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, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Village of Four Seasons, 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 Village of Four Seasons, MO area in terms of interest rate is First State Bank of St. Charles Missouri, with an average “Rate Difference” of -0.13%. This means that, comparing similar borrowers, First State Bank of St. Charles Missouri provided a -0.13% lower interest rate for its customers than other lenders in the area. First State Bank of St. Charles Missouri has a market share of 13.1%. It is the most popular lender in the Village of Four Seasons, MO area.
Our detailed ranking of mortgage lenders in 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, going by historical data, 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 (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Fairway Independent Mortgage Corporation. 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. 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 Village of Four Seasons, MO
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First State Bank of St. Charles Missouri | -0.13% | 13.12% | |
| Jefferson Bank of Missouri | -0.07% | 2.46% | |
| Flat Branch Mortgage | -0.06% | 8.74% | |
| Home Point Financial Corporation | -0.05% | 3.34% | |
| Movement Mortgage | -0.04% | 7.71% | |
| US Bank | -0.04% | 6.44% | |
| Central Bank Jefferson City | -0.03% | 3.42% | |
| Fairway Independent Mortgage Corporation | -0.02% | 2.78% | |
| Oakstar Bank | -0.02% | 2.46% | |
| Wells Fargo Bank | -0.01% | 4.45% | |
| Community Mortgage | 0.01% | 3.02% | |
| PrimeLending | 0.02% | 2.54% | |
| Guild Mortgage Company | 0.04% | 9.06% | |
| DAS Acquisition Company | 0.06% | 9.78% | |
| Flagstar Bank | 0.11% | 9.94% | |
| Quicken Loans | 0.12% | 10.73% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First State Bank of St. Charles Missouri | -0.13% | 14.64% | |
| US Bank | -0.10% | 6.02% | |
| Oakstar Bank | -0.05% | 1.82% | |
| Jefferson Bank of Missouri | -0.05% | 1.70% | |
| Home Point Financial Corporation | -0.05% | 1.82% | |
| Flat Branch Mortgage | -0.04% | 10.78% | |
| Movement Mortgage | -0.03% | 9.42% | |
| Fairway Independent Mortgage Corporation | -0.02% | 2.61% | |
| Wells Fargo Bank | -0.01% | 4.43% | |
| Central Bank Jefferson City | 0.01% | 2.38% | |
| Community Mortgage | 0.02% | 3.63% | |
| PrimeLending | 0.02% | 3.06% | |
| Guild Mortgage Company | 0.05% | 10.78% | |
| DAS Acquisition Company | 0.08% | 10.10% | |
| Quicken Loans | 0.09% | 5.79% | |
| Flagstar Bank | 0.14% | 11.01% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First State Bank of St. Charles Missouri | -0.13% | 9.55% | |
| Flat Branch Mortgage | -0.11% | 3.98% | |
| Jefferson Bank of Missouri | -0.09% | 4.24% | |
| Central Bank Jefferson City | -0.09% | 5.84% | |
| Movement Mortgage | -0.08% | 3.71% | |
| Home Point Financial Corporation | -0.07% | 6.90% | |
| Fairway Independent Mortgage Corporation | -0.04% | 3.18% | |
| Community Mortgage | -0.03% | 1.59% | |
| Flagstar Bank | -0.01% | 7.43% | |
| Wells Fargo Bank | -0.00% | 4.51% | |
| Guild Mortgage Company | -0.00% | 5.04% | |
| Oakstar Bank | 0.00% | 3.98% | |
| DAS Acquisition Company | 0.01% | 9.02% | |
| PrimeLending | 0.01% | 1.33% | |
