# Best Mortgage Lenders for FHA Loans 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 FHA mortgage lenders in St. Louis, MO across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** St. Louis, MO
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** FHA
- **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 | [Stifel Bank and Trust](https://saferate.com/lenders/stifel-bank-and-trust) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 2 | [First State Bank of St. Charles, Missouri](https://saferate.com/lenders/first-state-bank-of-st-charles-missouri) | Bank | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 3 | [Midwest BankCentre](https://saferate.com/lenders/midwest-bankcentre) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 4 | [Carrollton Bank](https://saferate.com/lenders/carrollton-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 5 | [Associated Bank, National Association](https://saferate.com/lenders/associated-bank-national-association) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 6 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Sound ☺️ |
| 7 | [The Central Trust Bank](https://saferate.com/lenders/the-central-trust-bank) | Bank | Exceptional 🤩 | Sound ☺️ | Strong 😀 |
| 8 | [First Bank](https://saferate.com/lenders/first-bank-mo) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 9 | [Paramount Bank](https://saferate.com/lenders/paramount-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 10 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 11 | [NBKC BANK](https://saferate.com/lenders/nbkc-bank) | Bank | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 12 | [FCB Banks](https://saferate.com/lenders/fcb-banks) | Bank | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 13 | [Regions Bank](https://saferate.com/lenders/regions-bank) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 14 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 15 | [Midland States Bank](https://saferate.com/lenders/midland-states-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 16 | [Bell Bank](https://saferate.com/lenders/bell-bank) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 17 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 18 | [Commerce Bank](https://saferate.com/lenders/commerce-bank) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 19 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 20 | [Busey Bank](https://saferate.com/lenders/busey-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 21 | [United Community Bank](https://saferate.com/lenders/united-community-bank-il) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 22 | [Bank of Springfield](https://saferate.com/lenders/bank-of-springfield) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 23 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | Bank | Strong 😀 | Acceptable 🙂 | Sound ☺️ |
| 24 | [First State Community Bank](https://saferate.com/lenders/first-state-community-bank) | Bank | Sound ☺️ | Sound ☺️ | Acceptable 🙂 |

## 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

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*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/banks/fha-loans)