# Stifel Bank and Trust

> **Canonical URL:** https://saferate.com/lenders/stifel-bank-and-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Stifel Bank and Trust is a bank, headquartered in Saint Louis, MO, serving borrowers nationwide, with 2,630 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 24% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** CKVBED0S4DMLKJJ5XH28
- **Headquarters:** Saint Louis, MO
- **Geographic Reach:** National
- **States Served:** 50
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 46
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.075%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $399
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,630
- **Dollar Volume:** $1.3 billion
- **Applications Received:** 2,966
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $507,460
- **Average Borrower Income:** $298,179
- **Average Property Value:** $759,707

## Safe Rate Awards 🏆

- 💎 **VA Diamond Champion** (84%)
- 💎 **Jumbo Diamond Champion** (83%)
- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 2,160 | -0.077% | $448 | Strong 😀 |
| FHA | 65/100 | 89 | +0.177% | $-908 | Strong 😀 |
| VA | 68/100 | 53 | -0.551% | $175 | Strong 😀 |
| Jumbo | 87/100 | 326 | -0.050% | $485 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,852 loans, Score: 76/100 (Strong)
- Refinance: 308 loans, Score: 71/100 (Strong)

**FHA:**
- Purchase: 89 loans, Score: 66/100 (Strong)

**VA:**
- Purchase: 49 loans, Score: 68/100 (Strong)

**Jumbo:**
- Purchase: 263 loans, Score: 87/100 (Exceptional)
- Refinance: 63 loans, Score: 85/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 2,255 | $1.1B | -0.059% | Strong 😀 |
| Refinance | 70/100 | 375 | $217M | -0.179% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 1,033 | 1.38% | 85/100 |
| FL | 165 | 0.06% | 59/100 |
| CA | 145 | 0.05% | 58/100 |
| TX | 96 | 0.03% | 53/100 |
| IL | 87 | 0.07% | 58/100 |
| GA | 75 | 0.05% | 55/100 |
| NY | 60 | 0.05% | 54/100 |
| PA | 57 | 0.05% | 53/100 |
| NC | 56 | 0.04% | 51/100 |
| NJ | 56 | 0.07% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Louis, MO | MO-IL | 1,013 | 96/100 |
| Non |  | 220 | 59/100 |
| Dallas | TX | 38 | 51/100 |
| New York | NY-NJ | 38 | 52/100 |
| Phoenix | AZ | 35 | 49/100 |
| Chicago | IL | 32 | 49/100 |
| Atlanta | GA | 27 | 47/100 |
| Los Angeles | CA | 26 | 47/100 |
| Denver | CO | 22 | 46/100 |
| Lakewood | NJ | 22 | 47/100 |
| Nashville | TN | 22 | 47/100 |
| North Port | FL | 21 | 49/100 |
| Indianapolis | IN | 20 | 46/100 |
| Cape Coral | FL | 19 | 47/100 |
| Minneapolis | MN-WI | 18 | 44/100 |

## Where This Lender Ranks

Stifel Bank and Trust appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Missouri for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in St. Louis, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in St. Louis, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in St. Louis, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in St. Louis, MO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in St. Louis, MO for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Missouri for FHA Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Missouri for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Missouri for VA Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Missouri for Jumbo Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Missouri for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in St. Louis, MO for VA Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Missouri
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders)
- 🥉 **#3** in Missouri Banks
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks)
- 🥉 **#3** in Missouri for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in St. Louis, MO
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders)
- 🥉 **#3** in St. Louis, MO Banks
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks)
- 🥉 **#3** in St. Louis, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Missouri for Conventional Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in St. Louis, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Stifel Bank and Trust offer?

Stifel Bank and Trust offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Stifel Bank and Trust offer mortgages?

Stifel Bank and Trust is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Stifel Bank and Trust's mortgage rates?

Stifel Bank and Trust has a pricing score of 76/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.075% below market average.

### What type of lender is Stifel Bank and Trust?

Stifel Bank and Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Saint Louis, MO.

### What is Stifel Bank and Trust's loan approval success rate?

Stifel Bank and Trust has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/stifel-bank-and-trust

### How to Cite

> "Stifel Bank and Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/stifel-bank-and-trust

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