| US Bank | 0.07% | 7.43% | |
| Quicken Loans | 0.13% | 22.28% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First State Bank of St. Charles Missouri | -0.14% | 14.39% | |
| Jefferson Bank of Missouri | -0.07% | 2.84% | |
| Flat Branch Mortgage | -0.07% | 8.24% | |
| Home Point Financial Corporation | -0.07% | 3.31% | |
| Community Mortgage | -0.04% | 1.70% | |
| Movement Mortgage | -0.04% | 7.29% | |
| US Bank | -0.04% | 7.39% | |
| Central Bank Jefferson City | -0.04% | 3.98% | |
| Fairway Independent Mortgage Corporation | -0.02% | 2.56% | |
| Oakstar Bank | -0.02% | 2.56% | |
| Wells Fargo Bank | -0.01% | 4.83% | |
| PrimeLending | 0.02% | 2.27% | |
| Guild Mortgage Company | 0.05% | 9.56% | |
| DAS Acquisition Company | 0.07% | 9.09% | |
| Flagstar Bank | 0.12% | 10.32% | |
| Quicken Loans | 0.16% | 9.66% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First State Bank of St. Charles Missouri | -0.13% | 16.46% | |
| US Bank | -0.10% | 7.27% | |
| Home Point Financial Corporation | -0.07% | 1.51% | |
| Oakstar Bank | -0.06% | 1.78% | |
| Flat Branch Mortgage | -0.06% | 10.01% | |
| Jefferson Bank of Missouri | -0.05% | 1.92% | |
| Community Mortgage | -0.05% | 1.65% | |
| Movement Mortgage | -0.03% | 9.05% | |
| Fairway Independent Mortgage Corporation | -0.02% | 2.33% | |
| Wells Fargo Bank | -0.00% | 4.94% | |
| Central Bank Jefferson City | 0.01% | 2.74% | |
| PrimeLending | 0.02% | 2.61% | |
| Guild Mortgage Company | 0.06% | 11.25% | |
| DAS Acquisition Company | 0.08% | 9.60% | |
| Quicken Loans | 0.12% | 4.94% | |
| Flagstar Bank | 0.16% | 11.93% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First State Bank of St. Charles Missouri | -0.15% | 9.79% | |
| Flat Branch Mortgage | -0.12% | 4.28% | |
| Jefferson Bank of Missouri | -0.10% | 4.89% | |
| Central Bank Jefferson City | -0.09% | 6.73% | |
| Movement Mortgage | -0.09% | 3.36% | |
| Home Point Financial Corporation | -0.08% | 7.34% | |
| Fairway Independent Mortgage Corporation | -0.04% | 3.06% | |
| Community Mortgage | -0.04% | 1.83% | |
| Guild Mortgage Company | -0.01% | 5.81% | |
| Wells Fargo Bank | -0.00% | 4.59% | |
| Oakstar Bank | -0.00% | 4.28% | |
| Flagstar Bank | 0.00% | 6.73% | |
| PrimeLending | 0.01% | 1.53% | |
| DAS Acquisition Company | 0.02% | 7.95% | |
| US Bank | 0.08% | 7.65% | |
| Quicken Loans | 0.17% | 20.18% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.10% | 6.61% | |
| Movement Mortgage | -0.07% | 12.40% | |
| First State Bank of St. Charles Missouri | -0.05% | 4.96% | |
| Oakstar Bank | -0.04% | 3.31% | |
| Flat Branch Mortgage | -0.02% | 10.74% | |
| Fairway Independent Mortgage Corporation | -0.01% | 2.48% | |
| Central Bank Jefferson City | -0.01% | 0.83% | |
| Quicken Loans | -0.00% | 14.88% | |
| Jefferson Bank of Missouri | -0.00% | 0.83% | |
| Flagstar Bank | -0.00% | 4.96% | |
| Home Point Financial Corporation | 0.02% | 3.31% | |
| PrimeLending | 0.02% | 3.31% | |
| Community Mortgage | 0.06% | 14.88% | |
| DAS Acquisition Company | 0.07% | 16.53% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.10% | 7.62% | |
| Movement Mortgage | -0.07% | 14.29% | |
| First State Bank of St. Charles Missouri | -0.06% | 4.76% | |
| Oakstar Bank | -0.05% | 2.86% | |
| Flat Branch Mortgage | -0.02% | 12.38% | |
