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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 Mortgage Lenders in St. Louis
Updated February 5, 2026
Market Overview
175
Total Lenders
34,993
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FCB Banks | Exceptional | Exceptional | Strong | Exceptional | $714 | -0.085% | 642 | |
2 | Midwest BankCentre | Exceptional | Exceptional | Strong | Exceptional | $669 | +0.009% | 388 | |
3 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | $658 | +0.143% | 164 | |
4 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $217 | +0.146% | 139 | |
5 | United Community Bank | Exceptional | Exceptional | Strong | Strong | $155 | +0.176% | 137 | |
6 | United Bank of Union | Exceptional | Exceptional | Strong | Strong | $910 | -0.366% | 107 | |
7 | Stifel Bank and Trust | Exceptional | Strong | Strong | Exceptional | $267 | -0.063% | 1,013 | |
8 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $552 | +0.186% | 783 | |
9 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | $1,306 | +0.165% | 646 | |
10 | Carrollton Bank | Exceptional | Strong | Strong | Exceptional | $828 | +0.169% | 589 | |
11 | SCOTT CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $674 | +0.061% | 458 | |
12 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $348 | -0.438% | 272 | |
13 | Busey Bank | Exceptional | Strong | Exceptional | Strong | $861 | +0.350% | 139 | |
14 | Bank of Springfield | Exceptional | Strong | Exceptional | Strong | $788 | +0.296% | 131 | |
15 | U S WIDE FINANCIAL LLC | Exceptional | Exceptional | Sound | Strong | -$372 | -0.175% | 112 | |
16 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $191 | -0.203% | 99 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,198 | +0.313% | 1,857 | |
18 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,224 | +0.392% | 1,380 | |
19 | JLB CORPORATION | Strong | Sound | Exceptional | Exceptional | $3,484 | +0.354% | 411 | |
20 | TOGETHER CREDIT UNION | Strong | Strong | Sound | Exceptional | $803 | +0.033% | 363 | |
21 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,282 | -0.037% | 331 | |
22 | First Bank | Strong | Strong | Strong | Strong | $1,098 | +0.237% | 255 | |
23 | Truist Bank | Strong | Strong | Strong | Strong | $362 | +0.261% | 226 | |
24 | First Mid Bank & Trust, National Association | Strong | Strong | Strong | Strong | $826 | +0.145% | 124 | |
25 | Sullivan Bank | Strong | Strong | Strong | Strong | $588 | +0.134% | 104 | |
26 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $630 | +0.206% | 93 | |
27 | Great Southern Bank | Strong | Strong | Strong | Strong | $874 | +0.196% | 79 | |
28 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,254 | +0.077% | 76 | |
29 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Exceptional | $1,369 | +0.341% | 1,006 | |
30 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Exceptional | $1,367 | +0.555% | 709 | |
31 | The Central Trust Bank | Strong | Sound | Strong | Exceptional | $889 | +0.305% | 632 | |
32 | Regions Bank | Strong | Sound | Strong | Exceptional | $1,290 | +0.421% | 443 | |
33 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,047 | +0.532% | 167 | |
34 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,987 | +0.135% | 159 | |
35 | VANTAGE Credit Union | Strong | Strong | Sound | Strong | $1,094 | +0.112% | 116 | |
36 | First National Bank of Waterloo | Strong | Strong | Sound | Strong | $505 | -0.160% | 98 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,118 | +0.519% | 2,800 | |
38 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,559 | +0.446% | 1,941 | |
39 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Exceptional | $1,824 | +0.649% | 1,731 | |
40 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,566 | +0.187% | 432 | |
41 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,071 | +0.520% | 344 | |
42 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,999 | +0.806% | 338 | |
43 | Paramount Bank | Strong | Sound | Sound | Exceptional | $1,558 | +0.303% | 243 | |
44 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,997 | -0.052% | 220 | |
45 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,088 | +0.381% | 175 | |
46 | First Horizon Bank | Strong | Sound | Strong | Strong | $818 | +0.248% | 119 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,738 | +0.533% | 923 | |
48 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Exceptional | $2,496 | +0.415% | 516 | |
49 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,010 | +0.567% | 470 | |
50 | FAMILY FINANCE MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $1,694 | +0.693% | 270 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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