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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 Jumbo 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 | Exceptional | Exceptional | Strong | Exceptional | $715 | +0.217% | 1,525 | |
2 | Stifel Bank and Trust | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $281 | -0.060% | 1,033 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,489 | -0.027% | 472 | |
4 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,162 | +0.138% | 338 | |
5 | UMB Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $735 | +0.082% | 208 | |
6 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $1,466 | +0.402% | 6,598 | |
7 | COMMUNITYAMERICA CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,220 | +0.178% | 1,333 | |
8 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,557 | +0.444% | 4,984 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,693 | +0.358% | 3,245 | |
10 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,140 | +0.355% | 2,384 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,246 | +0.288% | 1,293 | |
12 | First State Bank of St. Charles, Missouri | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,437 | +0.124% | 1,157 | |
13 | Commerce Bank | Exceptional | Strong | Strong | Sound | Exceptional | $281 | +0.337% | 634 | |
14 | Great Southern Bank | Exceptional | Strong | — | Strong | Exceptional | $924 | +0.094% | 461 | |
15 | TOGETHER CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $813 | +0.017% | 362 | |
16 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Strong | $872 | +0.256% | 323 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,918 | -0.045% | 746 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,720 | +0.186% | 661 | |
19 | Regions Bank | Strong | Sound | Exceptional | Strong | Strong | $1,432 | +0.384% | 406 | |
20 | Oakstar Bank | Strong | Strong | Sound | Strong | Strong | $899 | +0.205% | 401 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,213 | +0.521% | 3,817 | |
22 | DAS Acquisition Company, LLC | Strong | Sound | Strong | Sound | Exceptional | $2,004 | +0.653% | 3,012 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,123 | +0.422% | 1,909 | |
24 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,475 | +0.328% | 1,046 | |
25 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,489 | +0.411% | 525 | |
26 | First Federal Bank of Kansas City | Strong | Sound | Strong | Strong | Strong | $1,423 | +0.422% | 150 | |
27 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,106 | +0.634% | 1,932 | |
28 | The Bank of Missouri | Strong | Sound | — | Sound | Strong | $935 | +0.183% | 263 | |
29 | First Bank | Strong | Mediocre | Strong | Strong | Exceptional | $1,280 | +0.156% | 547 | |
30 | Cadence Bank | Strong | Mediocre | Exceptional | Strong | Strong | $1,304 | +0.258% | 175 | |
31 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $1,745 | +0.446% | 646 | |
32 | Ozarks Federal Savings and Loan Association | Sound | Acceptable | — | Sound | Strong | $545 | +0.212% | 172 |
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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