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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 Lenders in St. Louis

Updated February 5, 2026

Market Overview

175

Total Lenders

34,993

Total Loans

0.31%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
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	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$348	-0.438%	272
5	VICTORY MORTGAGE, L.L.C.	Exceptional	Exceptional	Strong	Strong	Strong	$658	+0.143%	164
6	United Community Bank	Exceptional	Exceptional	Strong	Strong	Strong	$155	+0.176%	137
7	FLAT BRANCH MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,224	+0.392%	1,380
8	Stifel Bank and Trust	Exceptional	Strong	Strong	Strong	Exceptional	$267	-0.063%	1,013
9	First State Bank of St. Charles, Missouri	Exceptional	Strong	Strong	Strong	Exceptional	$1,306	+0.165%	646
10	Carrollton Bank	Exceptional	Strong	Strong	Strong	Exceptional	$828	+0.169%	589
11	SCOTT CREDIT UNION	Exceptional	Strong	Strong	Strong	Exceptional	$674	+0.061%	458
12	Midwest BankCentre	Exceptional	Exceptional	Sound	Sound	Exceptional	$669	+0.009%	388
13	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,282	-0.037%	331
14	Truist Bank	Exceptional	Strong	Exceptional	Strong	Strong	$362	+0.261%	226
15	Busey Bank	Exceptional	Strong	Strong	Exceptional	Strong	$861	+0.350%	139
16	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Strong	$191	-0.203%	99
17	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$630	+0.206%	93
18	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,254	+0.077%	76
19	GERSHMAN INVESTMENT CORP.	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,367	+0.555%	709
20	The Central Trust Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$889	+0.305%	632
21	First Bank	Exceptional	Strong	Strong	Strong	Strong	$1,098	+0.237%	255
22	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,987	+0.135%	159
23	Bank of Springfield	Exceptional	Strong	Strong	Strong	Strong	$788	+0.296%	131
24	First Mid Bank & Trust, National Association	Exceptional	Strong	Strong	Strong	Strong	$826	+0.145%	124
25	U S WIDE FINANCIAL LLC	Exceptional	Exceptional	Sound	Sound	Strong	-$372	-0.175%	112
26	Great Southern Bank	Exceptional	Strong	Strong	Strong	Strong	$874	+0.196%	79
27	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,559	+0.446%	1,941
28	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,198	+0.313%	1,857
29	DELMAR FINANCIAL COMPANY	Strong	Sound	Strong	Strong	Exceptional	$1,369	+0.341%	1,006
30	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$1,566	+0.187%	432
31	TOGETHER CREDIT UNION	Strong	Strong	Sound	Sound	Exceptional	$803	+0.033%	363
32	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,088	+0.381%	175
33	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$1,047	+0.532%	167
34	First State Community Bank	Strong	Strong	Strong	Sound	Strong	$1,225	+0.084%	143
35	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$1,168	+0.319%	136
36	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$872	+0.501%	125
37	First Horizon Bank	Strong	Sound	Exceptional	Strong	Strong	$818	+0.248%	119
38	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,118	+0.519%	2,800
39	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,824	+0.649%	1,731
40	Regions Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,290	+0.421%	443
41	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,997	-0.052%	220
42	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,272	+0.604%	207
43	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,010	+0.567%	470
44	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,071	+0.520%	344
45	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,350	+0.722%	264
46	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,286	+0.504%	208
47	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,163	+0.706%	182
48	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$1,693	+0.356%	168
49	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$1,389	+0.358%	155
50	Bell Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,496	+0.454%	118

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.

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