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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 VA Mortgage Bank Lenders in St. Louis
Updated February 5, 2026
Market Overview
16
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 | Exceptional | Exceptional | $267 | -0.063% | 1,013 | |
2 | Midwest BankCentre | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $669 | +0.009% | 388 | |
3 | FCB Banks | Exceptional | Exceptional | Strong | Strong | Exceptional | $714 | -0.085% | 642 | |
4 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $191 | -0.203% | 99 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $552 | +0.186% | 783 | |
6 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,306 | +0.165% | 646 | |
7 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Strong | $818 | +0.248% | 119 | |
8 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Exceptional | $828 | +0.169% | 589 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,566 | +0.187% | 432 | |
10 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,098 | +0.237% | 255 | |
11 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,601 | -0.169% | 151 | |
12 | Bell Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,496 | +0.454% | 118 | |
13 | The Central Trust Bank | Strong | Sound | Strong | Strong | Exceptional | $889 | +0.305% | 632 | |
14 | Paramount Bank | Strong | Sound | Strong | Strong | Exceptional | $1,558 | +0.303% | 243 | |
15 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,389 | +0.358% | 155 | |
16 | Regions Bank | Strong | Sound | Strong | Sound | Exceptional | $1,290 | +0.421% | 443 |
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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