🛡️
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 Company Lenders in St. Louis
Updated February 5, 2026
Market Overview
42
Total Lenders
22,753
Total Loans
0.48%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | $658 | +0.143% | 164 | |
2 | U S WIDE FINANCIAL LLC | Exceptional | Exceptional | Sound | Strong | -$372 | -0.175% | 112 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,198 | +0.313% | 1,857 | |
4 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,224 | +0.392% | 1,380 | |
5 | JLB CORPORATION | Strong | Sound | Exceptional | Exceptional | $3,484 | +0.354% | 411 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,254 | +0.077% | 76 | |
7 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Exceptional | $1,369 | +0.341% | 1,006 | |
8 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Exceptional | $1,367 | +0.555% | 709 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,047 | +0.532% | 167 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,118 | +0.519% | 2,800 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,559 | +0.446% | 1,941 | |
12 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Exceptional | $1,824 | +0.649% | 1,731 | |
13 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,071 | +0.520% | 344 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,999 | +0.806% | 338 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,997 | -0.052% | 220 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,088 | +0.381% | 175 | |
17 | MORTGAGE SOLUTIONS LLC | Strong | Strong | Acceptable | Strong | $1,175 | +0.316% | 81 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,738 | +0.533% | 923 | |
19 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Exceptional | $2,496 | +0.415% | 516 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,010 | +0.567% | 470 | |
21 | FAMILY FINANCE MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $1,694 | +0.693% | 270 | |
22 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,272 | +0.604% | 207 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $1,693 | +0.356% | 168 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,168 | +0.319% | 136 | |
25 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $2,077 | +0.654% | 1,836 | |
26 | ENDEAVOR CAPITAL, LLC. | Strong | Acceptable | Sound | Exceptional | $2,045 | +0.456% | 596 | |
27 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Strong | $2,350 | +0.722% | 264 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,286 | +0.504% | 208 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,163 | +0.706% | 182 | |
30 | FIRST INTEGRITY MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | $1,752 | +0.499% | 148 | |
31 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $872 | +0.501% | 125 | |
32 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,153 | +0.325% | 89 | |
33 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $1,547 | +0.474% | 359 | |
34 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,579 | +0.476% | 274 | |
35 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Strong | $3,204 | +0.713% | 238 | |
36 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $1,970 | +0.927% | 101 | |
37 | FRONTIER FINANCIAL, INC. | Sound | Acceptable | Sound | Strong | $1,630 | +0.557% | 94 | |
38 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | $4,620 | +0.824% | 96 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $5,056 | +0.440% | 73 | |
40 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Strong | $3,597 | +0.795% | 89 | |
41 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Strong | $4,001 | +1.417% | 75 |
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. Louis, MO
No credit impact
3-minute process
100% free