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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 Bank Mortgage Lenders in St. Louis
Updated February 5, 2026
Market Overview
33
Total Lenders
10,152
Total Loans
0.15%
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 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $217 | +0.146% | 139 | |
4 | United Community Bank | Exceptional | Exceptional | Strong | Strong | $155 | +0.176% | 137 | |
5 | United Bank of Union | Exceptional | Exceptional | Strong | Strong | $910 | -0.366% | 107 | |
6 | Stifel Bank and Trust | Exceptional | Strong | Strong | Exceptional | $267 | -0.063% | 1,013 | |
7 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $552 | +0.186% | 783 | |
8 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | $1,306 | +0.165% | 646 | |
9 | Carrollton Bank | Exceptional | Strong | Strong | Exceptional | $828 | +0.169% | 589 | |
10 | Busey Bank | Exceptional | Strong | Exceptional | Strong | $861 | +0.350% | 139 | |
11 | Bank of Springfield | Exceptional | Strong | Exceptional | Strong | $788 | +0.296% | 131 | |
12 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $191 | -0.203% | 99 | |
13 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,282 | -0.037% | 331 | |
14 | First Bank | Strong | Strong | Strong | Strong | $1,098 | +0.237% | 255 | |
15 | Truist Bank | Strong | Strong | Strong | Strong | $362 | +0.261% | 226 | |
16 | First Mid Bank & Trust, National Association | Strong | Strong | Strong | Strong | $826 | +0.145% | 124 | |
17 | Sullivan Bank | Strong | Strong | Strong | Strong | $588 | +0.134% | 104 | |
18 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $630 | +0.206% | 93 | |
19 | Great Southern Bank | Strong | Strong | Strong | Strong | $874 | +0.196% | 79 | |
20 | The Central Trust Bank | Strong | Sound | Strong | Exceptional | $889 | +0.305% | 632 | |
21 | Regions Bank | Strong | Sound | Strong | Exceptional | $1,290 | +0.421% | 443 | |
22 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,987 | +0.135% | 159 | |
23 | First National Bank of Waterloo | Strong | Strong | Sound | Strong | $505 | -0.160% | 98 | |
24 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,566 | +0.187% | 432 | |
25 | Paramount Bank | Strong | Sound | Sound | Exceptional | $1,558 | +0.303% | 243 | |
26 | First State Community Bank | Strong | Strong | Acceptable | Strong | $1,225 | +0.084% | 143 | |
27 | First Horizon Bank | Strong | Sound | Strong | Strong | $818 | +0.248% | 119 | |
28 | CNB Bank And Trust, N.A. | Strong | Strong | Acceptable | Strong | $999 | +0.123% | 78 | |
29 | Commerce Bank | Strong | Sound | Sound | Strong | $220 | +0.270% | 230 | |
30 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,601 | -0.169% | 151 | |
31 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $1,496 | +0.454% | 118 | |
32 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,389 | +0.358% | 155 | |
33 | Midland States Bank | Sound | Acceptable | Sound | Strong | $1,922 | +0.530% | 84 |
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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