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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $933 | +0.354% | 87 | |
2 | HNB National Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $491 | +0.087% | 50 | |
3 | United Community Bank | Exceptional | Exceptional | Strong | Strong | Sound | -$184 | +0.118% | 13 | |
4 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,818 | +0.608% | 33 | |
5 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,543 | +0.351% | 22 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,430 | +0.515% | 140 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,114 | +0.554% | 218 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,147 | +0.618% | 165 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,775 | +0.895% | 35 | |
10 | COMMUNITYAMERICA CREDIT UNION | Strong | Sound | Exceptional | Strong | Sound | $972 | +0.308% | 22 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,608 | +0.346% | 15 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Acceptable | $1,282 | +0.193% | 10 | |
13 | Commerce Bank | Strong | Sound | Strong | Sound | Strong | $472 | +0.731% | 27 | |
14 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $562 | +0.174% | 20 | |
15 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,605 | +0.788% | 13 | |
16 | NBH Bank | Strong | Sound | Strong | Sound | Sound | $211 | +0.627% | 10 | |
17 | Flanagan State Bank | Strong | Acceptable | Strong | Sound | Strong | $2,398 | +1.033% | 38 | |
18 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,091 | +0.616% | 29 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,067 | +0.722% | 10 | |
20 | ENDEAVOR CAPITAL, LLC. | Sound | Acceptable | Strong | Sound | Sound | $2,379 | +0.306% | 18 | |
21 | HALLMARK HOME MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,551 | +1.042% | 16 |
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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St. Joseph, MOConventional
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