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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $715 | +0.217% | 1,525 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $520 | -0.463% | 577 | |
3 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $658 | +0.143% | 164 | |
4 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,466 | +0.402% | 6,598 | |
5 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Strong | Exceptional | $1,437 | +0.124% | 1,157 | |
6 | Stifel Bank and Trust | Exceptional | Strong | Strong | Strong | Exceptional | $281 | -0.060% | 1,033 | |
7 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,670 | +0.128% | 728 | |
8 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,280 | +0.156% | 547 | |
9 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $363 | -0.078% | 500 | |
10 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,489 | -0.027% | 472 | |
11 | Great Southern Bank | Exceptional | Strong | Strong | Strong | Exceptional | $924 | +0.094% | 461 | |
12 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $482 | +0.229% | 273 | |
13 | HNB National Bank | Exceptional | Strong | Strong | Exceptional | Strong | $466 | +0.094% | 207 | |
14 | MISSOURI Credit Union | Exceptional | Exceptional | Strong | Sound | Strong | $646 | +0.032% | 188 | |
15 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,140 | +0.355% | 2,384 | |
16 | GERSHMAN INVESTMENT CORP. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,357 | +0.524% | 1,424 | |
17 | COMMUNITYAMERICA CREDIT UNION | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,220 | +0.178% | 1,333 | |
18 | First State Community Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,071 | +0.031% | 592 | |
19 | Oakstar Bank | Exceptional | Strong | Strong | Strong | Strong | $899 | +0.205% | 401 | |
20 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,162 | +0.138% | 338 | |
21 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Strong | $872 | +0.256% | 323 | |
22 | Midwest BankCentre | Exceptional | Exceptional | Sound | Sound | Strong | $587 | +0.003% | 289 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,557 | +0.444% | 4,984 | |
24 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,693 | +0.358% | 3,245 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,720 | +0.186% | 661 | |
26 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,220 | +0.374% | 453 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,388 | +0.191% | 312 | |
28 | ASSEMBLIES OF GOD Credit Union | Strong | Sound | Strong | Exceptional | Strong | $1,093 | +0.201% | 266 | |
29 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,016 | +0.476% | 241 | |
30 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,409 | +0.564% | 227 | |
31 | Guaranty Bank | Strong | Strong | Sound | Strong | Strong | $826 | +0.177% | 194 | |
32 | Cadence Bank | Strong | Sound | Exceptional | Strong | Strong | $1,304 | +0.258% | 175 | |
33 | THOMPSON KANE & COMPANY, INC | Strong | Sound | Strong | Exceptional | Strong | $1,552 | +0.321% | 163 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,213 | +0.521% | 3,817 | |
35 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,004 | +0.653% | 3,012 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,123 | +0.422% | 1,909 | |
37 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,246 | +0.288% | 1,293 | |
38 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,475 | +0.328% | 1,046 | |
39 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744 | +0.611% | 786 | |
40 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,918 | -0.045% | 746 | |
41 | Commerce Bank | Strong | Sound | Strong | Sound | Exceptional | $281 | +0.337% | 634 | |
42 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $1,237 | +0.334% | 585 | |
43 | Southern Bank | Strong | Sound | Strong | Strong | Strong | $568 | +0.363% | 297 | |
44 | The Bank of Missouri | Strong | Sound | Strong | Strong | Strong | $935 | +0.183% | 263 | |
45 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,301 | +0.649% | 224 | |
46 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,745 | +0.446% | 646 | |
47 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,911 | +0.352% | 579 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,529 | +0.481% | 518 | |
49 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,889 | +0.552% | 446 | |
50 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,432 | +0.384% | 406 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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