# Best Mortgage Lenders in St. Louis, MO - 2026


> **📋 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


> Compare the top mortgage lenders in St. Louis, MO. Data-driven rankings based on pricing, approval rates, and local market expertise.

## Market Overview

- **Location:** St. Louis, MO
- **Ranking Type:** Best Mortgage Lenders
- **Scope:** All Mortgage Lenders
- **Total Lenders in Market:** 175
- **Total Loan Volume:** 34,993
- **Last Updated:** 2026-02-05

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [FCB Banks](https://saferate.com/lenders/fcb-banks) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 2 | [Midwest BankCentre](https://saferate.com/lenders/midwest-bankcentre) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 3 | [Stifel Bank and Trust](https://saferate.com/lenders/stifel-bank-and-trust) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 4 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 5 | [First State Bank of St. Charles, Missouri](https://saferate.com/lenders/first-state-bank-of-st-charles-missouri) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 6 | [Carrollton Bank](https://saferate.com/lenders/carrollton-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 7 | [SCOTT CREDIT UNION](https://saferate.com/lenders/scott-credit-union) | Credit Union | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 8 | [VICTORY MORTGAGE, L.L.C.](https://saferate.com/lenders/victory-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 9 | [Busey Bank](https://saferate.com/lenders/busey-bank) | Bank | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 10 | [Associated Bank, National Association](https://saferate.com/lenders/associated-bank-national-association) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 11 | [United Community Bank](https://saferate.com/lenders/united-community-bank-il) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 12 | [Bank of Springfield](https://saferate.com/lenders/bank-of-springfield) | Bank | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 13 | [United Bank of Union](https://saferate.com/lenders/united-bank-of-union) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 14 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 15 | [FLAT BRANCH MORTGAGE, INC.](https://saferate.com/lenders/flat-branch-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 16 | [JLB CORPORATION](https://saferate.com/lenders/jlb) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 17 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 18 | [First Bank](https://saferate.com/lenders/first-bank-mo) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 19 | [Truist Bank](https://saferate.com/lenders/truist-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 20 | [First Mid Bank & Trust, National Association](https://saferate.com/lenders/first-mid-bank-trust-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 21 | [Sullivan Bank](https://saferate.com/lenders/sullivan-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 22 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 23 | [Great Southern Bank](https://saferate.com/lenders/great-southern-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 24 | [DELMAR FINANCIAL COMPANY](https://saferate.com/lenders/delmar-financial) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 25 | [GERSHMAN INVESTMENT CORP.](https://saferate.com/lenders/gershman-investment) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

---

*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-05*

[View interactive rankings on Safe Rate](https://saferate.com/st-louis-mo/best-mortgage-lenders)