Mortgage

Home Lending

We understand that securing the right mortgage is a critical aspect in achieving your homeownership goals. Count on Stifel Bank & Trust to help you finance a home with ease.

Meet Your Lender
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The Right Mortgage for You Starts with the Right Lender

Our experienced mortgage bankers are dedicated to providing the right loan tailored to your needs. Our mortgage lenders help you evaluate appropriate loan options, focused on what’s important to you, resulting in a great mortgage solution. You’ll have our lending team by your side to help you throughout the mortgage process.

We help clients working with a Stifel Financial Advisor in any of the 400 Stifel offices across the U.S. Your Stifel Financial Advisor will refer you to the mortgage lender that specializes in your area. Stifel Bank & Trust also works with clients financing homes in the Greater St. Louis Area. Geographic restrictions apply. Please connect with one of our mortgage lenders to learn if we may be of service to you.

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Find the mortgage that's right for you

From helping first-time homebuyers to refinancing homes with pledged-asset lending, Stifel provides full-service mortgage banking delivered by leading experts across every area of home finance. Count on the experienced Stifel Bank & Trust mortgage lenders to guide you through.

Buying a Home

Buying a home presents many questions – what monthly payment can I afford? What loan program is right for me?  How much does the interest rate impact building equity?  How is my employment history considered in underwriting my loan? Learn the basics in our informative Buyer’s Guide to Homeownership.

Loan Programs

We begin with the basics – FHA, Conventional, Jumbo, VA, HELOC, and other widely available loan programs.  And then Stifel Bank & Trust goes a step further with tailored loan programs uniquely built to serve the clients of Stifel and homeowners here in St. Louis. Count on us for options so you may make an informed decision on which loan program is right for you.

Understanding Credit Scores

Why are credit scores so important? Because they are a singular data point in determining how much you will pay to borrow money. Your credit score is numeric value that shows what types of credit you have (or haven’t) been offered, how you use your credit, and both your experience and capacity for repaying your credit obligations. How does your number stack up?

Meet our team of lenders

Our experienced lenders are ready to help with great rates, terms, and loan programs to purchase a home or refinance an existing mortgage.

If you are not sure which lender to work with, please click the “Apply Now” button below.

Apply Now

Our mortgage team is here to help. Apply for a loan today with our convenient online tool.

Let’s get to know you a little bit

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1. Un-freeze your credit prior to applying for a mortgage

If you have placed a freeze on your credit you will need to release the freeze prior to applying for your loan. You may log into your account with each repository, or call the three credit reporting companies directly:

  • Equifax: 1-888-EQUIFAX (1-888-378-4329)
  • Experian: 1- 888 397 3742
  • TransUnion: 1-888-909-8872

2. Opt-out of receiving unsolicited offers of credit

OptOutPrescreen.com is the official Consumer Credit Reporting Industry website that manages consumers Opt-In or Opt-Out of firm offers of credit or insurance. To stop receiving unsolicited “prescreened” offers of credit, please visit www.OptOutPrescreen.com or by calling 1-888-567-8688.

Stifel Bank & Trust is not affiliated with the credit repository companies, www.OptOutPrescreen.com or www.annualcreditreport.com.

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Loans in Process

Log in to complete your mortgage application and handle any home loan pre-closing steps.

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My Stifel Mortgage

Access your account to see your mortgage statement, make a payment, and check the details of your mortgage.

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What clients are saying

“Very professional, extremely helpful and always responded promptly! Great Team!!”

Merrill C.

“At closing the title company handling the loan said Stifel Bank & Trust was a dream to work with.”

Richard G.

“Overall a tremendous interaction. No complaints. I enjoy that you were able to think outside the box to meet our needs.”

Yadava R.

Lending for a Greater St. Louis

Homeownership creates stronger communities and helps develop personal wealth that can be passed down through generations. Learn how you can invest in your future through our Work & Live St. Louis Affordable Home Loan Program.

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Contact Us

Need help? We’re here for you. Fill out the form below, and we’ll get back to you as soon as we can.







    For your security, please do not include account numbers, passwords, or other private information.

    Stifel Bank & Trust offers mortgage services to clients of Stifel and current and prospective homeowners in the St. Louis Metro Area of Missouri and Illinois.

    Residential mortgage lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively by Stifel Bank & Trust. The financial advisors of Stifel, Nicolaus & Company, Incorporated do not offer mortgage loans, provide mortgage loan information, or accept residential mortgage loan applications. Stifel, Nicolaus & Company, Incorporated may compensate your Financial Advisor in connection with the origination of any mortgage loan, where permissible by law.