Top Mortgage Lenders in Cape Girardeau, MO

Which mortgage lender in the Cape Girardeau, MO area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Cape Girardeau, MO area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Cape Girardeau, MO area in terms of interest rate is Wells Fargo Bank, with an average “Rate Difference” of -0.14%. This means that, comparing similar borrowers, Wells Fargo Bank provided a -0.14% lower interest rate for its customers than other lenders in the area. Wells Fargo Bank has a market share of 7.0%. On the other hand, the most popular lender in the Cape Girardeau, MO area is US Bank, with a larger market share of 11.7%. US Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.08% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Cape Girardeau, 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, going by historical data, the cheapest lender for Conventional mortgages in Cape Girardeau, MO is Wells Fargo Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is US Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Flagstar Bank. The cheapest VA mortgage provider is Flat Branch Mortgage. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Cape Girardeau, MO

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.14%(4.0)7.05%
First State Community Bank-0.14%(4.0)8.72%
US Bank-0.08%(4.0)11.71%
Flagstar Bank-0.08%(4.0)3.82%
Magnolia Bank-0.04%(3.5)1.85%
Flat Branch Mortgage-0.04%(3.5)5.79%
Caliber Home Loans-0.02%(3.5)2.15%
The Bank of Missouri-0.02%(3.5)11.29%
Guild Mortgage Company-0.01%(3.5)3.11%
Commerce Bank0.06%(3.0)2.51%
DelMar Financial Company0.07%(3.0)2.63%
Flanagan State Bank0.08%(3.0)3.94%
Quicken Loans0.08%(3.0)11.65%
Southern Bank0.10%(3.0)5.68%
DAS Acquisition Company0.12%(3.0)10.04%
Regions Bank0.13%(3.0)6.21%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.18%(4.5)6.42%
Flagstar Bank-0.12%(4.0)3.93%
US Bank-0.09%(4.0)12.53%
First State Community Bank-0.09%(4.0)7.04%
Magnolia Bank-0.05%(4.0)1.86%
Flat Branch Mortgage-0.05%(3.5)8.49%
Caliber Home Loans-0.02%(3.5)2.07%
Guild Mortgage Company-0.02%(3.5)4.14%
The Bank of Missouri-0.01%(3.5)10.77%
Quicken Loans0.01%(3.5)5.90%
Commerce Bank0.04%(3.5)2.69%
Regions Bank0.04%(3.5)4.24%
DelMar Financial Company0.10%(3.0)3.42%
Flanagan State Bank0.11%(3.0)4.97%
DAS Acquisition Company0.12%(3.0)15.84%
Southern Bank0.18%(2.5)5.28%
Lender NameRate DifferenceRate RatingMarket Share
First State Community Bank-0.18%(4.5)11.02%
Wells Fargo Bank-0.11%(4.0)7.91%
US Bank-0.05%(3.5)10.59%
The Bank of Missouri-0.04%(3.5)12.01%
Magnolia Bank-0.03%(3.5)1.84%
Caliber Home Loans-0.02%(3.5)2.26%
Flanagan State Bank-0.02%(3.5)2.54%
DelMar Financial Company-0.02%(3.5)1.55%
Flagstar Bank-0.01%(3.5)3.67%
Flat Branch Mortgage-0.01%(3.5)2.12%
Guild Mortgage Company-0.01%(3.5)1.69%
Southern Bank0.01%(3.5)6.21%
DAS Acquisition Company0.03%(3.5)2.12%
Commerce Bank0.09%(3.0)2.26%
