Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Stifel Bank and Trust BankDirect | Exceptional | Strong | Strong | Strong | Exceptional | $267Fees | 0.063%Below | 1,013 | |
2 | U.S. Bank National Association BankDirect | Exceptional | Strong | Exceptional | Strong | Exceptional | $552Fees | 0.186%Above | 783 | |
3 | Associated Bank, National Association BankDirect | Strong | Exceptional | Exceptional | Strong | Strong | $217Fees | 0.146%Above | 139 | |
4 | First State Bank of St. Charles, Missouri BankDirect | Strong | Strong | Strong | Strong | Exceptional | $1,306Fees | 0.165%Above | 646 | |
5 | FCB Banks BankDirect | Strong | Exceptional | Strong | Sound | Exceptional | $714Fees | 0.085%Below | 642 | |
6 | United Community Bank BankDirect | Strong | Exceptional | Strong | Strong | Strong | $155Fees | 0.176%Above | 137 | |
7 | Bank of Springfield BankDirect | Strong | Strong | Strong | Strong | Strong | $788Fees | 0.296%Above | 131 | |
8 | Bank of America, National Association BankDirect | Strong | Strong | Exceptional | Strong | Strong | $1,282Fees | 0.037%Below | 331 | |
9 | Truist Bank BankDirect | Strong | Strong | Exceptional | Strong | Strong | $362Fees | 0.261%Above | 226 | |
10 | First Mid Bank & Trust, National Association BankDirect | Strong | Strong | Strong | Strong | Strong | $826Fees | 0.145%Above | 124 | |
11 | The Central Trust Bank BankDirect | Strong | Sound | Exceptional | Strong | Exceptional | $889Fees | 0.305%Above | 632 | |
12 | Carrollton Bank BankDirect | Strong | Strong | Strong | Strong | Exceptional | $828Fees | 0.169%Above | 589 | |
13 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $1,566Fees | 0.187%Above | 432 | |
14 | Busey Bank BankDirect | Strong | Strong | Strong | Exceptional | Strong | $861Fees | 0.350%Above | 139 | |
15 | PNC Bank, National Association BankDirect | Strong | Strong | Exceptional | Strong | Strong | $630Fees | 0.206%Above | 93 | |
16 | Midwest BankCentre BankDirect | Strong | Exceptional | Sound | Sound | Exceptional | $669Fees | 0.009%Above | 388 | |
17 | NBKC BANK BankDirect | Strong | Exceptional | Strong | Sound | Strong | $191Fees | 0.203%Below | 99 | |
18 | Great Southern Bank BankDirect | Strong | Strong | Strong | Strong | Strong | $874Fees | 0.196%Above | 79 | |
19 | First Bank BankDirect | Strong | Strong | Strong | Strong | Strong | $1,098Fees | 0.237%Above | 255 | |
20 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Exceptional | Sound | Strong | $1,987Fees | 0.135%Above | 159 | |
21 | Regions Bank BankDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,290Fees | 0.421%Above | 443 | |
22 | First State Community Bank BankDirect | Strong | Strong | Strong | Sound | Strong | $1,225Fees | 0.084%Above | 143 | |
23 | First Horizon Bank BankDirect | Strong | Sound | Exceptional | Strong | Strong | $818Fees | 0.248%Above | 119 | |
24 | Bell Bank BankDirect | Strong | Acceptable | Exceptional | Strong | Strong | $1,496Fees | 0.454%Above | 118 | |
25 | Flagstar Bank, N.A. BankDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $1,389Fees | 0.358%Above | 155 | |
26 | Commerce Bank BankDirect | Strong | Sound | Strong | Sound | Strong | $220Fees | 0.270%Above | 230 | |
27 | United Bank of Union BankDirect | Strong | Exceptional | Acceptable | Sound | Strong | $910Fees | 0.366%Below | 107 | |
28 | Midland States Bank BankDirect | Strong | Acceptable | Strong | Strong | Strong | $1,922Fees | 0.530%Above | 84 | |
29 | First National Bank of Waterloo BankDirect | Strong | Strong | Acceptable | Sound | Strong | $505Fees | 0.160%Below | 98 | |
30 | Sullivan Bank BankDirect | Sound | Strong | Acceptable | Sound | Strong | $588Fees | 0.134%Above | 104 | |
31 | Paramount Bank BankDirect | Sound | Sound | Sound | Acceptable | Exceptional | $1,558Fees | 0.303%Above | 243 | |
32 | USAA Federal Savings Bank BankDirect | Sound | Sound | Strong | Acceptable | Strong | $1,601Fees | 0.169%Below | 151 | |
33 | CNB Bank And Trust, N.A. BankDirect | Sound | Strong | Acceptable | Acceptable | Strong | $999Fees | 0.123%Above | 78 |
Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in St. Louis, MO), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.
The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.
Based on 2024 HMDA data, 175 lenders originated a combined 34,993 loans in St. Louis, MO. Safe Rate's rankings evaluate all of them — not just a curated shortlist.
Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in St. Louis, MO is 0.31%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.
HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.
No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.
Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In St. Louis, MO's rankings, all three institution types are evaluated on the same HMDA performance metrics.
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.