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, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the St. Joseph, 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 St. Joseph, MO area in terms of interest rate is Fairway Independent Mortgage Corporation, with an average “Rate Difference” of -0.09%. This means that, comparing similar borrowers, Fairway Independent Mortgage Corporation provided a -0.09% lower interest rate for its customers than other lenders in the area. Fairway Independent Mortgage Corporation has a market share of 29.7%. It is the most popular lender in the St. Joseph, MO area.
Our detailed ranking of mortgage lenders in 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, going by historical data, the cheapest lender for Conventional mortgages in St. Joseph, MO 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 Flat Branch Mortgage. The cheapest VA mortgage provider is Wells Fargo Bank. 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 St. Joseph, MO
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.09% | 29.71% | |
| US Bank | -0.08% | 12.96% | |
| Flat Branch Mortgage | -0.05% | 2.95% | |
| NBH Bank | -0.03% | 3.37% | |
| Wells Fargo Bank | 0.01% | 3.03% | |
| BancMac | 0.01% | 3.45% | |
| Quicken Loans | 0.04% | 14.90% | |
| Flanagan State Bank | 0.06% | 2.78% | |
| Commerce Bank | 0.06% | 6.31% | |
| PrimeLending | 0.13% | 20.54% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.10% | 11.95% | |
| Fairway Independent Mortgage Corporation | -0.08% | 35.15% | |
| Flat Branch Mortgage | -0.06% | 3.25% | |
| NBH Bank | -0.03% | 2.09% | |
| Wells Fargo Bank | -0.02% | 2.32% | |
| BancMac | -0.01% | 2.78% | |
| Quicken Loans | 0.03% | 7.77% | |
| Commerce Bank | 0.06% | 5.92% | |
| Flanagan State Bank | 0.06% | 3.48% | |
| PrimeLending | 0.14% | 25.29% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.16% | 15.34% | |
| US Bank | -0.03% | 15.64% | |
| NBH Bank | -0.01% | 6.75% | |
| Flat Branch Mortgage | -0.00% | 2.15% | |
| PrimeLending | 0.00% | 7.98% | |
| Flanagan State Bank | 0.03% | 0.92% | |
| BancMac | 0.04% | 5.21% | |
| Wells Fargo Bank | 0.04% | 4.91% | |
| Quicken Loans | 0.06% | 33.74% | |
| Commerce Bank | 0.08% | 7.36% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.12% | 26.26% | |
| US Bank | -0.08% | 16.84% | |
| Flat Branch Mortgage | -0.03% | 2.39% | |
| NBH Bank | -0.02% | 4.51% | |
| Wells Fargo Bank | 0.02% | 4.51% | |
| BancMac | 0.02% | 5.17% | |
| Flanagan State Bank | 0.07% | 2.25% | |
| Commerce Bank | 0.09% | 8.36% | |
| Quicken Loans | 0.10% | 11.67% | |
| PrimeLending | 0.13% | 18.04% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.11% | 15.49% | |
| Fairway Independent Mortgage Corporation | -0.10% | 30.99% | |
| Flat Branch Mortgage | -0.03% | 2.62% | |
| NBH Bank | -0.01% | 2.62% | |
| Wells Fargo Bank | -0.00% | 3.62% | |
| BancMac | 0.00% | 4.43% | |
| Flanagan State Bank | 0.07% | 2.82% | |
| Commerce Bank | 0.09% | 8.25% | |
| Quicken Loans | 0.11% | 5.84% | |
| PrimeLending | 0.15% | 23.34% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.18% | 17.12% | |
| US Bank | -0.03% | 19.46% | |
| Flat Branch Mortgage | -0.01% | 1.95% | |
| NBH Bank | -0.01% | 8.17% | |
| PrimeLending | -0.01% | 7.78% | |
| Flanagan State Bank | 0.04% | 1.17% | |
| BancMac | 0.04% | 6.61% | |
| Wells Fargo Bank | 0.05% | 6.23% | |
| Commerce Bank | 0.09% | 8.56% | |
| Quicken Loans | 0.11% | 22.96% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flat Branch Mortgage | -0.11% | 3.25% | |
| NBH Bank | -0.06% | 1.36% | |
| Commerce Bank | -0.06% | 2.44% | |
| Fairway Independent Mortgage Corporation | -0.06% | 37.40% | |
| Quicken Loans | -0.05% | 17.89% | |
| BancMac | -0.04% | 0.27% | |
| US Bank | -0.03% | 6.23% | |
| Wells Fargo Bank | -0.02% | 0.27% | |
| Flanagan State Bank | 0.05% | 4.34% | |
| PrimeLending | 0.14% | 26.56% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flat Branch Mortgage | -0.13% | 3.43% | |
| NBH Bank | -0.08% | 1.25% | |
| Commerce Bank | -0.07% | 2.18% | |
| Fairway Independent Mortgage Corporation | -0.07% | 42.06% | |
| BancMac | -0.05% | 0.31% | |
| US Bank | -0.04% | 7.17% | |
| Quicken Loans | -0.04% | 9.35% | |
| Wells Fargo Bank | -0.03% | 0.31% | |
| Flanagan State Bank | 0.04% | 4.98% | |
| PrimeLending | 0.14% | 28.97% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.01% | 75.00% | |
| Commerce Bank | 0.01% | 4.17% | |
| Fairway Independent Mortgage Corporation | 0.02% | 6.25% | |
| NBH Bank | 0.02% | 2.08% | |
| Flat Branch Mortgage | 0.03% | 2.08% | |
| PrimeLending | 0.06% | 10.42% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.03% | 1.54% | |
| Commerce Bank | -0.02% | 4.62% | |
| US Bank | -0.02% | 6.15% | |
| BancMac | -0.02% | 1.54% | |
| Flat Branch Mortgage | -0.01% | 7.69% | |
| Fairway Independent Mortgage Corporation | -0.01% | 26.15% | |
| NBH Bank | 0.01% | 1.54% | |
| Quicken Loans | 0.01% | 35.38% | |
| PrimeLending | 0.02% | 15.38% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.03% | 2.27% | |
| Commerce Bank | -0.02% | 6.82% | |
| US Bank | -0.02% | 6.82% | |
| BancMac | -0.01% | 2.27% | |
| Flat Branch Mortgage | -0.01% | 9.09% | |
| Quicken Loans | -0.01% | 18.18% | |
| Fairway Independent Mortgage Corporation | -0.00% | 31.82% | |
| NBH Bank | 0.01% | 2.27% | |
| PrimeLending | 0.03% | 20.45% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.04% | 14.29% | |
| US Bank | -0.03% | 4.76% | |
| PrimeLending | -0.02% | 4.76% | |
| Flat Branch Mortgage | -0.02% | 4.76% | |
| Quicken Loans | 0.01% | 71.43% |
* 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 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
This page contains information about the top mortgage lenders in the St. Joseph, MO area. For mortgage lender rankings in other cities, click here.