Quicken Loans0.10%(3.0)19.49%
Regions Bank0.19%(2.5)8.90%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.14%(4.0)9.68%
First State Community Bank-0.13%(4.0)12.08%
US Bank-0.07%(4.0)14.56%
The Bank of Missouri-0.01%(3.5)15.63%
Magnolia Bank-0.01%(3.5)1.57%
Flagstar Bank-0.01%(3.5)2.56%
DelMar Financial Company0.01%(3.5)1.99%
Caliber Home Loans0.02%(3.5)1.24%
Flanagan State Bank0.03%(3.5)2.98%
Flat Branch Mortgage0.04%(3.5)2.48%
Guild Mortgage Company0.05%(3.5)1.82%
DAS Acquisition Company0.07%(3.0)4.96%
Commerce Bank0.08%(3.0)2.81%
Southern Bank0.11%(3.0)7.69%
Quicken Loans0.14%(3.0)9.02%
Regions Bank0.16%(2.5)7.61%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.16%(4.5)10.28%
US Bank-0.09%(4.0)17.25%
First State Community Bank-0.07%(4.0)11.28%
Flagstar Bank-0.01%(3.5)1.99%
The Bank of Missouri0.01%(3.5)17.25%
Magnolia Bank0.02%(3.5)1.16%
Caliber Home Loans0.02%(3.5)1.16%
DelMar Financial Company0.04%(3.5)2.16%
Commerce Bank0.06%(3.0)3.15%
Quicken Loans0.06%(3.0)3.48%
Guild Mortgage Company0.07%(3.0)2.65%
Flanagan State Bank0.07%(3.0)3.48%
Flat Branch Mortgage0.08%(3.0)3.15%
DAS Acquisition Company0.08%(3.0)8.29%
Regions Bank0.09%(3.0)4.81%
Southern Bank0.20%(2.5)8.13%
Lender NameRate DifferenceRate RatingMarket Share
First State Community Bank-0.18%(4.5)12.87%
Wells Fargo Bank-0.11%(4.0)9.08%
US Bank-0.05%(4.0)11.88%
The Bank of Missouri-0.04%(3.5)14.03%
Magnolia Bank-0.03%(3.5)1.98%
Flanagan State Bank-0.02%(3.5)2.48%
DelMar Financial Company-0.01%(3.5)1.82%
Flagstar Bank-0.01%(3.5)3.14%
Flat Branch Mortgage-0.01%(3.5)1.82%
Guild Mortgage Company0.00%(3.5)0.99%
Southern Bank0.01%(3.5)7.26%
Caliber Home Loans0.01%(3.5)1.32%
DAS Acquisition Company0.05%(3.5)1.65%
Commerce Bank0.10%(3.0)2.48%
Quicken Loans0.15%(3.0)14.52%
Regions Bank0.19%(2.5)10.40%
Lender NameRate DifferenceRate RatingMarket Share
Flagstar Bank-0.19%(4.5)7.34%
Flat Branch Mortgage-0.12%(4.0)12.71%
Magnolia Bank-0.12%(4.0)2.82%
Guild Mortgage Company-0.08%(4.0)7.91%
Caliber Home Loans-0.07%(4.0)5.37%
US Bank-0.07%(4.0)3.39%
Regions Bank-0.06%(4.0)2.26%
Quicken Loans-0.02%(3.5)19.21%
Commerce Bank0.00%(3.5)0.56%
DelMar Financial Company0.13%(3.0)5.08%
Flanagan State Bank0.13%(3.0)7.34%
DAS Acquisition Company0.14%(3.0)24.58%
Lender NameRate DifferenceRate RatingMarket Share
Flagstar Bank-0.21%(4.5)8.01%
Flat Branch Mortgage-0.13%(4.0)14.98%
Magnolia Bank-0.12%(4.0)3.48%
Guild Mortgage Company-0.09%(4.0)8.01%
US Bank-0.08%(4.0)3.83%
Caliber Home Loans-0.07%(4.0)4.18%
Regions Bank-0.06%(4.0)2.79%
Quicken Loans-0.05%(3.5)10.10%
Commerce Bank-0.00%(3.5)0.70%
DelMar Financial Company0.12%(3.0)6.27%
DAS Acquisition Company0.14%(3.0)29.27%
Flanagan State Bank0.14%(3.0)8.01%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.07%(4.0)10.45%
Flagstar Bank-0.04%(3.5)4.48%
Guild Mortgage Company-0.03%(3.5)7.46%
Flat Branch Mortgage-0.02%(3.5)2.99%
Flanagan State Bank-0.01%(3.5)4.48%
