Top Mortgage Lenders in Joplin, MO

Which mortgage lender in the Joplin, MO area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Joplin, MO area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Joplin, MO area is Southwest Missouri Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.18%. This means that Southwest Missouri Bank provided a -0.18% lower interest rate for its customers than other lenders in Joplin, MO for a similar set of borrowers. Southwest Missouri Bank has a market share of 9.4%. On the other hand, the most popular lender in the market is Flat Branch Mortgage Inc, with a market share of 37.2%. Flat Branch Mortgage Inc is an average rate lender in this area, with a “Rate Difference” of +0.01% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Joplin, MO area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Joplin, MO is Southwest Missouri Bank. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Arvest Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Guaranty Bank. The cheapest VA mortgage provider is Southwest Missouri Bank. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Joplin, MO

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southwest Missouri Bank 1, -0.18% 9.39%
Guaranty Bank 2, -0.10% 6.34%
Us Bank 3, -0.06% 6.94%
Flagstar Bank 4, -0.00% 1.57%
Pennymac Loan Services 5, 0.00% 1.43%
Pinnacle Bank – KMN 6, 0.01% 1.67%
Gateway First Bank 7, 0.01% 4.07%
Flat Branch Mortgage Inc 8, 0.01% 37.19%
Arvest Bank 9, 0.02% 12.81%
Wells Fargo Bank 10, 0.04% 2.96%
Commerce Bank 11, 0.10% 2.27%
Quicken Loans 12, 0.10% 11.29%
DAS Acquisition Company 13, 0.19% 2.08%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southwest Missouri Bank 1, -0.17% 7.38%
Guaranty Bank 2, -0.13% 7.00%
Us Bank 3, -0.07% 5.49%
Pennymac Loan Services 4, -0.03% 1.14%
Flagstar Bank 5, -0.01% 1.32%
Flat Branch Mortgage Inc 6, 0.01% 47.38%
Pinnacle Bank – KMN 7, 0.02% 1.32%
Wells Fargo Bank 8, 0.02% 2.97%
Gateway First Bank 9, 0.03% 3.97%
Arvest Bank 10, 0.03% 11.74%
Commerce Bank 11, 0.10% 1.83%
Quicken Loans 12, 0.11% 5.87%
DAS Acquisition Company 13, 0.20% 2.59%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southwest Missouri Bank 1, -0.18% 14.90%
Flat Branch Mortgage Inc 2, -0.07% 9.19%
Us Bank 3, -0.04% 10.92%
Gateway First Bank 4, -0.03% 4.33%
Guaranty Bank 5, -0.02% 4.51%
Pinnacle Bank – KMN 6, -0.01% 2.60%
Arvest Bank 7, 0.00% 15.77%
Flagstar Bank 8, 0.02% 2.25%
Pennymac Loan Services 9, 0.05% 2.25%
DAS Acquisition Company 10, 0.05% 0.69%
Commerce Bank 11, 0.10% 3.47%
Wells Fargo Bank 12, 0.10% 2.95%
Quicken Loans 13, 0.12% 26.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southwest Missouri Bank 1, -0.18% 12.38%
Guaranty Bank 2, -0.09% 5.33%
Us Bank 3, -0.05% 9.74%
Flat Branch Mortgage Inc 4, -0.00% 30.73%
Gateway First Bank 5, -0.00% 4.13%
Flagstar Bank 6, 0.00% 1.64%
Pinnacle Bank – KMN 7, 0.01% 2.28%
Pennymac Loan Services 8, 0.02% 1.21%
Wells Fargo Bank 9, 0.05% 4.41%
DAS Acquisition Company 10, 0.06% 0.36%
Arvest Bank 11, 0.06% 15.36%
Commerce Bank 12, 0.12% 3.20%
Quicken Loans 13, 0.18% 9.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southwest Missouri Bank 1, -0.18% 9.49%
Guaranty Bank 2, -0.11% 5.88%
Us Bank 3, -0.06% 7.95%
Flagstar Bank 4, -0.01% 1.34%
Pennymac Loan Services 5, -0.01% 1.03%
Flat Branch Mortgage Inc 6, -0.00% 41.07%
Gateway First Bank 7, 0.01% 4.02%
Pinnacle Bank – KMN 8, 0.03% 1.96%
Wells Fargo Bank 9, 0.03% 4.64%
DAS Acquisition Company 10, 0.05% 0.52%
Arvest Bank 11, 0.09% 14.24%
Commerce Bank 12, 0.12% 2.79%
Quicken Loans 13, 0.19% 5.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southwest Missouri Bank 1, -0.18% 18.76%
Flat Branch Mortgage Inc 2, -0.09% 7.78%
Us Bank 3, -0.04% 13.73%
Gateway First Bank 4, -0.03% 4.35%
Guaranty Bank 5, -0.02% 4.12%
Pinnacle Bank – KMN 6, -0.00% 2.97%
Arvest Bank 7, 0.01% 17.85%
