Top Mortgage Lenders in the Village of Four Seasons, MO area

Which mortgage lender in the Village of Four Seasons, 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 Village of Four Seasons, 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 Village of Four Seasons, MO area is First State Bank Of St Charles Missouri, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.13%. This means that First State Bank Of St Charles Missouri provided a -0.13% lower interest rate for its customers than other lenders in Village of Four Seasons, MO for a similar set of borrowers. First State Bank Of St Charles Missouri has a market share of 13.1%. It is also the most popular lender in the area.

Our detailed rankings of the mortgage lenders for the Village of Four Seasons, 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 Village of Four Seasons, MO is First State Bank Of St Charles Missouri. 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 Fairway Independent Mort Corp. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Guild Mortgage Company. The cheapest VA mortgage provider is First State Bank Of St Charles Missouri. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First State Bank Of St Charles Missouri 1, -0.13% 13.07%
Jefferson Bank Of Missouri 2, -0.07% 2.46%
Flat Branch Mortgage Inc 3, -0.05% 8.72%
Home Point Financial Corporation 4, -0.05% 3.33%
Movement Mortgage 5, -0.04% 7.77%
Us Bank 6, -0.04% 6.42%
The Central Trust Bank 7, -0.03% 3.41%
Fairway Independent Mort Corp 8, -0.02% 2.77%
Oakstarbank 9, -0.02% 2.46%
Wells Fargo Bank 10, -0.01% 4.44%
Community Mortgage 11, 0.01% 3.01%
Primelending 12, 0.02% 2.54%
Guild Mortgage Company 13, 0.04% 9.03%
DAS Acquisition Company 14, 0.06% 9.83%
Flagstar Bank 15, 0.11% 9.90%
Quicken Loans 16, 0.12% 10.86%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First State Bank Of St Charles Missouri 1, -0.13% 14.61%
Us Bank 2, -0.10% 6.00%
Oakstarbank 3, -0.05% 1.81%
Jefferson Bank Of Missouri 4, -0.05% 1.70%
Home Point Financial Corporation 5, -0.05% 1.81%
Flat Branch Mortgage Inc 6, -0.04% 10.76%
Movement Mortgage 7, -0.03% 9.51%
Fairway Independent Mort Corp 8, -0.02% 2.60%
Wells Fargo Bank 9, -0.01% 4.42%
The Central Trust Bank 10, 0.01% 2.38%
Community Mortgage 11, 0.02% 3.62%
Primelending 12, 0.02% 3.06%
Guild Mortgage Company 13, 0.05% 10.76%
DAS Acquisition Company 14, 0.08% 10.19%
Quicken Loans 15, 0.09% 5.78%
Flagstar Bank 16, 0.14% 10.99%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First State Bank Of St Charles Missouri 1, -0.13% 9.50%
Flat Branch Mortgage Inc 2, -0.11% 3.96%
Jefferson Bank Of Missouri 3, -0.09% 4.22%
The Central Trust Bank 4, -0.09% 5.80%
Movement Mortgage 5, -0.08% 3.69%
Home Point Financial Corporation 6, -0.07% 6.86%
Fairway Independent Mort Corp 7, -0.04% 3.17%
Community Mortgage 8, -0.03% 1.58%
Flagstar Bank 9, -0.00% 7.39%
Wells Fargo Bank 10, -0.00% 4.49%
Guild Mortgage Company 11, -0.00% 5.01%
Oakstarbank 12, 0.00% 3.96%
DAS Acquisition Company 13, 0.01% 8.97%
Primelending 14, 0.01% 1.32%
Us Bank 15, 0.07% 7.39%
