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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 FHA Mortgage Bank Lenders in Missouri
Updated February 6, 2026
Market Overview
29
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 | Stifel Bank and Trust | Exceptional | Exceptional | Strong | Strong | Exceptional | $281 | -0.060% | 1,033 | |
2 | Great Southern Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $924 | +0.094% | 461 | |
3 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,437 | +0.124% | 1,157 | |
4 | Midwest BankCentre | Exceptional | Exceptional | Strong | Strong | Strong | $587 | +0.003% | 289 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $715 | +0.217% | 1,525 | |
6 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,280 | +0.156% | 547 | |
7 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $363 | -0.078% | 500 | |
8 | UMB Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $735 | +0.082% | 208 | |
9 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,304 | +0.258% | 175 | |
10 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,140 | +0.355% | 2,384 | |
11 | Arvest Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,475 | +0.328% | 1,046 | |
12 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Strong | $872 | +0.256% | 323 | |
13 | Guaranty Bank | Exceptional | Strong | Strong | Strong | Strong | $826 | +0.177% | 194 | |
14 | Hawthorn Bank | Exceptional | Exceptional | Sound | Sound | Strong | $1,073 | +0.076% | 175 | |
15 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,745 | +0.446% | 646 | |
16 | Paramount Bank | Strong | Strong | Strong | Sound | Strong | $1,557 | +0.278% | 231 | |
17 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,893 | +0.449% | 189 | |
18 | Commerce Bank | Strong | Sound | Strong | Sound | Exceptional | $281 | +0.337% | 634 | |
19 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,432 | +0.384% | 406 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,720 | +0.186% | 661 | |
21 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,162 | +0.138% | 338 | |
22 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,943 | +0.371% | 310 | |
23 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,581 | +0.553% | 241 | |
24 | First Federal Bank of Kansas City | Strong | Sound | — | Strong | Strong | $1,423 | +0.422% | 150 | |
25 | First State Community Bank | Strong | Sound | Sound | Acceptable | Exceptional | $1,071 | +0.031% | 592 | |
26 | Oakstar Bank | Strong | Strong | Acceptable | Acceptable | Strong | $899 | +0.205% | 401 | |
27 | Flanagan State Bank | Strong | Acceptable | Strong | Strong | Strong | $2,671 | +0.750% | 274 | |
28 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Strong | $1,489 | -0.027% | 472 | |
29 | 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 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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