# Best Conventional Mortgage Lenders in St. Joseph, MO

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in St. Joseph, MO. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/st-joseph-mo/best-mortgage-lenders/conventional-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:** 23
- **Total Loans:** 1,046
- **Median Rate Spread:** 0.49439130434782613%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | U.S. Bank National Association | 89 | 75 | 69 | 87 | Bank |
| 2 | HNB National Bank | 89 | 70 | 81 | 50 | Bank |
| 3 | FLAT BRANCH MORTGAGE, INC. | 83 | 59 | 84 | 33 | Independent Mortgage Company |
| 4 | COMMUNITY MORTGAGE, LLC | 80 | 66 | 68 | 22 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 140 | Independent Mortgage Company |
| 6 | United Community Bank | 79 | 85 | 75 | 13 | Bank |
| 7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 218 | Independent Mortgage Company |
| 8 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 26 | 76 | 165 | Independent Mortgage Company |
| 9 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 35 | Independent Mortgage Company |
| 10 | COMMUNITYAMERICA CREDIT UNION | 73 | 57 | 71 | 22 | Credit Union |
| 11 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 15 | Independent Mortgage Company |
| 12 | Commerce Bank | 69 | 54 | 49 | 27 | Bank |
| 13 | Flagstar Bank, N.A. | 66 | 34 | 72 | 20 | Bank |
| 14 | LEADERONE FINANCIAL CORPORATION | 66 | 24 | 66 | 13 | Independent Mortgage Company |
| 15 | Wells Fargo Bank, National Association | 66 | 61 | 57 | 10 | Bank |
| 16 | NBH Bank | 64 | 51 | 55 | 10 | Bank |
| 17 | Flanagan State Bank | 63 | 23 | 57 | 38 | Bank |
| 18 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | 63 | 23 | 57 | 29 | Independent Mortgage Company |
| 19 | NATIONSTAR MORTGAGE LLC | 60 | 27 | 64 | 10 | Independent Mortgage Company |
| 20 | ENDEAVOR CAPITAL, LLC. | 58 | 27 | 49 | 18 | Independent Mortgage Company |
| 21 | HALLMARK HOME MORTGAGE, LLC | 56 | 20 | 77 | 16 | 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 St. Joseph, MO.

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.