| Fairway Independent Mortgage Corporation | -0.02% | 2.86% | |
| Central Bank Jefferson City | -0.01% | 0.95% | |
| Jefferson Bank of Missouri | -0.01% | 0.95% | |
| Flagstar Bank | -0.00% | 4.76% | |
| PrimeLending | 0.02% | 3.81% | |
| Quicken Loans | 0.02% | 8.57% | |
| Home Point Financial Corporation | 0.03% | 2.86% | |
| Community Mortgage | 0.06% | 17.14% | |
| DAS Acquisition Company | 0.07% | 16.19% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.02% | 56.25% | |
| First State Bank of St. Charles Missouri | -0.00% | 6.25% | |
| Flagstar Bank | 0.00% | 6.25% | |
| Home Point Financial Corporation | 0.00% | 6.25% | |
| Oakstar Bank | 0.01% | 6.25% | |
| DAS Acquisition Company | 0.05% | 18.75% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.01% | 10.00% | |
| First State Bank of St. Charles Missouri | -0.01% | 10.00% | |
| Wells Fargo Bank | -0.01% | 30.00% | |
| Flagstar Bank | -0.00% | 20.00% | |
| DAS Acquisition Company | 0.00% | 10.00% | |
| Quicken Loans | 0.01% | 10.00% | |
| US Bank | 0.02% | 10.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.01% | 33.33% | |
| Wells Fargo Bank | 0.00% | 33.33% | |
| Quicken Loans | 0.01% | 33.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.01% | 28.57% | |
| First State Bank of St. Charles Missouri | -0.01% | 14.29% | |
| Flagstar Bank | -0.00% | 28.57% | |
| DAS Acquisition Company | 0.00% | 14.29% | |
| US Bank | 0.02% | 14.29% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First State Bank of St. Charles Missouri | -0.03% | 8.45% | |
| Movement Mortgage | -0.02% | 7.04% | |
| Flagstar Bank | -0.02% | 11.27% | |
| Fairway Independent Mortgage Corporation | -0.02% | 5.63% | |
| Guild Mortgage Company | -0.01% | 7.04% | |
| Wells Fargo Bank | -0.01% | 2.82% | |
| Home Point Financial Corporation | -0.01% | 4.23% | |
| DAS Acquisition Company | -0.01% | 8.45% | |
| US Bank | 0.01% | 2.82% | |
| PrimeLending | 0.01% | 5.63% | |
| Quicken Loans | 0.02% | 19.72% | |
| Community Mortgage | 0.02% | 2.82% | |
| Flat Branch Mortgage | 0.03% | 14.08% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First State Bank of St. Charles Missouri | -0.04% | 9.09% | |
| Fairway Independent Mortgage Corporation | -0.02% | 4.55% | |
| Home Point Financial Corporation | -0.02% | 4.55% | |
| Guild Mortgage Company | -0.02% | 11.36% | |
| Flagstar Bank | -0.02% | 11.36% | |
| Wells Fargo Bank | -0.02% | 4.55% | |
| DAS Acquisition Company | 0.00% | 4.55% | |
| Quicken Loans | 0.00% | 11.36% | |
| Movement Mortgage | 0.01% | 4.55% | |
| PrimeLending | 0.01% | 9.09% | |
| Community Mortgage | 0.02% | 4.55% | |
| Flat Branch Mortgage | 0.03% | 20.45% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Movement Mortgage | -0.04% | 11.11% | |
| Flagstar Bank | -0.02% | 11.11% | |
| DAS Acquisition Company | -0.01% | 14.81% | |
| Fairway Independent Mortgage Corporation | -0.01% | 7.41% | |
| First State Bank of St. Charles Missouri | -0.00% | 7.41% | |
| Flat Branch Mortgage | -0.00% | 3.70% | |
| Home Point Financial Corporation | 0.00% | 3.70% | |
| US Bank | 0.01% | 7.41% | |
| Quicken Loans | 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 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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