Flagstar Bank 8, 0.03% 2.29%
Pennymac Loan Services 9, 0.07% 1.60%
Wells Fargo Bank 10, 0.11% 3.89%
Commerce Bank 11, 0.12% 4.12%
Quicken Loans 12, 0.19% 18.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranty Bank 1, -0.16% 8.91%
Southwest Missouri Bank 2, -0.15% 3.03%
Arvest Bank 3, -0.13% 7.31%
Pennymac Loan Services 4, -0.05% 0.71%
Us Bank 5, -0.04% 1.25%
Pinnacle Bank – KMN 6, -0.02% 0.18%
Quicken Loans 7, -0.02% 14.97%
Commerce Bank 8, -0.01% 0.53%
Flagstar Bank 9, -0.01% 0.89%
Flat Branch Mortgage Inc 10, 0.03% 50.62%
Gateway First Bank 11, 0.04% 4.99%
DAS Acquisition Company 12, 0.20% 6.60%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranty Bank 1, -0.17% 9.55%
Southwest Missouri Bank 2, -0.16% 3.25%
Arvest Bank 3, -0.15% 7.52%
Pennymac Loan Services 4, -0.06% 0.61%
Us Bank 5, -0.05% 1.22%
Pinnacle Bank – KMN 6, -0.03% 0.20%
Flagstar Bank 7, -0.02% 0.81%
Commerce Bank 8, -0.01% 0.20%
Quicken Loans 9, 0.01% 7.93%
Flat Branch Mortgage Inc 10, 0.03% 56.71%
Gateway First Bank 11, 0.05% 4.88%
DAS Acquisition Company 12, 0.21% 7.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.01% 65.22%
Gateway First Bank 2, 0.00% 5.80%
Flat Branch Mortgage Inc 3, 0.00% 7.25%
Guaranty Bank 4, 0.01% 4.35%
Pennymac Loan Services 5, 0.01% 1.45%
Arvest Bank 6, 0.02% 5.80%
Commerce Bank 7, 0.02% 2.90%
Us Bank 8, 0.02% 1.45%
Southwest Missouri Bank 9, 0.03% 1.45%
Flagstar Bank 10, 0.04% 1.45%
DAS Acquisition Company 11, 0.06% 2.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Arvest Bank 1, -0.01% 33.33%
Us Bank 2, 0.00% 66.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Arvest Bank 1, -0.01% 50.00%
Us Bank 2, 0.01% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southwest Missouri Bank 1, -0.08% 6.25%
Arvest Bank 2, -0.07% 9.90%
Wells Fargo Bank 3, -0.04% 1.04%
Pennymac Loan Services 4, -0.02% 5.21%
Gateway First Bank 5, -0.02% 1.04%
Guaranty Bank 6, -0.01% 6.25%
Commerce Bank 7, -0.01% 0.52%
Flagstar Bank 8, -0.01% 3.12%
Us Bank 9, -0.00% 2.08%
Pinnacle Bank – KMN 10, -0.00% 1.56%
Flat Branch Mortgage Inc 11, 0.00% 45.83%
DAS Acquisition Company 12, 0.01% 1.56%
Quicken Loans 13, 0.08% 15.62%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southwest Missouri Bank 1, -0.09% 7.32%
Arvest Bank 2, -0.06% 8.94%
Pennymac Loan Services 3, -0.05% 4.07%
Wells Fargo Bank 4, -0.04% 1.63%
Commerce Bank 5, -0.01% 0.81%
Us Bank 6, -0.00% 2.44%
Flagstar Bank 7, 0.00% 3.25%
Guaranty Bank 8, 0.01% 5.69%
Pinnacle Bank – KMN 9, 0.01% 0.81%
DAS Acquisition Company 10, 0.02% 0.81%
Flat Branch Mortgage Inc 11, 0.02% 60.16%
Quicken Loans 12, 0.06% 4.07%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Arvest Bank 1, -0.09% 11.59%
Flat Branch Mortgage Inc 2, -0.07% 20.29%
Guaranty Bank 3, -0.04% 7.25%
Southwest Missouri Bank 4, -0.03% 4.35%
Gateway First Bank 5, -0.03% 2.90%
Flagstar Bank 6, -0.02% 2.90%
Pinnacle Bank – KMN 7, -0.01% 2.90%
Us Bank 8, -0.01% 1.45%
Pennymac Loan Services 9, 0.00% 7.25%
DAS Acquisition Company 10, 0.01% 2.90%
Quicken Loans 11, 0.08% 36.23%

* Data is compiled for the Joplin, MO commuting zone area, which comprises of counties of Bourbon County, KS, Cherokee County, KS, Crawford County, KS, Jasper County, MO, and Newton County, MO. This includes cities/towns/communities of Joplin, MO as well as Neosho, MO, Webb City, MO, Carthage, MO, Pittsburg, KS, Carl Junction, MO, Oronogo, MO, Jasper, MO, Airport Drive, MO, Loma Linda, MO, Dennis Acres, MO, Diamond, MO, Fort Scott, KS, Silver Creek, MO, Duquesne, MO, Newtonia, MO, Reeds, MO, Columbus, KS, Seneca, MO, Baxter Springs, KS, Riverton, KS, Mulberry, KS, Fairview, MO, Girard, KS, Galena, KS, Chicopee, KS, Cherokee, KS, Roseland, KS, Mapleton, KS, Uniontown, KS, and West Mineral, KS. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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