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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Bank Mortgage Lenders in Missouri
Updated February 6, 2026
Market Overview
35
Total Lenders
21,087
Total Loans
0.21%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Midwest BankCentre | Exceptional | Exceptional | Strong | Strong | $587 | +0.003% | 289 | |
2 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $715 | +0.217% | 1,525 | |
3 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | $1,437 | +0.124% | 1,157 | |
4 | Stifel Bank and Trust | Exceptional | Strong | Strong | Exceptional | $281 | -0.060% | 1,033 | |
5 | First Bank | Exceptional | Strong | Strong | Exceptional | $1,280 | +0.156% | 547 | |
6 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $363 | -0.078% | 500 | |
7 | Great Southern Bank | Exceptional | Strong | Strong | Exceptional | $924 | +0.094% | 461 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,489 | -0.027% | 472 | |
9 | Oakstar Bank | Strong | Strong | Strong | Strong | $899 | +0.205% | 401 | |
10 | Carrollton Bank | Strong | Strong | Strong | Strong | $872 | +0.256% | 323 | |
11 | Truist Bank | Strong | Strong | Strong | Strong | $482 | +0.229% | 273 | |
12 | HNB National Bank | Strong | Strong | Strong | Strong | $466 | +0.094% | 207 | |
13 | Guaranty Bank | Strong | Strong | Strong | Strong | $826 | +0.177% | 194 | |
14 | The Central Trust Bank | Strong | Sound | Strong | Exceptional | $1,140 | +0.355% | 2,384 | |
15 | First State Community Bank | Strong | Strong | Acceptable | Exceptional | $1,071 | +0.031% | 592 | |
16 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,162 | +0.138% | 338 | |
17 | UMB Bank, National Association | Strong | Strong | Sound | Strong | $735 | +0.082% | 208 | |
18 | Hawthorn Bank | Strong | Strong | Sound | Strong | $1,073 | +0.076% | 175 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,720 | +0.186% | 661 | |
20 | Commerce Bank | Strong | Sound | Sound | Exceptional | $281 | +0.337% | 634 | |
21 | Regions Bank | Strong | Sound | Strong | Strong | $1,432 | +0.384% | 406 | |
22 | Cadence Bank | Strong | Sound | Strong | Strong | $1,304 | +0.258% | 175 | |
23 | First Federal Bank of Kansas City | Strong | Sound | Strong | Strong | $1,423 | +0.422% | 150 | |
24 | Arvest Bank | Strong | Acceptable | Strong | Exceptional | $1,475 | +0.328% | 1,046 | |
25 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,498 | -0.115% | 327 | |
26 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $1,943 | +0.371% | 310 | |
27 | Southern Bank | Strong | Sound | Sound | Strong | $568 | +0.363% | 297 | |
28 | The Bank of Missouri | Strong | Sound | Sound | Strong | $935 | +0.183% | 263 | |
29 | Paramount Bank | Strong | Sound | Sound | Strong | $1,557 | +0.278% | 231 | |
30 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,745 | +0.446% | 646 | |
31 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $1,581 | +0.553% | 241 | |
32 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $1,893 | +0.449% | 189 | |
33 | Flanagan State Bank | Sound | Acceptable | Sound | Strong | $2,671 | +0.750% | 274 | |
34 | Ozarks Federal Savings and Loan Association | Sound | Acceptable | Sound | Strong | $545 | +0.212% | 172 | |
35 | Southwest Missouri Bank | Sound | Mediocre | Strong | Strong | $704 | +0.711% | 166 |
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
Place
Local market expertise (33%)
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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