Safe Rate Rankings

Best FHA Mortgage Bank Lenders in St. Louis

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders24

Total Loans34,993

Median Rate Spread0.31%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Stifel Bank and TrustBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$267Fees	0.063%Below	1,013
2	Midwest BankCentreBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$669Fees	0.009%Above	388
3	First State Bank of St. Charles, MissouriBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,306Fees	0.165%Above	646
4	Associated Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	Strong	$217Fees	0.146%Above	139
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$552Fees	0.186%Above	783
6	FCB BanksBank	Exceptional	Exceptional	Sound	Sound	Exceptional	$714Fees	0.085%Below	642
7	Carrollton BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$828Fees	0.169%Above	589
8	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Strong	$191Fees	0.203%Below	99
9	The Central Trust BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$889Fees	0.305%Above	632
10	First BankBank	Exceptional	Strong	Strong	Strong	Strong	$1,098Fees	0.237%Above	255
11	Paramount BankBank	Exceptional	Strong	Strong	Sound	Exceptional	$1,558Fees	0.303%Above	243
12	Regions BankBank	Strong	Sound	Exceptional	Sound	Exceptional	$1,290Fees	0.421%Above	443
13	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$1,389Fees	0.358%Above	155
14	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	Strong	$630Fees	0.206%Above	93
15	Busey BankBank	Strong	Strong	Sound	Sound	Strong	$861Fees	0.350%Above	139
16	United Community BankBank	Strong	Strong	Sound	Sound	Strong	$155Fees	0.176%Above	137
17	Bank of SpringfieldBank	Strong	Strong	Sound	Sound	Strong	$788Fees	0.296%Above	131
18	Midland States BankBank	Strong	Sound	Strong	Strong	Strong	$1,922Fees	0.530%Above	84
19	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$1,566Fees	0.187%Above	432
20	Commerce BankBank	Strong	Sound	Strong	Sound	Strong	$220Fees	0.270%Above	230
21	Wells Fargo Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$1,987Fees	0.135%Above	159
22	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,496Fees	0.454%Above	118
23	Bank of America, National AssociationBank	Strong	Acceptable	Strong	Sound	Strong	$1,282Fees	0.037%Below	331
24	First State Community BankBank	Strong	Sound	Sound	Acceptable	Strong	$1,225Fees	0.084%Above	143

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.