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Stifel Bank and Trust
Bank|Saint Louis, MO|National
Loans Originated
2,630
Applications
2,966
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards💎VA Champion💎Jumbo Champion⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.075%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$399
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
88.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 7.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Report Card
Stifel Bank and Trust performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 46 metro areas · 50 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$507,460
Average Borrower Income
$298,179
Average Property Value
$759,707
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 2,160 | 82.1% | -0.077% | $448 |
FHA Loans | Strong | Strong | Exceptional | Strong | 89 | 3.4% | +0.177% | -$908 |
VA Loans | Exceptional | Strong | Exceptional | Exceptional | 53 | 2.0% | -0.551% | $175 |
Jumbo Loans | Exceptional | Exceptional | Strong | Exceptional | 326 | 12.4% | -0.050% | $485 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 2,255 | 85.7% | -0.059% | $407 |
Refinance | Strong | Strong | Strong | Exceptional | 375 | 14.3% | -0.179% | $348 |
Geographic Coverage
Metro Areas
45
States Served
50
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
St. Louis, MO, MO-ILMSA
Volume: 1,013Mix: 38.52%
Place Specialization
Exceptional
2
New York, NY-NJMSA
Volume: 38Mix: 1.44%
Place Specialization
Sound
3
Dallas, TXMSA
Volume: 38Mix: 1.44%
Place Specialization
Sound
4
Phoenix, AZMSA
Volume: 35Mix: 1.33%
Place Specialization
Sound
5
North Port, FLMSA
Volume: 21Mix: 0.80%
Place Specialization
Sound
6
Chicago, ILMSA
Volume: 32Mix: 1.22%
Place Specialization
Sound
7
Lakewood, NJMSA
Volume: 22Mix: 0.84%
Place Specialization
Sound
8
Los Angeles, CAMSA
Volume: 26Mix: 0.99%
Place Specialization
Sound
9
Atlanta, GAMSA
Volume: 27Mix: 1.03%
Place Specialization
Sound
10
Cape Coral, FLMSA
Volume: 19Mix: 0.72%
Place Specialization
Sound
Showing 10 of 45 metro areas
Top States by Place Specialization Score
1
MOState
Volume: 1,033Mix: 39.28%
Place Specialization
Exceptional
2
FLState
Volume: 165Mix: 6.27%
Place Specialization
Sound
3
ILState
Volume: 87Mix: 3.31%
Place Specialization
Sound
4
CAState
Volume: 145Mix: 5.51%
Place Specialization
Sound
5
ALState
Volume: 54Mix: 2.05%
Place Specialization
Sound
6
GAState
Volume: 75Mix: 2.85%
Place Specialization
Sound
7
NJState
Volume: 56Mix: 2.13%
Place Specialization
Sound
8
NYState
Volume: 60Mix: 2.28%
Place Specialization
Sound
9
TXState
Volume: 96Mix: 3.65%
Place Specialization
Sound
10
COState
Volume: 55Mix: 2.09%
Place Specialization
Sound
Showing 10 of 37 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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