# Best VA Mortgage Lenders in Missouri

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

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

> **Canonical URL:** https://saferate.com/missouri/best-mortgage-lenders/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 3,245 | Independent Mortgage Company |
| 2 | Stifel Bank and Trust | 95 | 86 | 84 | 1,033 | Bank |
| 3 | U.S. Bank National Association | 89 | 71 | 65 | 1,525 | Bank |
| 4 | GERSHMAN INVESTMENT CORP. | 89 | 65 | 77 | 1,424 | Independent Mortgage Company |
| 5 | First State Bank of St. Charles, Missouri | 89 | 63 | 89 | 1,157 | Bank |
| 6 | Arvest Bank | 89 | 65 | 66 | 1,046 | Bank |
| 7 | COMMUNITY MORTGAGE, LLC | 89 | 72 | 88 | 728 | Independent Mortgage Company |
| 8 | NBKC BANK | 89 | 91 | 75 | 500 | Bank |
| 9 | Midwest BankCentre | 89 | 80 | 83 | 289 | Bank |
| 10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 88 | 48 | 82 | 1,293 | Independent Mortgage Company |
| 11 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 746 | Independent Mortgage Company |
| 12 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 707 | Independent Mortgage Company |
| 13 | Prosperity Home Mortgage, LLC | 85 | 64 | 73 | 579 | Independent Mortgage Company |
| 14 | First Bank | 85 | 68 | 80 | 547 | Bank |
| 15 | GUARANTEED RATE AFFINITY, LLC | 85 | 65 | 72 | 525 | Independent Mortgage Company |
| 16 | Great Southern Bank | 85 | 79 | 80 | 461 | Bank |
| 17 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 252 | Independent Mortgage Company |
| 18 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 577 | Credit Union |
| 19 | Bell Bank | 83 | 49 | 82 | 310 | Bank |
| 20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 56 | 81 | 241 | Independent Mortgage Company |
| 21 | Carrollton Bank | 80 | 77 | 63 | 323 | Bank |
| 22 | VICTORY MORTGAGE, L.L.C. | 80 | 67 | 74 | 164 | Independent Mortgage Company |
| 23 | FLAT BRANCH MORTGAGE, INC. | 80 | 37 | 85 | 6,598 | Independent Mortgage Company |
| 24 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 4,984 | Independent Mortgage Company |
| 25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 1,909 | Independent Mortgage Company |
| 26 | The Central Trust Bank | 79 | 54 | 65 | 2,384 | Bank |
| 27 | COMMUNITYAMERICA CREDIT UNION | 79 | 60 | 64 | 1,333 | Credit Union |
| 28 | JPMorgan Chase Bank, National Association | 79 | 75 | 54 | 661 | Bank |
| 29 | Flagstar Bank, N.A. | 79 | 56 | 68 | 646 | Bank |
| 30 | NEWREZ LLC | 79 | 47 | 63 | 553 | Independent Mortgage Company |
| 31 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 453 | Independent Mortgage Company |
| 32 | USAA Federal Savings Bank | 79 | 62 | 58 | 327 | Bank |
| 33 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 312 | Independent Mortgage Company |
| 34 | Gateway First Bank | 79 | 42 | 78 | 241 | Bank |
| 35 | PLAZA HOME MORTGAGE, INC. | 79 | 42 | 63 | 227 | Independent Mortgage Company |
| 36 | Plains Commerce Bank | 79 | 46 | 66 | 189 | Bank |
| 37 | GUILD MORTGAGE COMPANY LLC | 75 | 22 | 77 | 3,817 | Independent Mortgage Company |
| 38 | DAS Acquisition Company, LLC | 75 | 30 | 79 | 3,012 | Independent Mortgage Company |
| 39 | Mortgage Research Center, LLC | 75 | 34 | 61 | 2,112 | Independent Mortgage Company |
| 40 | DELMAR FINANCIAL COMPANY | 74 | 56 | 80 | 585 | Independent Mortgage Company |
| 41 | Midwest Mortgage Associates Corporation | 74 | 50 | 66 | 440 | Independent Mortgage Company |
| 42 | Flanagan State Bank | 74 | 52 | 77 | 274 | Bank |
| 43 | ASSEMBLIES OF GOD Credit Union | 74 | 61 | 78 | 266 | Credit Union |
| 44 | Paramount Bank | 74 | 56 | 65 | 231 | Bank |
| 45 | Guaranty Bank | 74 | 76 | 74 | 194 | Bank |
| 46 | Cadence Bank | 74 | 52 | 64 | 175 | Bank |
| 47 | THOMPSON KANE & COMPANY, INC | 74 | 43 | 67 | 163 | Independent Mortgage Company |
| 48 | Wells Fargo Bank, National Association | 73 | 53 | 55 | 338 | Bank |
| 49 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 518 | Independent Mortgage Company |
| 50 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 446 | 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.