🛡️
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 Mortgage Lenders in St. Joseph
Updated February 6, 2026
Market Overview
23
Total Lenders
1,046
Total Loans
0.49%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $933 | +0.354% | 87 | |
2 | HNB National Bank | Exceptional | Strong | Strong | Exceptional | $491 | +0.087% | 50 | |
3 | COMMUNITY MORTGAGE, LLC | Strong | Strong | Strong | Strong | $1,543 | +0.351% | 22 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $1,775 | +0.895% | 35 | |
5 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | $1,818 | +0.608% | 33 | |
6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,114 | +0.554% | 218 | |
7 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $2,147 | +0.618% | 165 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,430 | +0.515% | 140 | |
9 | Commerce Bank | Strong | Sound | Sound | Strong | $472 | +0.731% | 27 | |
10 | COMMUNITYAMERICA CREDIT UNION | Strong | Sound | Strong | Sound | $972 | +0.308% | 22 | |
11 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,564 | -0.025% | 41 | |
12 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,091 | +0.616% | 29 | |
13 | Flanagan State Bank | Sound | Acceptable | Sound | Strong | $2,398 | +1.033% | 38 | |
14 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $562 | +0.174% | 20 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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
St. Joseph, MO
No credit impact
3-minute process
100% free