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Stifel Bank and Trust

Bank•Saint Louis, MOHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Stifel Bank and Trust — 2.6k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
National · 45 mkts
Safe Rate Awards
VA Champion
VA
Champion
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate 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

Explore another lender or local market

Report Card

Stifel Bank and Trust performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 7.5 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 46 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume2,160
Mix82.1%
Spread
-0.077%Below
Fees
$448Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume89
Mix3.4%
Spread
+0.177%Above
Fees
$908Credit
VA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume53
Mix2.0%
Spread
-0.551%Below
Fees
$175Fees
Jumbo Loans
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Exceptional
Volume326
Mix12.4%
Spread
-0.050%Below
Fees
$485Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume2,255
Mix85.7%
Spread
-0.059%Below
Fees
$407Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume375
Mix14.3%
Spread
-0.179%Below
Fees
$348Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
2,630
Applications
2,966
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
-0.075%
vs. market APOR
Avg Net Fees
$399
Origination − Credits
Pullthrough Rate
88.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$507,460
Avg Borrower Income
$298,179
Avg Property Value
$759,707

Geographic Coverage

Geographic Performance

Metro Areas
45
markets with activity
States Served
50
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

50
50 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© WeaponizingArchitecture · CC BY-SA 4.0
St. Louis, MO, MO-ILMetro
Volume 1,013Mix 38.52% of portfolio
96/100
Exceptional
2© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 38Mix 1.44% of portfolio
52/100
Sound
3© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 38Mix 1.44% of portfolio
51/100
Sound
4© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 35Mix 1.33% of portfolio
49/100
Sound
5© Rino Landa · CC BY-SA 4.0
North Port, FLMetro
Volume 21Mix 0.80% of portfolio
49/100
Sound
6© John Picken · CC BY 2.0
Chicago, ILMetro
Volume 32Mix 1.22% of portfolio
49/100
Sound
7© Mr. Matté · CC BY-SA 4.0
Lakewood, NJMetro
Volume 22Mix 0.84% of portfolio
47/100
Sound
8© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 26Mix 0.99% of portfolio
47/100
Sound
9© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 27Mix 1.03% of portfolio
47/100
Sound
10© Eric Friedebach · CC BY 3.0
Cape Coral, FLMetro
Volume 19Mix 0.72% of portfolio
47/100
Sound
Showing 10 of 45 metro areas

Top States by Place Specialization Score

Missouri
Missouri
1
MissouriState
Volume 1,033Mix 39.28% of portfolio
85/100
Exceptional
Florida
Florida
2
FloridaState
Volume 165Mix 6.27% of portfolio
59/100
Sound
Illinois
Illinois
3
IllinoisState
Volume 87Mix 3.31% of portfolio
58/100
Sound
California
California
4
CaliforniaState
Volume 145Mix 5.51% of portfolio
58/100
Sound
Alabama
Alabama
5
AlabamaState
Volume 54Mix 2.05% of portfolio
56/100
Sound
Georgia
Georgia
6
GeorgiaState
Volume 75Mix 2.85% of portfolio
55/100
Sound
New Jersey
New Jersey
7
New JerseyState
Volume 56Mix 2.13% of portfolio
55/100
Sound
New York
New York
8
New YorkState
Volume 60Mix 2.28% of portfolio
54/100
Sound
Texas
Texas
9
TexasState
Volume 96Mix 3.65% of portfolio
53/100
Sound
Colorado
Colorado
10
ColoradoState
Volume 55Mix 2.09% of portfolio
53/100
Sound
Showing 10 of 37 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.