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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 Conventional Mortgage Bank Lenders in Missouri
Updated February 6, 2026
Market Overview
35
Total Lenders
74,144
Total Loans
0.36%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $715 | +0.217% | 1,525 | |
2 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Strong | Exceptional | $1,437 | +0.124% | 1,157 | |
3 | Stifel Bank and Trust | Exceptional | Strong | Strong | Strong | Exceptional | $281 | -0.060% | 1,033 | |
4 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,280 | +0.156% | 547 | |
5 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $363 | -0.078% | 500 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,489 | -0.027% | 472 | |
7 | Great Southern Bank | Exceptional | Strong | Strong | Strong | Exceptional | $924 | +0.094% | 461 | |
8 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $482 | +0.229% | 273 | |
9 | HNB National Bank | Exceptional | Strong | Strong | Exceptional | Strong | $466 | +0.094% | 207 | |
10 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,140 | +0.355% | 2,384 | |
11 | First State Community Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,071 | +0.031% | 592 | |
12 | Oakstar Bank | Exceptional | Strong | Strong | Strong | Strong | $899 | +0.205% | 401 | |
13 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,162 | +0.138% | 338 | |
14 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Strong | $872 | +0.256% | 323 | |
15 | Midwest BankCentre | Exceptional | Exceptional | Sound | Sound | Strong | $587 | +0.003% | 289 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,720 | +0.186% | 661 | |
17 | Guaranty Bank | Strong | Strong | Sound | Strong | Strong | $826 | +0.177% | 194 | |
18 | Cadence Bank | Strong | Sound | Exceptional | Strong | Strong | $1,304 | +0.258% | 175 | |
19 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,475 | +0.328% | 1,046 | |
20 | Commerce Bank | Strong | Sound | Strong | Sound | Exceptional | $281 | +0.337% | 634 | |
21 | Southern Bank | Strong | Sound | Strong | Strong | Strong | $568 | +0.363% | 297 | |
22 | The Bank of Missouri | Strong | Sound | Strong | Strong | Strong | $935 | +0.183% | 263 | |
23 | UMB Bank, National Association | Strong | Strong | Sound | Sound | Strong | $735 | +0.082% | 208 | |
24 | Hawthorn Bank | Strong | Strong | Sound | Sound | Strong | $1,073 | +0.076% | 175 | |
25 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,745 | +0.446% | 646 | |
26 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,432 | +0.384% | 406 | |
27 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,943 | +0.371% | 310 | |
28 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,581 | +0.553% | 241 | |
29 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,893 | +0.449% | 189 | |
30 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,498 | -0.115% | 327 | |
31 | First Federal Bank of Kansas City | Strong | Sound | Sound | Sound | Strong | $1,423 | +0.422% | 150 | |
32 | Flanagan State Bank | Strong | Acceptable | Strong | Sound | Strong | $2,671 | +0.750% | 274 | |
33 | Paramount Bank | Strong | Sound | Sound | Acceptable | Strong | $1,557 | +0.278% | 231 | |
34 | Southwest Missouri Bank | Sound | Mediocre | Strong | Strong | Strong | $704 | +0.711% | 166 | |
35 | Ozarks Federal Savings and Loan Association | Sound | Acceptable | Acceptable | Acceptable | Strong | $545 | +0.212% | 172 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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