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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 Company Lenders in Missouri

Updated February 6, 2026

Market Overview

Total Lenders

74,144

Total Loans

0.36%

Median Rate Spread

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

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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