# Best Jumbo Mortgage Lenders in Missouri

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

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

> **Canonical URL:** https://saferate.com/missouri/best-mortgage-lenders/jumbo-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 | 95 | 88 | 76 | 1,525 | Bank |
| 2 | Stifel Bank and Trust | 95 | 61 | 84 | 1,033 | Bank |
| 3 | Bank of America, National Association | 89 | 90 | 80 | 472 | Bank |
| 4 | Wells Fargo Bank, National Association | 89 | 87 | 63 | 338 | Bank |
| 5 | UMB Bank, National Association | 89 | 92 | 72 | 208 | Bank |
| 6 | FLAT BRANCH MORTGAGE, INC. | 85 | 69 | 71 | 6,598 | Independent Mortgage Company |
| 7 | COMMUNITYAMERICA CREDIT UNION | 85 | 65 | 74 | 1,333 | Credit Union |
| 8 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 4,984 | Independent Mortgage Company |
| 9 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 3,245 | Independent Mortgage Company |
| 10 | The Central Trust Bank | 83 | 49 | 72 | 2,384 | Bank |
| 11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 45 | 66 | 1,293 | Independent Mortgage Company |
| 12 | First State Bank of St. Charles, Missouri | 83 | 60 | 83 | 1,157 | Bank |
| 13 | TOGETHER CREDIT UNION | 80 | 68 | 69 | 362 | Credit Union |
| 14 | Carrollton Bank | 80 | 71 | 65 | 323 | Bank |
| 15 | PENNYMAC LOAN SERVICES, LLC | 79 | 55 | 66 | 746 | Independent Mortgage Company |
| 16 | JPMorgan Chase Bank, National Association | 79 | 49 | 64 | 661 | Bank |
| 17 | Commerce Bank | 79 | 68 | 53 | 634 | Bank |
| 18 | Great Southern Bank | 79 | 76 | 73 | 461 | Bank |
| 19 | Regions Bank | 79 | 48 | 68 | 406 | Bank |
| 20 | GUILD MORTGAGE COMPANY LLC | 75 | 32 | 66 | 3,817 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 30 | 63 | 1,909 | Independent Mortgage Company |
| 22 | Arvest Bank | 75 | 25 | 69 | 1,046 | Bank |
| 23 | Oakstar Bank | 74 | 69 | 76 | 401 | Bank |
| 24 | First Federal Bank of Kansas City | 74 | 40 | 65 | 150 | Bank |
| 25 | DAS Acquisition Company, LLC | 73 | 54 | 59 | 3,012 | Independent Mortgage Company |
| 26 | GUARANTEED RATE AFFINITY, LLC | 73 | 55 | 57 | 525 | Independent Mortgage Company |
| 27 | NEW AMERICAN FUNDING, LLC | 70 | 36 | 48 | 1,932 | Independent Mortgage Company |
| 28 | The Bank of Missouri | 64 | 49 | 54 | 263 | Bank |
| 29 | FIRST COMMUNITY | 60 | N/A | 75 | 642 | Credit Union |
| 30 | First Bank | 60 | 11 | 67 | 547 | Bank |
| 31 | Cadence Bank | 60 | 11 | 72 | 175 | Bank |
| 32 | Ozarks Federal Savings and Loan Association | 58 | 35 | 55 | 172 | Bank |
| 33 | Flagstar Bank, N.A. | 56 | 17 | 50 | 646 | 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.