🛡️
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 VA 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 | Stifel Bank and Trust | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $281 | -0.060% | 1,033 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,693 | +0.358% | 3,245 | |
3 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $363 | -0.078% | 500 | |
4 | Midwest BankCentre | Exceptional | Exceptional | Strong | Exceptional | Strong | $587 | +0.003% | 289 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $715 | +0.217% | 1,525 | |
6 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,357 | +0.524% | 1,424 | |
7 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,437 | +0.124% | 1,157 | |
8 | Arvest Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,475 | +0.328% | 1,046 | |
9 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,670 | +0.128% | 728 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $520 | -0.463% | 577 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,246 | +0.288% | 1,293 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,918 | -0.045% | 746 | |
13 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,020 | +0.580% | 707 | |
14 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,911 | +0.352% | 579 | |
15 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,280 | +0.156% | 547 | |
16 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,489 | +0.411% | 525 | |
17 | Great Southern Bank | Exceptional | Strong | Strong | Strong | Exceptional | $924 | +0.094% | 461 | |
18 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,816 | +0.314% | 252 | |
19 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,720 | +0.186% | 661 | |
20 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,498 | -0.115% | 327 | |
21 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Strong | $872 | +0.256% | 323 | |
22 | Bell Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,943 | +0.371% | 310 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,016 | +0.476% | 241 | |
24 | VICTORY MORTGAGE, L.L.C. | Exceptional | Strong | Strong | Strong | Strong | $658 | +0.143% | 164 | |
25 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,466 | +0.402% | 6,598 | |
26 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,557 | +0.444% | 4,984 | |
27 | The Central Trust Bank | Strong | Sound | Strong | Strong | Exceptional | $1,140 | +0.355% | 2,384 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,123 | +0.422% | 1,909 | |
29 | COMMUNITYAMERICA CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $1,220 | +0.178% | 1,333 | |
30 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,745 | +0.446% | 646 | |
31 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,781 | +0.448% | 553 | |
32 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,220 | +0.374% | 453 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,388 | +0.191% | 312 | |
34 | ASSEMBLIES OF GOD Credit Union | Strong | Strong | — | Strong | Strong | $1,093 | +0.201% | 266 | |
35 | Gateway First Bank | Strong | Sound | Exceptional | Strong | Strong | $1,581 | +0.553% | 241 | |
36 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,409 | +0.564% | 227 | |
37 | Guaranty Bank | Strong | Strong | — | Strong | Strong | $826 | +0.177% | 194 | |
38 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,893 | +0.449% | 189 | |
39 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,213 | +0.521% | 3,817 | |
40 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,004 | +0.653% | 3,012 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,671 | +0.488% | 2,112 | |
42 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $1,237 | +0.334% | 585 | |
43 | Midwest Mortgage Associates Corporation | Strong | Sound | Strong | Strong | Strong | $1,290 | +0.345% | 440 | |
44 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,162 | +0.138% | 338 | |
45 | Flanagan State Bank | Strong | Sound | Strong | Strong | Strong | $2,671 | +0.750% | 274 | |
46 | Paramount Bank | Strong | Sound | Strong | Strong | Strong | $1,557 | +0.278% | 231 | |
47 | Cadence Bank | Strong | Sound | Strong | Strong | Strong | $1,304 | +0.258% | 175 | |
48 | THOMPSON KANE & COMPANY, INC | Strong | Sound | Strong | Strong | Strong | $1,552 | +0.321% | 163 | |
49 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,529 | +0.481% | 518 | |
50 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,889 | +0.552% | 446 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
MissouriVA
No credit impact
3-minute process
100% free