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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 Conventional Mortgage Bank Lenders in St. Louis
Updated February 5, 2026
Market Overview
33
Total Lenders
34,993
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $217 | +0.146% | 139 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $552 | +0.186% | 783 | |
3 | FCB Banks | Exceptional | Exceptional | Strong | Sound | Exceptional | $714 | -0.085% | 642 | |
4 | United Community Bank | Exceptional | Exceptional | Strong | Strong | Strong | $155 | +0.176% | 137 | |
5 | Stifel Bank and Trust | Exceptional | Strong | Strong | Strong | Exceptional | $267 | -0.063% | 1,013 | |
6 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Strong | Exceptional | $1,306 | +0.165% | 646 | |
7 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Exceptional | $828 | +0.169% | 589 | |
8 | Midwest BankCentre | Exceptional | Exceptional | Sound | Sound | Exceptional | $669 | +0.009% | 388 | |
9 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,282 | -0.037% | 331 | |
10 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $362 | +0.261% | 226 | |
11 | Busey Bank | Exceptional | Strong | Strong | Exceptional | Strong | $861 | +0.350% | 139 | |
12 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $191 | -0.203% | 99 | |
13 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $630 | +0.206% | 93 | |
14 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $889 | +0.305% | 632 | |
15 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,098 | +0.237% | 255 | |
16 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,987 | +0.135% | 159 | |
17 | Bank of Springfield | Exceptional | Strong | Strong | Strong | Strong | $788 | +0.296% | 131 | |
18 | First Mid Bank & Trust, National Association | Exceptional | Strong | Strong | Strong | Strong | $826 | +0.145% | 124 | |
19 | Great Southern Bank | Exceptional | Strong | Strong | Strong | Strong | $874 | +0.196% | 79 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,566 | +0.187% | 432 | |
21 | First State Community Bank | Strong | Strong | Strong | Sound | Strong | $1,225 | +0.084% | 143 | |
22 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $818 | +0.248% | 119 | |
23 | United Bank of Union | Strong | Exceptional | Acceptable | Sound | Strong | $910 | -0.366% | 107 | |
24 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,290 | +0.421% | 443 | |
25 | Commerce Bank | Strong | Sound | Strong | Sound | Strong | $220 | +0.270% | 230 | |
26 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,389 | +0.358% | 155 | |
27 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,496 | +0.454% | 118 | |
28 | Sullivan Bank | Strong | Strong | Acceptable | Sound | Strong | $588 | +0.134% | 104 | |
29 | First National Bank of Waterloo | Strong | Strong | Acceptable | Sound | Strong | $505 | -0.160% | 98 | |
30 | Paramount Bank | Strong | Sound | Sound | Acceptable | Exceptional | $1,558 | +0.303% | 243 | |
31 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,601 | -0.169% | 151 | |
32 | Midland States Bank | Strong | Acceptable | Strong | Strong | Strong | $1,922 | +0.530% | 84 | |
33 | CNB Bank And Trust, N.A. | Strong | Strong | Acceptable | Acceptable | Strong | $999 | +0.123% | 78 |
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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