DAS Acquisition Company-0.00%(3.5)4.48%
US Bank0.01%(3.5)1.49%
Quicken Loans0.02%(3.5)58.21%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.01%(3.5)12.50%
Wells Fargo Bank-0.01%(3.5)12.50%
Southern Bank0.00%(3.5)25.00%
Flagstar Bank0.00%(3.5)12.50%
Commerce Bank0.00%(3.5)25.00%
Regions Bank0.00%(3.5)12.50%
Lender NameRate DifferenceRate RatingMarket Share
Southern Bank-0.00%(3.5)50.00%
Commerce Bank0.00%(3.5)25.00%
Regions Bank0.00%(3.5)25.00%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.01%(3.5)25.00%
Wells Fargo Bank-0.00%(3.5)25.00%
Flagstar Bank0.00%(3.5)25.00%
Commerce Bank0.01%(3.5)25.00%
Lender NameRate DifferenceRate RatingMarket Share
Flat Branch Mortgage-0.05%(4.0)21.36%
Regions Bank-0.03%(3.5)2.91%
Magnolia Bank-0.02%(3.5)1.94%
Caliber Home Loans-0.02%(3.5)1.94%
US Bank-0.02%(3.5)6.80%
Guild Mortgage Company-0.01%(3.5)1.94%
Commerce Bank0.00%(3.5)3.88%
Flagstar Bank0.00%(3.5)5.83%
Quicken Loans0.02%(3.5)17.48%
DAS Acquisition Company0.05%(3.0)20.39%
DelMar Financial Company0.05%(3.0)1.94%
Flanagan State Bank0.05%(3.0)3.88%
Lender NameRate DifferenceRate RatingMarket Share
Flat Branch Mortgage-0.06%(4.0)27.78%
Regions Bank-0.04%(3.5)4.17%
Magnolia Bank-0.03%(3.5)1.39%
US Bank-0.03%(3.5)8.33%
Guild Mortgage Company-0.02%(3.5)1.39%
Caliber Home Loans-0.02%(3.5)1.39%
Commerce Bank-0.00%(3.5)5.56%
Flagstar Bank0.02%(3.5)4.17%
Quicken Loans0.03%(3.5)9.72%
DelMar Financial Company0.05%(3.5)2.78%
Flanagan State Bank0.05%(3.5)5.56%
DAS Acquisition Company0.05%(3.0)26.39%
Lender NameRate DifferenceRate RatingMarket Share
Flat Branch Mortgage-0.01%(3.5)6.45%
Caliber Home Loans-0.01%(3.5)3.23%
Magnolia Bank-0.01%(3.5)3.23%
DAS Acquisition Company-0.01%(3.5)6.45%
Flagstar Bank-0.00%(3.5)9.68%
Guild Mortgage Company0.00%(3.5)3.23%
US Bank0.02%(3.5)3.23%
Quicken Loans0.02%(3.5)35.48%

* Data is compiled for the Cape Girardeau, MO commuting zone area, which comprises of counties of Bollinger County, MO, Cape Girardeau County, MO, Mississippi County, MO, New Madrid County, MO, Perry County, MO, Scott County, MO, and Stoddard County, MO. This includes cities/towns/communities of Cape Girardeau, MO as well as Jackson, MO, Perryville, MO, Sikeston, MO, Dexter, MO, Scott City, MO, Old Appleton, MO, Delta, MO, Glen Allen, MO, Dutchtown, MO, Morehouse, MO, Benton, MO, Biehle, MO, Chaffee, MO, Lithium, MO, Sedgewickville, MO, Vanduser, MO, Bloomfield, MO, Oran, MO, Advance, MO, Puxico, MO, Essex, MO, East Prairie, MO, Howardville, MO, Charleston, MO, Bernie, MO, Zalma, MO, Portageville, MO, Bertrand, MO, Pinhook, MO, Risco, MO, North Lilbourn, MO, and Parma, MO. Lenders must have made at least 30 loans in the area to be included. Source of the data is 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 conditional on the commuting zone, 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 in Other Cities

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