# Best USDA Mortgage Lenders in Missouri

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

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

> **Canonical URL:** https://saferate.com/missouri/best-mortgage-lenders/usda-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 | GUILD MORTGAGE COMPANY LLC | 89 | 71 | 78 | 3,817 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 3,245 | Independent Mortgage Company |
| 3 | GERSHMAN INVESTMENT CORP. | 89 | 68 | 70 | 1,424 | Independent Mortgage Company |
| 4 | COMMUNITY MORTGAGE, LLC | 89 | 74 | 83 | 728 | Independent Mortgage Company |
| 5 | Midwest Mortgage Associates Corporation | 89 | 86 | 76 | 440 | Independent Mortgage Company |
| 6 | First State Bank of St. Charles, Missouri | 85 | 66 | 70 | 1,157 | Bank |
| 7 | NEWREZ LLC | 85 | 65 | 69 | 553 | Independent Mortgage Company |
| 8 | FLAT BRANCH MORTGAGE, INC. | 83 | 56 | 78 | 6,598 | Independent Mortgage Company |
| 9 | The Central Trust Bank | 83 | 57 | 71 | 2,384 | Bank |
| 10 | U.S. Bank National Association | 83 | 61 | 53 | 1,525 | Bank |
| 11 | First State Community Bank | 83 | 89 | 43 | 592 | Bank |
| 12 | Great Southern Bank | 79 | 76 | 59 | 461 | Bank |
| 13 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 60 | 227 | Independent Mortgage Company |
| 14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 77 | 1,293 | Independent Mortgage Company |
| 15 | Arvest Bank | 75 | 27 | 61 | 1,046 | Bank |
| 16 | LEADERONE FINANCIAL CORPORATION | 75 | 24 | 70 | 786 | Independent Mortgage Company |
| 17 | GENEVA FINANCIAL, LLC | 75 | 21 | 86 | 443 | Independent Mortgage Company |
| 18 | Oakstar Bank | 74 | 69 | 76 | 401 | Bank |
| 19 | THOMPSON KANE & COMPANY, INC | 74 | 56 | 70 | 163 | Independent Mortgage Company |
| 20 | Flagstar Bank, N.A. | 73 | 41 | 58 | 646 | Bank |
| 21 | GUARANTEED RATE, INC. | 71 | 34 | 67 | 252 | Independent Mortgage Company |
| 22 | Gateway First Bank | 71 | 32 | 72 | 241 | Bank |
| 23 | Equity Prime Mortgage LLC | 71 | 37 | 72 | 184 | Independent Mortgage Company |
| 24 | LOWER, LLC | 71 | 36 | 69 | 178 | Independent Mortgage Company |
| 25 | Mortgage Research Center, LLC | 70 | 34 | 47 | 2,112 | Independent Mortgage Company |
| 26 | Southern Bank | 69 | 52 | 57 | 297 | Bank |
| 27 | Hawthorn Bank | 69 | 79 | 46 | 175 | Bank |
| 28 | Regions Bank | 66 | 32 | 57 | 406 | Bank |
| 29 | DAS Acquisition Company, LLC | 63 | 10 | 73 | 3,012 | Independent Mortgage Company |
| 30 | NEW AMERICAN FUNDING, LLC | 63 | 5 | 62 | 1,932 | Independent Mortgage Company |
| 31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 63 | 17 | 73 | 1,909 | Independent Mortgage Company |
| 32 | FIRST INTEGRITY MORTGAGE SERVICES, INC. | 63 | 33 | 63 | 165 | Independent Mortgage Company |
| 33 | AMERICAN PACIFIC MORTGAGE CORPORATION | 60 | 8 | 77 | 474 | Independent Mortgage Company |
| 34 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 7 | 70 | 446 | Independent Mortgage Company |
| 35 | Flanagan State Bank | 60 | 19 | 72 | 274 | Bank |
| 36 | Click n' Close, Inc. | 56 | 1 | 59 | 359 | Independent Mortgage Company |
| 37 | UNION HOME MORTGAGE CORP. | 56 | 15 | 68 | 153 | Independent Mortgage Company |
| 38 | DELMAR FINANCIAL COMPANY | 53 | 34 | 27 | 585 | Independent Mortgage Company |

## 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.