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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 FHA 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 | Stifel Bank and Trust | Exceptional | Exceptional | Strong | Strong | Exceptional | $281 | -0.060% | 1,033 | |
2 | Great Southern Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $924 | +0.094% | 461 | |
3 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,437 | +0.124% | 1,157 | |
4 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,670 | +0.128% | 728 | |
5 | Midwest BankCentre | Exceptional | Exceptional | Strong | Strong | Strong | $587 | +0.003% | 289 | |
6 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $658 | +0.143% | 164 | |
7 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,466 | +0.402% | 6,598 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,693 | +0.358% | 3,245 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $715 | +0.217% | 1,525 | |
10 | COMMUNITYAMERICA CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,220 | +0.178% | 1,333 | |
11 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,020 | +0.580% | 707 | |
12 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,911 | +0.352% | 579 | |
13 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,280 | +0.156% | 547 | |
14 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $363 | -0.078% | 500 | |
15 | ASSEMBLIES OF GOD Credit Union | Exceptional | Exceptional | Sound | Strong | Strong | $1,093 | +0.201% | 266 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,016 | +0.476% | 241 | |
17 | UMB Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $735 | +0.082% | 208 | |
18 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,304 | +0.258% | 175 | |
19 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,140 | +0.355% | 2,384 | |
20 | GERSHMAN INVESTMENT CORP. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,357 | +0.524% | 1,424 | |
21 | Arvest Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,475 | +0.328% | 1,046 | |
22 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,918 | -0.045% | 746 | |
23 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Strong | $872 | +0.256% | 323 | |
24 | Guaranty Bank | Exceptional | Strong | Strong | Strong | Strong | $826 | +0.177% | 194 | |
25 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,790 | -0.182% | 186 | |
26 | Hawthorn Bank | Exceptional | Exceptional | Sound | Sound | Strong | $1,073 | +0.076% | 175 | |
27 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,557 | +0.444% | 4,984 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,123 | +0.422% | 1,909 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,246 | +0.288% | 1,293 | |
30 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,745 | +0.446% | 646 | |
31 | JLB CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $3,694 | +0.344% | 486 | |
32 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,220 | +0.374% | 453 | |
33 | Paramount Bank | Strong | Strong | Strong | Sound | Strong | $1,557 | +0.278% | 231 | |
34 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,893 | +0.449% | 189 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,213 | +0.521% | 3,817 | |
36 | Commerce Bank | Strong | Sound | Strong | Sound | Exceptional | $281 | +0.337% | 634 | |
37 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $1,237 | +0.334% | 585 | |
38 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,781 | +0.448% | 553 | |
39 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,432 | +0.384% | 406 | |
40 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,301 | +0.649% | 224 | |
41 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,489 | +0.411% | 525 | |
42 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,943 | +0.371% | 310 | |
43 | FAMILY FINANCE MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $1,707 | +0.685% | 275 | |
44 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,816 | +0.314% | 252 | |
45 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,581 | +0.553% | 241 | |
46 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,409 | +0.564% | 227 | |
47 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,886 | +0.453% | 218 | |
48 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,886 | +1.174% | 184 | |
49 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,675 | +0.505% | 178 | |
50 | THOMPSON KANE & COMPANY, INC | Strong | Acceptable | Strong | Exceptional | Strong | $1,552 | +0.321% | 163 |
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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