Safe Rate Rankings

Best USDA Mortgage Company Lenders in St. Louis

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders9

Total Loans34,993

Median Rate Spread0.31%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,118Fees	0.519%Above	2,800
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,198Fees	0.313%Above	1,857
3	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,367Fees	0.555%Above	709
4	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,224Fees	0.392%Above	1,380
5	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,071Fees	0.520%Above	344
6	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,077Fees	0.654%Above	1,836
7	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$1,824Fees	0.649%Above	1,731
8	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,010Fees	0.567%Above	470
9	DELMAR FINANCIAL COMPANYIndependent Mortgage Company	Sound	Acceptable	Sound	Acceptable	Exceptional	$1,369Fees	0.341%Above	1,006

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.