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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 FHA Mortgage Bank Lenders in St. Louis
Updated February 5, 2026
Market Overview
24
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 | Stifel Bank and Trust | Exceptional | Exceptional | Strong | Strong | Exceptional | $267 | -0.063% | 1,013 | |
2 | Midwest BankCentre | Exceptional | Exceptional | Strong | Strong | Exceptional | $669 | +0.009% | 388 | |
3 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,306 | +0.165% | 646 | |
4 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $217 | +0.146% | 139 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $552 | +0.186% | 783 | |
6 | FCB Banks | Exceptional | Exceptional | Sound | Sound | Exceptional | $714 | -0.085% | 642 | |
7 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Exceptional | $828 | +0.169% | 589 | |
8 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $191 | -0.203% | 99 | |
9 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $889 | +0.305% | 632 | |
10 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,098 | +0.237% | 255 | |
11 | Paramount Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,558 | +0.303% | 243 | |
12 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,290 | +0.421% | 443 | |
13 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,389 | +0.358% | 155 | |
14 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $630 | +0.206% | 93 | |
15 | Busey Bank | Strong | Strong | Sound | Sound | Strong | $861 | +0.350% | 139 | |
16 | United Community Bank | Strong | Strong | Sound | Sound | Strong | $155 | +0.176% | 137 | |
17 | Bank of Springfield | Strong | Strong | Sound | Sound | Strong | $788 | +0.296% | 131 | |
18 | Midland States Bank | Strong | Sound | Strong | Strong | Strong | $1,922 | +0.530% | 84 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,566 | +0.187% | 432 | |
20 | Commerce Bank | Strong | Sound | Strong | Sound | Strong | $220 | +0.270% | 230 | |
21 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,987 | +0.135% | 159 | |
22 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,496 | +0.454% | 118 | |
23 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Strong | $1,282 | -0.037% | 331 | |
24 | First State Community Bank | Strong | Sound | Sound | Acceptable | Strong | $1,225 | +0.084% | 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)
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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