Top Mortgage Lenders in St. Joseph, MO

Which mortgage lender in the St. Joseph, 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 St. Joseph, 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 St. Joseph, MO area is Fairway Independent Mort Corp, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.09%. This means that Fairway Independent Mort Corp provided a -0.09% lower interest rate for its customers than other lenders in St. Joseph, MO for a similar set of borrowers. Fairway Independent Mort Corp has a market share of 29.7%. It is the most popular lender in the area.

Our detailed rankings of the mortgage lenders for the St. Joseph, 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 St. Joseph, MO 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 Flat Branch Mortgage Inc. The cheapest VA mortgage provider is Wells Fargo 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 St. Joseph, MO

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.09% 29.69%
Us Bank 2, -0.08% 12.95%
Flat Branch Mortgage Inc 3, -0.05% 2.94%
NBH Bank 4, -0.03% 3.36%
Wells Fargo Bank 5, 0.01% 3.03%
Community Banc Mortgage Corp 6, 0.01% 3.45%
Quicken Loans 7, 0.04% 14.97%
Flanagan State Bank 8, 0.06% 2.78%
Commerce Bank 9, 0.06% 6.31%
Primelending 10, 0.13% 20.52%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.10% 11.95%
Fairway Independent Mort Corp 2, -0.08% 35.15%
Flat Branch Mortgage Inc 3, -0.06% 3.25%
NBH Bank 4, -0.03% 2.09%
Wells Fargo Bank 5, -0.02% 2.32%
Community Banc Mortgage Corp 6, -0.01% 2.78%
Quicken Loans 7, 0.03% 7.77%
Commerce Bank 8, 0.06% 5.92%
Flanagan State Bank 9, 0.06% 3.48%
Primelending 10, 0.14% 25.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.16% 15.29%
Us Bank 2, -0.03% 15.60%
NBH Bank 3, -0.01% 6.73%
Flat Branch Mortgage Inc 4, -0.00% 2.14%
Primelending 5, 0.00% 7.95%
Flanagan State Bank 6, 0.03% 0.92%
Community Banc Mortgage Corp 7, 0.04% 5.20%
Wells Fargo Bank 8, 0.04% 4.89%
Quicken Loans 9, 0.06% 33.94%
Commerce Bank 10, 0.08% 7.34%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.12% 26.26%
Us Bank 2, -0.08% 16.84%
Flat Branch Mortgage Inc 3, -0.03% 2.39%
NBH Bank 4, -0.02% 4.51%
Wells Fargo Bank 5, 0.02% 4.51%
Community Banc Mortgage Corp 6, 0.02% 5.17%
Flanagan State Bank 7, 0.07% 2.25%
Commerce Bank 8, 0.09% 8.36%
Quicken Loans 9, 0.10% 11.67%
Primelending 10, 0.13% 18.04%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.11% 15.49%
Fairway Independent Mort Corp 2, -0.10% 30.99%
Flat Branch Mortgage Inc 3, -0.03% 2.62%
NBH Bank 4, -0.01% 2.62%
Wells Fargo Bank 5, -0.00% 3.62%
Community Banc Mortgage Corp 6, 0.00% 4.43%
Flanagan State Bank 7, 0.07% 2.82%
Commerce Bank 8, 0.09% 8.25%
Quicken Loans 9, 0.11% 5.84%
Primelending 10, 0.15% 23.34%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.18% 17.12%
Us Bank 2, -0.03% 19.46%
Flat Branch Mortgage Inc 3, -0.01% 1.95%
NBH Bank 4, -0.01% 8.17%
Primelending 5, -0.01% 7.78%
Flanagan State Bank 6, 0.04% 1.17%
Community Banc Mortgage Corp 7, 0.04% 6.61%
Wells Fargo Bank 8, 0.05% 6.23%
Commerce Bank 9, 0.09% 8.56%
Quicken Loans 10, 0.11% 22.96%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flat Branch Mortgage Inc 1, -0.11% 3.25%
NBH Bank 2, -0.06% 1.36%
Commerce Bank 3, -0.06% 2.44%
Fairway Independent Mort Corp 4, -0.06% 37.40%
Quicken Loans 5, -0.05% 17.89%
Community Banc Mortgage Corp 6, -0.04% 0.27%
Us Bank 7, -0.03% 6.23%
Wells Fargo Bank 8, -0.02% 0.27%
Flanagan State Bank 9, 0.05% 4.34%
Primelending 10, 0.14% 26.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flat Branch Mortgage Inc 1, -0.13% 3.43%
NBH Bank 2, -0.08% 1.25%
Commerce Bank 3, -0.07% 2.18%
Fairway Independent Mort Corp 4, -0.07% 42.06%
Community Banc Mortgage Corp 5, -0.05% 0.31%
Us Bank 6, -0.04% 7.17%
Quicken Loans 7, -0.04% 9.35%
Wells Fargo Bank 8, -0.03% 0.31%
Flanagan State Bank 9, 0.04% 4.98%
Primelending 10, 0.14% 28.97%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.01% 75.00%
Commerce Bank 2, 0.01% 4.17%
Fairway Independent Mort Corp 3, 0.02% 6.25%
NBH Bank 4, 0.02% 2.08%
Flat Branch Mortgage Inc 5, 0.03% 2.08%
Primelending 6, 0.06% 10.42%
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Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.03% 1.52%
Commerce Bank 2, -0.02% 4.55%
Us Bank 3, -0.02% 6.06%
Community Banc Mortgage Corp 4, -0.02% 1.52%
Flat Branch Mortgage Inc 5, -0.02% 7.58%
Fairway Independent Mort Corp 6, -0.01% 25.76%
NBH Bank 7, 0.01% 1.52%
Quicken Loans 8, 0.01% 36.36%
Primelending 9, 0.02% 15.15%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.03% 2.27%
Commerce Bank 2, -0.02% 6.82%
Us Bank 3, -0.02% 6.82%
Community Banc Mortgage Corp 4, -0.01% 2.27%
Flat Branch Mortgage Inc 5, -0.01% 9.09%
Quicken Loans 6, -0.01% 18.18%
Fairway Independent Mort Corp 7, -0.00% 31.82%
NBH Bank 8, 0.01% 2.27%
Primelending 9, 0.03% 20.45%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.04% 13.64%
Us Bank 2, -0.03% 4.55%
Primelending 3, -0.02% 4.55%
Flat Branch Mortgage Inc 4, -0.02% 4.55%
Quicken Loans 5, 0.01% 72.73%

* Data is compiled for the St. Joseph, MO commuting zone area, which comprises of counties of Doniphan County, KS, Andrew County, MO, Buchanan County, MO, Gentry County, MO, Holt County, MO, Nodaway County, MO, and Worth County, MO. This includes cities/towns/communities of St. Joseph, MO as well as Maryville, MO, Country Club, MO, Savannah, MO, Agency, MO, Guilford, MO, Rea, MO, McFall, MO, Wathena, KS, Gentry, MO, Arkoe, MO, Oregon, MO, Rushville, MO, Bendena, KS, Bigelow, MO, Grant City, MO, Amazonia, MO, Burlington Junction, MO, Maitland, MO, and Severance, 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.

Mortgage Lender Rankings for Other Cities

This page ranks the top mortgage lenders in the St. Joseph, MO area. For mortgage lender rankings of other cities, click here.