# Best FHA Mortgage Lenders in Missouri

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

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

> **Canonical URL:** https://saferate.com/missouri/best-mortgage-lenders/fha-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 | First State Bank of St. Charles, Missouri | 89 | 67 | 87 | 1,157 | Bank |
| 2 | Stifel Bank and Trust | 89 | 94 | 73 | 1,033 | Bank |
| 3 | COMMUNITY MORTGAGE, LLC | 89 | 73 | 85 | 728 | Independent Mortgage Company |
| 4 | Great Southern Bank | 89 | 90 | 73 | 461 | Bank |
| 5 | FLAT BRANCH MORTGAGE, INC. | 88 | 43 | 85 | 6,598 | Independent Mortgage Company |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 3,245 | Independent Mortgage Company |
| 7 | COMMUNITYAMERICA CREDIT UNION | 85 | 70 | 62 | 1,333 | Credit Union |
| 8 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 707 | Independent Mortgage Company |
| 9 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 579 | Independent Mortgage Company |
| 10 | First Bank | 85 | 65 | 72 | 547 | Bank |
| 11 | Midwest BankCentre | 85 | 91 | 69 | 289 | Bank |
| 12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 241 | Independent Mortgage Company |
| 13 | Cadence Bank | 85 | 71 | 69 | 175 | Bank |
| 14 | VICTORY MORTGAGE, L.L.C. | 85 | 85 | 74 | 164 | Independent Mortgage Company |
| 15 | The Central Trust Bank | 83 | 59 | 71 | 2,384 | Bank |
| 16 | U.S. Bank National Association | 83 | 65 | 60 | 1,525 | Bank |
| 17 | GERSHMAN INVESTMENT CORP. | 83 | 60 | 76 | 1,424 | Independent Mortgage Company |
| 18 | Arvest Bank | 83 | 59 | 71 | 1,046 | Bank |
| 19 | Carrollton Bank | 80 | 77 | 62 | 323 | Bank |
| 20 | Guaranty Bank | 80 | 72 | 73 | 194 | Bank |
| 21 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 4,984 | Independent Mortgage Company |
| 22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 1,909 | Independent Mortgage Company |
| 23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 80 | 22 | 82 | 1,293 | Independent Mortgage Company |
| 24 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 746 | Independent Mortgage Company |
| 25 | Flagstar Bank, N.A. | 79 | 58 | 71 | 646 | Bank |
| 26 | NBKC BANK | 79 | 88 | 54 | 500 | Bank |
| 27 | JLB CORPORATION | 79 | 58 | 86 | 486 | Independent Mortgage Company |
| 28 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 453 | Independent Mortgage Company |
| 29 | ASSEMBLIES OF GOD Credit Union | 79 | 85 | 79 | 266 | Credit Union |
| 30 | UMB Bank, National Association | 79 | 81 | 59 | 208 | Bank |
| 31 | Plains Commerce Bank | 79 | 47 | 66 | 189 | Bank |
| 32 | GoodLeap, LLC | 79 | 62 | 58 | 186 | Independent Mortgage Company |
| 33 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 3,817 | Independent Mortgage Company |
| 34 | Nations Lending Corporation | 75 | 27 | 83 | 224 | Independent Mortgage Company |
| 35 | DELMAR FINANCIAL COMPANY | 74 | 41 | 73 | 585 | Independent Mortgage Company |
| 36 | Paramount Bank | 74 | 61 | 50 | 231 | Bank |
| 37 | Commerce Bank | 73 | 51 | 42 | 634 | Bank |
| 38 | NEWREZ LLC | 73 | 52 | 56 | 553 | Independent Mortgage Company |
| 39 | Regions Bank | 73 | 60 | 59 | 406 | Bank |
| 40 | Hawthorn Bank | 73 | 92 | 49 | 175 | Bank |
| 41 | GUARANTEED RATE AFFINITY, LLC | 71 | 33 | 63 | 525 | Independent Mortgage Company |
| 42 | Bell Bank | 71 | 36 | 80 | 310 | Bank |
| 43 | FAMILY FINANCE MORTGAGE, LLC | 71 | 35 | 84 | 275 | Independent Mortgage Company |
| 44 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 252 | Independent Mortgage Company |
| 45 | Gateway First Bank | 71 | 35 | 77 | 241 | Bank |
| 46 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 227 | Independent Mortgage Company |
| 47 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 38 | 79 | 218 | Independent Mortgage Company |
| 48 | Equity Prime Mortgage LLC | 71 | 22 | 63 | 184 | Independent Mortgage Company |
| 49 | LOWER, LLC | 71 | 29 | 66 | 178 | Independent Mortgage Company |
| 50 | THOMPSON KANE & COMPANY, INC | 71 | 35 | 85 | 163 | Independent Mortgage Company |

## 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.