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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 Jumbo 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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $552 | +0.186% | 783 | |
2 | Stifel Bank and Trust | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $267 | -0.063% | 1,013 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,282 | -0.037% | 331 | |
4 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,987 | +0.135% | 159 | |
5 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $217 | +0.146% | 139 | |
6 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $1,224 | +0.392% | 1,380 | |
7 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Exceptional | $828 | +0.169% | 589 | |
8 | TOGETHER CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $803 | +0.033% | 363 | |
9 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,559 | +0.446% | 1,941 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,198 | +0.313% | 1,857 | |
11 | First State Bank of St. Charles, Missouri | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,306 | +0.165% | 646 | |
12 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $889 | +0.305% | 632 | |
13 | SCOTT CREDIT UNION | Exceptional | Strong | — | Strong | Exceptional | $674 | +0.061% | 458 | |
14 | Regions Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,290 | +0.421% | 443 | |
15 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,496 | +0.415% | 516 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,566 | +0.187% | 432 | |
17 | Commerce Bank | Strong | Strong | Strong | Sound | Strong | $220 | +0.270% | 230 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,118 | +0.519% | 2,800 | |
19 | DAS Acquisition Company, LLC | Strong | Sound | Strong | Sound | Exceptional | $1,824 | +0.649% | 1,731 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,077 | +0.654% | 1,836 | |
21 | First Bank | Sound | Mediocre | Strong | Strong | Strong | $1,098 | +0.237% | 255 |
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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