# Best Conventional Mortgage Lenders in Missouri

**As of:** 2026-05-23

Compare the top Conventional mortgage lenders in Missouri. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/missouri/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 254
- **Total Loans:** 74,144
- **Median Rate Spread:** 0.35575303643724693%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | U.S. Bank National Association | 89 | 75 | 69 | 1,525 | Bank |
| 2 | FLAT BRANCH MORTGAGE, INC. | 88 | 59 | 84 | 6,598 | Independent Mortgage Company |
| 3 | First State Bank of St. Charles, Missouri | 85 | 66 | 79 | 1,157 | Bank |
| 4 | Stifel Bank and Trust | 85 | 78 | 74 | 1,033 | Bank |
| 5 | COMMUNITY MORTGAGE, LLC | 85 | 66 | 68 | 728 | Independent Mortgage Company |
| 6 | First Bank | 85 | 64 | 64 | 547 | Bank |
| 7 | Bank of America, National Association | 85 | 71 | 67 | 472 | Bank |
| 8 | Great Southern Bank | 85 | 75 | 68 | 461 | Bank |
| 9 | Truist Bank | 85 | 71 | 69 | 273 | Bank |
| 10 | HNB National Bank | 85 | 70 | 81 | 207 | Bank |
| 11 | VICTORY MORTGAGE, L.L.C. | 85 | 92 | 67 | 164 | Independent Mortgage Company |
| 12 | The Central Trust Bank | 83 | 47 | 72 | 2,384 | Bank |
| 13 | GERSHMAN INVESTMENT CORP. | 83 | 53 | 74 | 1,424 | Independent Mortgage Company |
| 14 | COMMUNITYAMERICA CREDIT UNION | 83 | 57 | 71 | 1,333 | Credit Union |
| 15 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 577 | Credit Union |
| 16 | Oakstar Bank | 80 | 70 | 75 | 401 | Bank |
| 17 | Carrollton Bank | 80 | 71 | 66 | 323 | Bank |
| 18 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 4,984 | Independent Mortgage Company |
| 19 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 3,245 | Independent Mortgage Company |
| 20 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 661 | Bank |
| 21 | First State Community Bank | 79 | 64 | 60 | 592 | Bank |
| 22 | NBKC BANK | 79 | 90 | 49 | 500 | Bank |
| 23 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 453 | Independent Mortgage Company |
| 24 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 338 | Bank |
| 25 | ASSEMBLIES OF GOD Credit Union | 79 | 57 | 81 | 266 | Credit Union |
| 26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 40 | 74 | 241 | Independent Mortgage Company |
| 27 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 63 | 227 | Independent Mortgage Company |
| 28 | MISSOURI Credit Union | 79 | 92 | 44 | 188 | Credit Union |
| 29 | Cadence Bank | 79 | 48 | 71 | 175 | Bank |
| 30 | THOMPSON KANE & COMPANY, INC | 79 | 46 | 83 | 163 | Independent Mortgage Company |
| 31 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 3,817 | Independent Mortgage Company |
| 32 | DAS Acquisition Company, LLC | 75 | 29 | 75 | 3,012 | Independent Mortgage Company |
| 33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 1,909 | Independent Mortgage Company |
| 34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 26 | 76 | 1,293 | Independent Mortgage Company |
| 35 | Arvest Bank | 75 | 37 | 68 | 1,046 | Bank |
| 36 | LEADERONE FINANCIAL CORPORATION | 75 | 24 | 66 | 786 | Independent Mortgage Company |
| 37 | Nations Lending Corporation | 75 | 33 | 86 | 224 | Independent Mortgage Company |
| 38 | DELMAR FINANCIAL COMPANY | 74 | 48 | 60 | 585 | Independent Mortgage Company |
| 39 | MUTUAL OF OMAHA MORTGAGE, INC. | 74 | 65 | 55 | 312 | Independent Mortgage Company |
| 40 | Southern Bank | 74 | 53 | 63 | 297 | Bank |
| 41 | The Bank of Missouri | 74 | 50 | 73 | 263 | Bank |
| 42 | Guaranty Bank | 74 | 77 | 68 | 194 | Bank |
| 43 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 746 | Independent Mortgage Company |
| 44 | Commerce Bank | 73 | 54 | 49 | 634 | Bank |
| 45 | Midwest BankCentre | 73 | 80 | 59 | 289 | Bank |
| 46 | Flagstar Bank, N.A. | 71 | 34 | 72 | 646 | Bank |
| 47 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 579 | Independent Mortgage Company |
| 48 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 518 | Independent Mortgage Company |
| 49 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 446 | Independent Mortgage Company |
| 50 | Regions Bank | 71 | 39 | 64 | 406 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Missouri.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.