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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 VA Mortgage Bank Lenders in Missouri
Updated February 6, 2026
Market Overview
25
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 | Exceptional | Exceptional | $281 | -0.060% | 1,033 | |
2 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $363 | -0.078% | 500 | |
3 | Midwest BankCentre | Exceptional | Exceptional | Strong | Exceptional | Strong | $587 | +0.003% | 289 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $715 | +0.217% | 1,525 | |
5 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,437 | +0.124% | 1,157 | |
6 | Arvest Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,475 | +0.328% | 1,046 | |
7 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,280 | +0.156% | 547 | |
8 | Great Southern Bank | Exceptional | Strong | Strong | Strong | Exceptional | $924 | +0.094% | 461 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,720 | +0.186% | 661 | |
10 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,498 | -0.115% | 327 | |
11 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Strong | $872 | +0.256% | 323 | |
12 | Bell Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,943 | +0.371% | 310 | |
13 | The Central Trust Bank | Strong | Sound | Strong | Strong | Exceptional | $1,140 | +0.355% | 2,384 | |
14 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,745 | +0.446% | 646 | |
15 | Gateway First Bank | Strong | Sound | Exceptional | Strong | Strong | $1,581 | +0.553% | 241 | |
16 | Guaranty Bank | Strong | Strong | — | Strong | Strong | $826 | +0.177% | 194 | |
17 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,893 | +0.449% | 189 | |
18 | Oakstar Bank | Strong | Strong | Acceptable | Strong | Strong | $899 | +0.205% | 401 | |
19 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,162 | +0.138% | 338 | |
20 | Flanagan State Bank | Strong | Sound | Strong | Strong | Strong | $2,671 | +0.750% | 274 | |
21 | Paramount Bank | Strong | Sound | Strong | Strong | Strong | $1,557 | +0.278% | 231 | |
22 | Cadence Bank | Strong | Sound | Strong | Strong | Strong | $1,304 | +0.258% | 175 | |
23 | Hawthorn Bank | Strong | Strong | Sound | Sound | Strong | $1,073 | +0.076% | 175 | |
24 | Regions Bank | Strong | Sound | Strong | Sound | Strong | $1,432 | +0.384% | 406 | |
25 | Commerce Bank | Strong | Sound | Acceptable | Acceptable | Exceptional | $281 | +0.337% | 634 |
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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