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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 USDA 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 | Midwest Mortgage Associates Corporation | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,290 | +0.345% | 440 | |
2 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,213 | +0.521% | 3,817 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,693 | +0.358% | 3,245 | |
4 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,357 | +0.524% | 1,424 | |
5 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,670 | +0.128% | 728 | |
6 | First State Community Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,071 | +0.031% | 592 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $715 | +0.217% | 1,525 | |
8 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Strong | Exceptional | $1,437 | +0.124% | 1,157 | |
9 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,781 | +0.448% | 553 | |
10 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,466 | +0.402% | 6,598 | |
11 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,140 | +0.355% | 2,384 | |
12 | Great Southern Bank | Exceptional | Strong | Strong | Sound | Exceptional | $924 | +0.094% | 461 | |
13 | Oakstar Bank | Strong | Strong | — | Strong | Strong | $899 | +0.205% | 401 | |
14 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,409 | +0.564% | 227 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,246 | +0.288% | 1,293 | |
16 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,475 | +0.328% | 1,046 | |
17 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744 | +0.611% | 786 | |
18 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Sound | Strong | $1,745 | +0.446% | 646 | |
19 | GENEVA FINANCIAL, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,925 | +0.660% | 443 | |
20 | Hawthorn Bank | Strong | Strong | — | Sound | Strong | $1,073 | +0.076% | 175 | |
21 | THOMPSON KANE & COMPANY, INC | Strong | Sound | Strong | Strong | Strong | $1,552 | +0.321% | 163 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,671 | +0.488% | 2,112 | |
23 | Southern Bank | Strong | Sound | Strong | Sound | Strong | $568 | +0.363% | 297 | |
24 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,816 | +0.314% | 252 | |
25 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,581 | +0.553% | 241 | |
26 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,886 | +1.174% | 184 | |
27 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,675 | +0.505% | 178 | |
28 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,004 | +0.653% | 3,012 | |
29 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,106 | +0.634% | 1,932 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,123 | +0.422% | 1,909 | |
31 | Regions Bank | Strong | Acceptable | Exceptional | Sound | Strong | $1,432 | +0.384% | 406 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $1,872 | +0.508% | 474 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,889 | +0.552% | 446 | |
34 | Flanagan State Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,671 | +0.750% | 274 | |
35 | FIRST INTEGRITY MORTGAGE SERVICES, INC. | Strong | Acceptable | — | Strong | Strong | $1,791 | +0.551% | 165 | |
36 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $5,629 | +1.729% | 359 | |
37 | UNION HOME MORTGAGE CORP. | Sound | Mediocre | Exceptional | Strong | Sound | $2,493 | +0.491% | 153 | |
38 | DELMAR FINANCIAL COMPANY | Sound | Acceptable | Sound | Acceptable | Strong | $1,237 | +0.334% | 585 |
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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