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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 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 | 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 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $658 | +0.143% | 164 | |
5 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $217 | +0.146% | 139 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,198 | +0.313% | 1,857 | |
7 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,224 | +0.392% | 1,380 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $552 | +0.186% | 783 | |
9 | FCB Banks | Exceptional | Exceptional | Sound | Sound | Exceptional | $714 | -0.085% | 642 | |
10 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Exceptional | $828 | +0.169% | 589 | |
11 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,999 | +0.806% | 338 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,047 | +0.532% | 167 | |
13 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $191 | -0.203% | 99 | |
14 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,153 | +0.325% | 89 | |
15 | GERSHMAN INVESTMENT CORP. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,367 | +0.555% | 709 | |
16 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $889 | +0.305% | 632 | |
17 | JLB CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,484 | +0.354% | 411 | |
18 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,098 | +0.237% | 255 | |
19 | Paramount Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,558 | +0.303% | 243 | |
20 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,997 | -0.052% | 220 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,559 | +0.446% | 1,941 | |
22 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Exceptional | $1,369 | +0.341% | 1,006 | |
23 | SCOTT CREDIT UNION | Strong | Strong | Sound | Sound | Exceptional | $674 | +0.061% | 458 | |
24 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,290 | +0.421% | 443 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,088 | +0.381% | 175 | |
26 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,389 | +0.358% | 155 | |
27 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $630 | +0.206% | 93 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,118 | +0.519% | 2,800 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,496 | +0.415% | 516 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,010 | +0.567% | 470 | |
31 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,579 | +0.476% | 274 | |
32 | FAMILY FINANCE MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,694 | +0.693% | 270 | |
33 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,272 | +0.604% | 207 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,693 | +0.356% | 168 | |
35 | Busey Bank | Strong | Strong | Sound | Sound | Strong | $861 | +0.350% | 139 | |
36 | United Community Bank | Strong | Strong | Sound | Sound | Strong | $155 | +0.176% | 137 | |
37 | Bank of Springfield | Strong | Strong | Sound | Sound | Strong | $788 | +0.296% | 131 | |
38 | Midland States Bank | Strong | Sound | Strong | Strong | Strong | $1,922 | +0.530% | 84 | |
39 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $1,824 | +0.649% | 1,731 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,738 | +0.533% | 923 | |
41 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,566 | +0.187% | 432 | |
42 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,071 | +0.520% | 344 | |
43 | Commerce Bank | Strong | Sound | Strong | Sound | Strong | $220 | +0.270% | 230 | |
44 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,987 | +0.135% | 159 | |
45 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $872 | +0.501% | 125 | |
46 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,496 | +0.454% | 118 | |
47 | FRONTIER FINANCIAL, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $1,630 | +0.557% | 94 | |
48 | ENDEAVOR CAPITAL, LLC. | Strong | Acceptable | Strong | Sound | Exceptional | $2,045 | +0.456% | 596 | |
49 | FIRST INTEGRITY MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,752 | +0.499% | 148 | |
50 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,168 | +0.319% | 136 |
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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