Quicken Loans 16, 0.13% 22.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First State Bank Of St Charles Missouri 1, -0.14% 14.37%
Jefferson Bank Of Missouri 2, -0.07% 2.84%
Flat Branch Mortgage Inc 3, -0.07% 8.22%
Home Point Financial Corporation 4, -0.07% 3.31%
Community Mortgage 5, -0.04% 1.70%
Us Bank 6, -0.04% 7.37%
Movement Mortgage 7, -0.04% 7.37%
The Central Trust Bank 8, -0.04% 3.97%
Fairway Independent Mort Corp 9, -0.02% 2.55%
Oakstarbank 10, -0.02% 2.55%
Wells Fargo Bank 11, -0.01% 4.82%
Primelending 12, 0.02% 2.27%
Guild Mortgage Company 13, 0.05% 9.55%
DAS Acquisition Company 14, 0.07% 9.07%
Flagstar Bank 15, 0.12% 10.30%
Quicken Loans 16, 0.16% 9.74%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First State Bank Of St Charles Missouri 1, -0.14% 16.44%
Us Bank 2, -0.10% 7.26%
Home Point Financial Corporation 3, -0.07% 1.51%
Oakstarbank 4, -0.06% 1.78%
Flat Branch Mortgage Inc 5, -0.06% 10.00%
Jefferson Bank Of Missouri 6, -0.05% 1.92%
Community Mortgage 7, -0.04% 1.64%
Movement Mortgage 8, -0.02% 9.18%
Fairway Independent Mort Corp 9, -0.02% 2.33%
Wells Fargo Bank 10, -0.00% 4.93%
The Central Trust Bank 11, 0.01% 2.74%
Primelending 12, 0.02% 2.60%
Guild Mortgage Company 13, 0.06% 11.23%
DAS Acquisition Company 14, 0.08% 9.59%
Quicken Loans 15, 0.12% 4.93%
Flagstar Bank 16, 0.16% 11.92%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First State Bank Of St Charles Missouri 1, -0.15% 9.76%
Flat Branch Mortgage Inc 2, -0.12% 4.27%
Jefferson Bank Of Missouri 3, -0.10% 4.88%
The Central Trust Bank 4, -0.09% 6.71%
Movement Mortgage 5, -0.09% 3.35%
Home Point Financial Corporation 6, -0.08% 7.32%
Fairway Independent Mort Corp 7, -0.04% 3.05%
Community Mortgage 8, -0.04% 1.83%
Guild Mortgage Company 9, -0.01% 5.79%
Wells Fargo Bank 10, -0.00% 4.57%
Oakstarbank 11, -0.00% 4.27%
Flagstar Bank 12, 0.00% 6.71%
Primelending 13, 0.01% 1.52%
DAS Acquisition Company 14, 0.02% 7.93%
Us Bank 15, 0.08% 7.62%
Quicken Loans 16, 0.17% 20.43%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.10% 6.61%
Movement Mortgage 2, -0.07% 12.40%
First State Bank Of St Charles Missouri 3, -0.05% 4.96%
Oakstarbank 4, -0.04% 3.31%
Flat Branch Mortgage Inc 5, -0.02% 10.74%
Fairway Independent Mort Corp 6, -0.01% 2.48%
The Central Trust Bank 7, -0.01% 0.83%
Quicken Loans 8, -0.00% 14.88%
Jefferson Bank Of Missouri 9, -0.00% 0.83%
Flagstar Bank 10, -0.00% 4.96%
Home Point Financial Corporation 11, 0.02% 3.31%
Primelending 12, 0.02% 3.31%
Community Mortgage 13, 0.06% 14.88%
DAS Acquisition Company 14, 0.07% 16.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.10% 7.62%
Movement Mortgage 2, -0.07% 14.29%
First State Bank Of St Charles Missouri 3, -0.06% 4.76%
Oakstarbank 4, -0.05% 2.86%
Flat Branch Mortgage Inc 5, -0.02% 12.38%
Fairway Independent Mort Corp 6, -0.02% 2.86%
The Central Trust Bank 7, -0.01% 0.95%
Jefferson Bank Of Missouri 8, -0.01% 0.95%
Flagstar Bank 9, -0.00% 4.76%
Primelending 10, 0.02% 3.81%
Quicken Loans 11, 0.02% 8.57%
Home Point Financial Corporation 12, 0.03% 2.86%
