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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 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	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	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$1,198	+0.313%	1,857
4	FCB Banks	Exceptional	Exceptional	Strong	Strong	Exceptional	$714	-0.085%	642
5	NBKC BANK	Exceptional	Exceptional	Exceptional	Strong	Strong	$191	-0.203%	99
6	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Exceptional	$552	+0.186%	783
7	GERSHMAN INVESTMENT CORP.	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,367	+0.555%	709
8	First State Bank of St. Charles, Missouri	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,306	+0.165%	646
9	GUARANTEED RATE AFFINITY, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,496	+0.415%	516
10	SCOTT CREDIT UNION	Exceptional	Exceptional	Strong	Sound	Exceptional	$674	+0.061%	458
11	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$348	-0.438%	272
12	First Horizon Bank	Exceptional	Exceptional	Strong	Strong	Strong	$818	+0.248%	119
13	Carrollton Bank	Exceptional	Strong	Strong	Strong	Exceptional	$828	+0.169%	589
14	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,071	+0.520%	344
15	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$1,999	+0.806%	338
16	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,997	-0.052%	220
17	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,153	+0.325%	89
18	JPMorgan Chase Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,566	+0.187%	432
19	First Bank	Exceptional	Strong	Strong	Strong	Strong	$1,098	+0.237%	255
20	PRIMELENDING, A PLAINSCAPITAL COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,693	+0.356%	168
21	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,047	+0.532%	167
22	VICTORY MORTGAGE, L.L.C.	Exceptional	Strong	Strong	Strong	Strong	$658	+0.143%	164
23	USAA Federal Savings Bank	Exceptional	Strong	Exceptional	Sound	Strong	$1,601	-0.169%	151
24	Bell Bank	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,496	+0.454%	118
25	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,559	+0.446%	1,941
26	FLAT BRANCH MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,224	+0.392%	1,380
27	DELMAR FINANCIAL COMPANY	Strong	Sound	Strong	Strong	Exceptional	$1,369	+0.341%	1,006
28	The Central Trust Bank	Strong	Sound	Strong	Strong	Exceptional	$889	+0.305%	632
29	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$1,579	+0.476%	274
30	Paramount Bank	Strong	Sound	Strong	Strong	Exceptional	$1,558	+0.303%	243
31	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,088	+0.381%	175
32	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$1,389	+0.358%	155
33	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,168	+0.319%	136
34	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$872	+0.501%	125
35	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,118	+0.519%	2,800
36	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,824	+0.649%	1,731
37	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,738	+0.533%	923
38	ENDEAVOR CAPITAL, LLC.	Strong	Sound	Strong	Sound	Exceptional	$2,045	+0.456%	596
39	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,010	+0.567%	470
40	Regions Bank	Strong	Sound	Strong	Sound	Exceptional	$1,290	+0.421%	443
41	FAMILY FINANCE MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	Exceptional	$1,694	+0.693%	270
42	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,286	+0.504%	208
43	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,163	+0.706%	182
44	FRONTIER FINANCIAL, INC.	Strong	Acceptable	Strong	Exceptional	Strong	$1,630	+0.557%	94
45	GENEVA FINANCIAL, LLC	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,204	+0.713%	238
46	Nations Lending Corporation	Strong	Mediocre	Exceptional	Exceptional	Strong	$2,272	+0.604%	207
47	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$1,547	+0.474%	359
48	LEADERONE FINANCIAL CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$2,350	+0.722%	264
49	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$3,597	+0.795%	89
50	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$5,056	+0.440%	73

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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