Mortgage lenders in St. Louis County
22,981 mortgages were made in St. Louis County, Missouri, in 2025, by 493 lenders. The median rate their borrowers got was 6.625% on a median loan of $195,000. Of 29,487 decisions, 5,497 were denials — 18.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 1,517 | 6.500% | $215,000 | 3.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,197 | 6.869% | $205,000 | 8.6% |
| FIRST COMMUNITY | 1,019 | 5.950% | $105,000 | 31.0% |
| Rocket Mortgage, LLC | 987 | 6.750% | $165,000 | 20.3% |
| U.S. Bank National Association | 823 | 7.500% | $145,000 | 37.6% |
| Stifel Bank and Trust | 774 | 6.250% | $315,000 | 3.2% |
| Broker Solutions, Inc. | 759 | 6.750% | $215,000 | 8.6% |
| DAS Acquisition Company, LLC | 689 | 6.750% | $245,000 | 2.2% |
| Commerce Bank | 603 | 6.750% | $85,000 | 30.4% |
| Bank of America, National Association | 585 | 6.240% | $145,000 | 33.7% |
| TOGETHER CREDIT UNION | 549 | 7.250% | $155,000 | 17.8% |
| FLAT BRANCH MORTGAGE, INC. | 449 | 6.625% | $265,000 | 0.9% |
| The Central Trust Bank | 401 | 6.625% | $235,000 | 6.8% |
| Carrollton Bank | 397 | 6.750% | $185,000 | 7.7% |
| Regions Bank | 370 | 4.990% | $105,000 | 38.3% |
| First State Bank of St. Charles, Missouri | 344 | 6.750% | $255,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 334 | 6.500% | $245,000 | 6.6% |
| PENNYMAC LOAN SERVICES, LLC | 312 | 6.500% | $195,000 | 21.2% |
| NEIGHBORS Credit Union | 285 | Not published | $105,000 | 25.0% |
| DELMAR FINANCIAL COMPANY | 268 | 6.500% | $295,000 | 1.9% |
| GERSHMAN INVESTMENT CORP. | 263 | 6.625% | $225,000 | 7.5% |
| VANTAGE Credit Union | 247 | 7.250% | $85,000 | 30.9% |
| Mortgage Research Center, LLC | 242 | 6.250% | $230,000 | 26.2% |
| FCB Banks | 237 | 7.050% | $165,000 | 7.8% |
| JPMorgan Chase Bank, National Association | 224 | 6.500% | $245,000 | 14.5% |
| Kiavi Funding, Inc. | 223 | 8.000% | $115,000 | 16.4% |
| NEWREZ LLC | 220 | 6.750% | $175,000 | 34.8% |
| LEADERONE FINANCIAL CORPORATION | 209 | 6.500% | $185,000 | 12.1% |
| West Community Credit Union | 206 | 6.990% | $105,000 | 18.7% |
| BPL MORTGAGE TRUST, LLC | 190 | 7.375% | $85,000 | 8.9% |
| Midwest BankCentre | 190 | 6.500% | $245,000 | 5.5% |
| First Bank | 188 | 6.875% | $250,000 | 22.2% |
| FREEDOM MORTGAGE CORPORATION | 187 | 6.250% | $225,000 | 14.1% |
| NATIONSTAR MORTGAGE LLC | 183 | 7.990% | $105,000 | 14.9% |
| PNC Bank, National Association | 182 | 7.635% | $125,000 | 35.8% |
| Truist Bank | 169 | 6.490% | $395,000 | 7.0% |
| ENDEAVOR CAPITAL, LLC. | 166 | 6.500% | $245,000 | 3.5% |
| JLB CORPORATION | 154 | 6.250% | $215,000 | 3.7% |
| Navy Federal Credit Union | 153 | 7.250% | $125,000 | 40.2% |
| Fairway Independent Mortgage Corporation | 151 | 6.750% | $315,000 | 3.8% |
| Loandepot.Com, LLC | 143 | 6.990% | $125,000 | 31.3% |
| Great Southern Bank | 139 | 6.750% | $260,000 | 20.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 127 | 6.625% | $255,000 | 10.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 124 | 6.875% | $225,000 | 9.4% |
| Paramount Bank | 124 | 6.625% | $345,000 | 4.6% |
| FAMILY FINANCE MORTGAGE, LLC | 121 | 6.750% | $235,000 | 0.0% |
| BMO Bank National Association | 114 | 8.230% | $165,000 | 29.8% |
| GENEVA FINANCIAL, LLC | 113 | 6.750% | $255,000 | 3.4% |
| UMB Bank, National Association | 109 | 6.065% | $155,000 | 20.0% |
| Nations Lending Corporation | 109 | 6.625% | $205,000 | 3.1% |
| CMG MORTGAGE, INC. | 106 | 6.625% | $200,000 | 4.1% |
| EVERETT FINANCIAL, INC. | 103 | 6.750% | $165,000 | 10.3% |
| Lindell Bank & Trust Company | 99 | Not published | $165,000 | 2.0% |
| COMMUNITYAMERICA CREDIT UNION | 93 | 6.000% | $105,000 | 25.4% |
| Wells Fargo Bank, National Association | 90 | 6.375% | $345,000 | 18.2% |
| Montgomery Bank | 82 | 7.500% | $105,000 | 15.4% |
| American Bank of Freedom | 81 | 8.000% | $175,000 | 2.4% |
