# Best Bank Mortgage Lenders in Missouri

**As of:** 2026-06-03

Compare the top banks offering mortgages in Missouri. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/missouri/best-mortgage-lenders/banks


> **📋 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


## Market Statistics

- **Total Lenders:** 254
- **Total Loans:** 74,144
- **Median Rate Spread:** 0.35575303643724693%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | U.S. Bank National Association | 86 | 75 | 71 | 1,525 | Bank |
| 2 | First State Bank of St. Charles, Missouri | 86 | 66 | 70 | 1,157 | Bank |
| 3 | Stifel Bank and Trust | 86 | 76 | 73 | 1,033 | Bank |
| 4 | First Bank | 86 | 62 | 71 | 547 | Bank |
| 5 | Great Southern Bank | 86 | 76 | 73 | 461 | Bank |
| 6 | Midwest BankCentre | 86 | 84 | 71 | 289 | Bank |
| 7 | Bank of America, National Association | 80 | 73 | 75 | 472 | Bank |
| 8 | Oakstar Bank | 80 | 69 | 76 | 401 | Bank |
| 9 | Carrollton Bank | 80 | 71 | 70 | 323 | Bank |
| 10 | Truist Bank | 80 | 70 | 68 | 273 | Bank |
| 11 | HNB National Bank | 80 | 70 | 63 | 207 | Bank |
| 12 | Guaranty Bank | 80 | 76 | 74 | 194 | Bank |
| 13 | The Central Trust Bank | 78 | 47 | 75 | 2,384 | Bank |
| 14 | NBKC BANK | 78 | 91 | 59 | 500 | Bank |
| 15 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 661 | Bank |
| 16 | Regions Bank | 73 | 41 | 64 | 406 | Bank |
| 17 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 338 | Bank |
| 18 | UMB Bank, National Association | 73 | 77 | 57 | 208 | Bank |
| 19 | Cadence Bank | 73 | 47 | 73 | 175 | Bank |
| 20 | Hawthorn Bank | 73 | 79 | 46 | 175 | Bank |
| 21 | First Federal Bank of Kansas City | 73 | 40 | 65 | 150 | Bank |
| 22 | Commerce Bank | 71 | 52 | 47 | 634 | Bank |
| 23 | Arvest Bank | 68 | 39 | 71 | 1,046 | Bank |
| 24 | First State Community Bank | 68 | 64 | 38 | 592 | Bank |
| 25 | Bell Bank | 68 | 35 | 82 | 310 | Bank |
| 26 | USAA Federal Savings Bank | 66 | 54 | 45 | 327 | Bank |
| 27 | Southern Bank | 66 | 52 | 55 | 297 | Bank |
| 28 | The Bank of Missouri | 66 | 49 | 54 | 263 | Bank |
| 29 | Paramount Bank | 66 | 56 | 47 | 231 | Bank |
| 30 | Flagstar Bank, N.A. | 63 | 40 | 76 | 646 | Bank |
| 31 | Gateway First Bank | 63 | 29 | 79 | 241 | Bank |
| 32 | Plains Commerce Bank | 63 | 37 | 67 | 189 | Bank |
| 33 | Flanagan State Bank | 58 | 24 | 60 | 274 | Bank |
| 34 | Ozarks Federal Savings and Loan Association | 58 | 35 | 55 | 172 | Bank |
| 35 | Southwest Missouri Bank | 50 | 19 | 68 | 166 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Missouri.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.