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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 Mortgage Company Lenders in Missouri
Updated February 6, 2026
Market Overview
49
Total Lenders
48,694
Total Loans
0.51%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | $658 | +0.143% | 164 | |
2 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | $1,670 | +0.128% | 728 | |
3 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,466 | +0.402% | 6,598 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,693 | +0.358% | 3,245 | |
5 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Exceptional | $1,357 | +0.524% | 1,424 | |
6 | JLB CORPORATION | Strong | Sound | Exceptional | Strong | $3,694 | +0.344% | 486 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,016 | +0.476% | 241 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,557 | +0.444% | 4,984 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,213 | +0.521% | 3,817 | |
10 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,004 | +0.653% | 3,012 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,123 | +0.422% | 1,909 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $2,246 | +0.288% | 1,293 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,918 | -0.045% | 746 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,020 | +0.580% | 707 | |
15 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | $1,237 | +0.334% | 585 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,220 | +0.374% | 453 | |
17 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,816 | +0.314% | 252 | |
18 | THOMPSON KANE & COMPANY, INC | Strong | Sound | Strong | Strong | $1,552 | +0.321% | 163 | |
19 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,671 | +0.488% | 2,112 | |
20 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,744 | +0.611% | 786 | |
21 | Midwest Mortgage Associates Corporation | Strong | Sound | Sound | Strong | $1,290 | +0.345% | 440 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,388 | +0.191% | 312 | |
23 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,301 | +0.649% | 224 | |
24 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $2,886 | +0.453% | 218 | |
25 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $2,790 | -0.182% | 186 | |
26 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $2,106 | +0.634% | 1,932 | |
27 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,911 | +0.352% | 579 | |
28 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,489 | +0.411% | 525 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,529 | +0.481% | 518 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,889 | +0.552% | 446 | |
31 | FAMILY FINANCE MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $1,707 | +0.685% | 275 | |
32 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $1,409 | +0.564% | 227 | |
33 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $2,886 | +1.174% | 184 | |
34 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $1,675 | +0.505% | 178 | |
35 | FIRST INTEGRITY MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | $1,791 | +0.551% | 165 | |
36 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,106 | +0.578% | 154 | |
37 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,493 | +0.491% | 153 | |
38 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,781 | +0.448% | 553 | |
39 | ENDEAVOR CAPITAL, LLC. | Sound | Acceptable | Sound | Strong | $2,297 | +0.411% | 531 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $1,872 | +0.508% | 474 | |
41 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Strong | $2,925 | +0.660% | 443 | |
42 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $2,861 | +0.582% | 266 | |
43 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $2,424 | +0.878% | 251 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,343 | +0.396% | 182 | |
45 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | $3,247 | +1.149% | 201 | |
46 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $3,373 | +0.322% | 171 | |
47 | Click n' Close, Inc. | Sound | Mediocre | Sound | Strong | $5,629 | +1.729% | 359 | |
48 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Strong | $3,095 | +0.700% | 200 | |
49 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Strong | $3,622 | +1.314% | 194 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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