 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Exceptional | $1,357 | +0.524% | 1,424 | |
23 | COMMUNITYAMERICA CREDIT UNION | Strong | Sound | Strong | Exceptional | $1,220 | +0.178% | 1,333 | |
24 | First State Community Bank | Strong | Strong | Acceptable | Exceptional | $1,071 | +0.031% | 592 | |
25 | JLB CORPORATION | Strong | Sound | Exceptional | Strong | $3,694 | +0.344% | 486 | |
26 | TOGETHER CREDIT UNION | Strong | Strong | Sound | Strong | $813 | +0.017% | 362 | |
27 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,162 | +0.138% | 338 | |
28 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,016 | +0.476% | 241 | |
29 | UMB Bank, National Association | Strong | Strong | Sound | Strong | $735 | +0.082% | 208 | |
30 | Hawthorn Bank | Strong | Strong | Sound | Strong | $1,073 | +0.076% | 175 | |
31 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,557 | +0.444% | 4,984 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,213 | +0.521% | 3,817 | |
33 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,004 | +0.653% | 3,012 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,123 | +0.422% | 1,909 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $2,246 | +0.288% | 1,293 | |
36 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,918 | -0.045% | 746 | |
37 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,020 | +0.580% | 707 | |
38 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,720 | +0.186% | 661 | |
39 | Commerce Bank | Strong | Sound | Sound | Exceptional | $281 | +0.337% | 634 | |
40 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | $1,237 | +0.334% | 585 | |
41 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,220 | +0.374% | 453 | |
42 | Regions Bank | Strong | Sound | Strong | Strong | $1,432 | +0.384% | 406 | |
43 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,816 | +0.314% | 252 | |
44 | Cadence Bank | Strong | Sound | Strong | Strong | $1,304 | +0.258% | 175 | |
45 | THOMPSON KANE & COMPANY, INC | Strong | Sound | Strong | Strong | $1,552 | +0.321% | 163 | |
46 | First Federal Bank of Kansas City | Strong | Sound | Strong | Strong | $1,423 | +0.422% | 150 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,671 | +0.488% | 2,112 | |
48 | Arvest Bank | Strong | Acceptable | Strong | Exceptional | $1,475 | +0.328% | 1,046 | |
49 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,744 | +0.611% | 786 | |
50 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $1,943 | +0.371% | 310 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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