Which mortgage lender in the Rolla, 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 Rolla, 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 Rolla, MO area in terms of interest rate is Navy Federal Credit Union, with an average “Rate Difference” of -0.18%. This means that, comparing similar borrowers, Navy Federal Credit Union provided a -0.18% lower interest rate for its customers than other lenders in the area. Navy Federal Credit Union has a market share of 10.1%. On the other hand, the most popular lender in the Rolla, MO area is Flat Branch Mortgage, with a larger market share of 35.8%. Flat Branch Mortgage is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.01% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Rolla, 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 Rolla, MO is Flat Branch Mortgage. 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 Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Mortgage Solutions Financial. The cheapest VA mortgage provider is Navy Federal Credit Union. 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 Rolla, MO
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.18% | 10.09% | |
| Flat Branch Mortgage | -0.01% | 35.78% | |
| US Bank | -0.01% | 8.65% | |
| USAA | -0.01% | 9.44% | |
| Wells Fargo Bank | 0.02% | 4.19% | |
| New American Funding | 0.05% | 4.98% | |
| DAS Acquisition Company | 0.07% | 8.91% | |
| Quicken Loans | 0.07% | 11.53% | |
| Mortgage Solutions Financial | 0.08% | 6.42% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.19% | 11.26% | |
| US Bank | -0.00% | 6.79% | |
| Flat Branch Mortgage | -0.00% | 41.23% | |
| USAA | 0.00% | 9.93% | |
| Wells Fargo Bank | 0.02% | 4.30% | |
| New American Funding | 0.07% | 4.30% | |
| Quicken Loans | 0.08% | 4.80% | |
| DAS Acquisition Company | 0.09% | 9.93% | |
| Mortgage Solutions Financial | 0.09% | 7.45% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.04% | 7.55% | |
| Flat Branch Mortgage | -0.04% | 15.09% | |
| Navy Federal Credit Union | -0.04% | 5.66% | |
| US Bank | -0.03% | 15.72% | |
| Mortgage Solutions Financial | -0.02% | 2.52% | |
| DAS Acquisition Company | -0.01% | 5.03% | |
| Wells Fargo Bank | 0.00% | 3.77% | |
| New American Funding | 0.00% | 7.55% | |
| Quicken Loans | 0.05% | 37.11% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flat Branch Mortgage | -0.06% | 30.45% | |
| US Bank | -0.05% | 20.45% | |
| Wells Fargo Bank | 0.02% | 9.55% | |
| New American Funding | 0.03% | 3.18% | |
| USAA | 0.03% | 5.45% | |
| DAS Acquisition Company | 0.03% | 5.00% | |
| Mortgage Solutions Financial | 0.06% | 2.27% | |
| Navy Federal Credit Union | 0.07% | 6.36% | |
| Quicken Loans | 0.09% | 17.27% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flat Branch Mortgage | -0.06% | 37.25% | |
| US Bank | -0.06% | 15.69% | |
| Wells Fargo Bank | 0.03% | 10.46% | |
| New American Funding | 0.04% | 3.27% | |
| USAA | 0.04% | 5.88% | |
| DAS Acquisition Company | 0.05% | 5.88% | |
| Mortgage Solutions Financial | 0.08% | 3.27% | |
| Navy Federal Credit Union | 0.10% | 7.19% | |
| Quicken Loans | 0.10% | 11.11% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.05% | 31.34% | |
| Navy Federal Credit Union | -0.02% | 4.48% | |
| DAS Acquisition Company | -0.02% | 2.99% | |
| Wells Fargo Bank | -0.00% | 7.46% | |
| Flat Branch Mortgage | -0.00% | 14.93% | |
| New American Funding | -0.00% | 2.99% | |
| USAA | 0.00% | 4.48% | |
| Quicken Loans | 0.05% | 31.34% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Mortgage Solutions Financial | -0.04% | 13.39% | |
| Flat Branch Mortgage | -0.03% | 35.71% | |
| Navy Federal Credit Union | -0.01% | 0.89% | |
| New American Funding | -0.00% | 10.71% | |
| US Bank | -0.00% | 4.46% | |
| Quicken Loans | 0.01% | 19.64% | |
| DAS Acquisition Company | 0.10% | 15.18% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Mortgage Solutions Financial | -0.04% | 16.30% | |
| Flat Branch Mortgage | -0.03% | 40.22% | |
| New American Funding | -0.01% | 10.87% | |
| Navy Federal Credit Union | -0.01% | 1.09% | |
| US Bank | -0.00% | 5.43% | |
| Quicken Loans | 0.02% | 9.78% | |
| DAS Acquisition Company | 0.11% | 16.30% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flat Branch Mortgage | -0.02% | 15.00% | |
| Quicken Loans | 0.00% | 65.00% | |
| DAS Acquisition Company | 0.01% | 10.00% | |
| New American Funding | 0.02% | 10.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.00% | 50.00% | |
| US Bank | 0.00% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.00% | 50.00% | |
| US Bank | 0.00% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.23% | 14.45% | |
| USAA | -0.01% | 13.99% | |
| Wells Fargo Bank | 0.01% | 2.33% | |
| Flat Branch Mortgage | 0.01% | 38.69% | |
| DAS Acquisition Company | 0.07% | 9.32% | |
| US Bank | 0.09% | 3.50% | |
| Quicken Loans | 0.09% | 6.53% | |
| New American Funding | 0.09% | 4.43% | |
| Mortgage Solutions Financial | 0.13% | 6.76% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.25% | 15.60% | |
| USAA | 0.00% | 14.21% | |
| Wells Fargo Bank | 0.02% | 2.79% | |
| Flat Branch Mortgage | 0.03% | 43.18% | |
| Quicken Loans | 0.05% | 0.84% | |
| DAS Acquisition Company | 0.08% | 10.03% | |
| US Bank | 0.10% | 3.34% | |
| New American Funding | 0.14% | 3.06% | |
| Mortgage Solutions Financial | 0.16% | 6.96% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flat Branch Mortgage | -0.08% | 15.71% | |
| USAA | -0.05% | 12.86% | |
| Navy Federal Credit Union | -0.05% | 8.57% | |
| Mortgage Solutions Financial | -0.01% | 5.71% | |
| DAS Acquisition Company | -0.01% | 5.71% | |
| New American Funding | 0.01% | 11.43% | |
| US Bank | 0.01% | 4.29% | |
| Quicken Loans | 0.06% | 35.71% |
* Data is compiled for the Rolla, MO commuting zone area, which comprises of counties of Dent County, MO, Maries County, MO, Phelps County, MO, Pulaski County, MO, and Reynolds County, MO. This includes cities/towns/communities of Rolla, MO as well as Waynesville, MO, St. Robert, MO, Richland, MO, Salem, MO, Dixon, MO, St. James, MO, Crocker, MO, Belle, MO, Doolittle, MO, Argyle, MO, Ellington, MO, Edgar Springs, MO, and Bunker, 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
This page contains information about the top mortgage lenders in the Rolla, MO area. For mortgage lender rankings in other cities, click here.