Community Mortgage 13, 0.06% 17.14%
DAS Acquisition Company 14, 0.07% 16.19%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.02% 56.25%
First State Bank Of St Charles Missouri 2, -0.00% 6.25%
Flagstar Bank 3, 0.00% 6.25%
Home Point Financial Corporation 4, 0.00% 6.25%
Oakstarbank 5, 0.01% 6.25%
DAS Acquisition Company 6, 0.05% 18.75%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.02% 8.33%
First State Bank Of St Charles Missouri 2, -0.01% 8.33%
Wells Fargo Bank 3, -0.01% 25.00%
Flagstar Bank 4, -0.00% 16.67%
Quicken Loans 5, -0.00% 16.67%
DAS Acquisition Company 6, 0.02% 16.67%
Us Bank 7, 0.02% 8.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.02% 25.00%
Wells Fargo Bank 2, -0.00% 25.00%
Quicken Loans 3, 0.00% 25.00%
DAS Acquisition Company 4, 0.03% 25.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 25.00%
Quicken Loans 2, -0.01% 12.50%
First State Bank Of St Charles Missouri 3, -0.01% 12.50%
Flagstar Bank 4, 0.00% 25.00%
DAS Acquisition Company 5, 0.00% 12.50%
Us Bank 6, 0.02% 12.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First State Bank Of St Charles Missouri 1, -0.03% 8.45%
Movement Mortgage 2, -0.02% 7.04%
Flagstar Bank 3, -0.02% 11.27%
Fairway Independent Mort Corp 4, -0.02% 5.63%
Guild Mortgage Company 5, -0.01% 7.04%
Wells Fargo Bank 6, -0.01% 2.82%
Home Point Financial Corporation 7, -0.01% 4.23%
DAS Acquisition Company 8, -0.01% 8.45%
Us Bank 9, 0.01% 2.82%
Primelending 10, 0.01% 5.63%
Quicken Loans 11, 0.02% 19.72%
Community Mortgage 12, 0.02% 2.82%
Flat Branch Mortgage Inc 13, 0.03% 14.08%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First State Bank Of St Charles Missouri 1, -0.04% 9.09%
Fairway Independent Mort Corp 2, -0.02% 4.55%
Home Point Financial Corporation 3, -0.02% 4.55%
Guild Mortgage Company 4, -0.02% 11.36%
Flagstar Bank 5, -0.02% 11.36%
Wells Fargo Bank 6, -0.02% 4.55%
DAS Acquisition Company 7, 0.00% 4.55%
Quicken Loans 8, 0.00% 11.36%
Movement Mortgage 9, 0.01% 4.55%
Primelending 10, 0.01% 9.09%
Community Mortgage 11, 0.02% 4.55%
Flat Branch Mortgage Inc 12, 0.03% 20.45%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Movement Mortgage 1, -0.04% 11.11%
Flagstar Bank 2, -0.02% 11.11%
DAS Acquisition Company 3, -0.01% 14.81%
Fairway Independent Mort Corp 4, -0.01% 7.41%
First State Bank Of St Charles Missouri 5, -0.00% 7.41%
Flat Branch Mortgage Inc 6, -0.00% 3.70%
Home Point Financial Corporation 7, 0.00% 3.70%
Us Bank 8, 0.01% 7.41%
Quicken Loans 9, 0.03% 33.33%

* Data is compiled for the Village of Four Seasons, MO commuting zone area, which comprises of counties of Camden County, MO, Miller County, MO, and Morgan County, MO. This includes cities/towns/communities of Village of Four Seasons, MO as well as Osage Beach, MO, Sunrise Beach, MO, Camdenton, MO, Laurie, MO, Climax Springs, MO, Macks Creek, MO, Gravois Mills, MO, Lake Ozark, MO, Bagnell, MO, Versailles, MO, Eldon, MO, Iberia, MO, Stoutland, MO, Barnett, MO, and Olean, MO. 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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