| FIGURE LENDING LLC | 80 | 8.650% | $70,000 | 29.3% |
| AmeriSave Mortgage Corporation | 78 | 7.000% | $110,000 | 69.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 75 | 7.625% | $135,000 | 19.0% |
| ARSENAL CREDIT UNION | 75 | 6.500% | $105,000 | 11.4% |
| SPRING EQ, LLC | 73 | 9.825% | $65,000 | 50.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 67 | 6.490% | $315,000 | 30.0% |
| ACCESS CAPITAL FUNDING, L.L.C. | 67 | 6.500% | $285,000 | 0.0% |
| SCOTT CREDIT UNION | 66 | 6.500% | $175,000 | 24.1% |
| GUARANTEED RATE, INC. | 61 | 6.625% | $145,000 | 22.9% |
| Bell Bank | 59 | 6.490% | $245,000 | 14.5% |
| Loan Funder LLC | 55 | 7.650% | $115,000 | 26.7% |
| ALLIANCE CREDIT UNION | 55 | Not published | $125,000 | 15.4% |
| 254900CTT87ZKAUTIJ37 | 54 | 7.933% | $100,000 | 12.3% |
| Prosperity Home Mortgage, LLC | 53 | 6.250% | $235,000 | 10.2% |
| Heritage Community Bank | 53 | Not published | $155,000 | 1.8% |
| Merchants Bank of Indiana | 52 | 6.125% | $355,000 | 8.8% |
| Third Federal Savings and Loan Association of Cleveland | 52 | 6.990% | $100,000 | 26.8% |
| LAKEVIEW LOAN SERVICING, LLC | 51 | 6.750% | $165,000 | 50.0% |
| Associated Bank, National Association | 51 | 6.125% | $385,000 | 31.2% |
| Simmons Bank | 51 | 4.990% | $85,000 | 29.7% |
| Midland States Bank | 51 | 6.125% | $125,000 | 16.9% |
| Cadence Bank | 50 | 7.125% | $175,000 | 18.8% |
| ZILLOW HOME LOANS, LLC | 49 | 6.625% | $185,000 | 9.1% |
| ENVOY MORTGAGE, LTD | 49 | 6.875% | $275,000 | 5.8% |
| Century Credit Union | 48 | Not published | $75,000 | 3.7% |
| Bank of Springfield | 46 | 7.000% | $195,000 | 13.2% |
| Busey Bank | 45 | 6.842% | $145,000 | 17.9% |
| Sullivan Bank | 45 | 7.375% | $185,000 | 2.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 43 | 6.625% | $265,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 42 | 7.938% | $145,000 | 35.8% |
| Discover Bank | 41 | 8.700% | $85,000 | 72.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 41 | 6.625% | $135,000 | 54.5% |
| PLAZA HOME MORTGAGE, INC. | 40 | 6.875% | $215,000 | 27.9% |
| Paramount Residential Mortgage Group, Inc. | 38 | 6.563% | $200,000 | 5.0% |
| UNION HOME MORTGAGE CORP. | 38 | 6.625% | $350,000 | 11.6% |
| U S WIDE FINANCIAL LLC | 38 | 6.125% | $340,000 | 0.0% |
| Valon Mortgage, Inc. | 37 | 8.250% | $75,000 | 15.1% |
| First State Community Bank | 37 | 7.125% | $135,000 | 11.9% |
| NBKC BANK | 36 | 6.375% | $395,000 | 20.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 35 | 5.990% | $245,000 | 14.5% |
| PLANET HOME LENDING, LLC | 35 | 6.125% | $205,000 | 23.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 34 | 6.375% | $400,000 | 8.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 34 | 9.955% | $110,000 | 15.0% |
| Enterprise Bank & Trust | 33 | Not published | $295,000 | 28.6% |
| Peoples National Bank , N.A. | 33 | 6.625% | $405,000 | 12.8% |
| The Bank of Old Monroe | 33 | Not published | $145,000 | 0.0% |
| LOWER, LLC | 32 | 6.563% | $225,000 | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 31 | 6.875% | $95,000 | 16.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 30 | 6.000% | $380,000 | 10.5% |
| Arvest Bank | 30 | 6.625% | $510,000 | 9.1% |
| MORTGAGE SOLUTIONS LLC | 29 | 6.499% | $175,000 | 9.1% |
| THE LOAN STORE, INC. | 29 | 7.125% | $225,000 | 10.5% |
| 984500RF83EA742B5589 | 29 | 7.250% | $275,000 | 0.0% |
| FRONTIER FINANCIAL, INC. | 28 | 6.750% | $415,000 | 0.0% |
| PHH Mortgage Corporation | 27 | 6.490% | $165,000 | 18.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 27 | 9.865% | $105,000 | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 27 | 7.375% | $115,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 27 | 6.375% | $185,000 | 5.7% |
| GoodLeap, LLC | 26 | 6.563% | $75,000 | 34.8% |
| USAA Federal Savings Bank | 26 | 6.125% | $275,000 | 23.5% |
| COMMUNITY MORTGAGE, LLC | 26 | 6.188% | $265,000 | 7.1% |
| The Federal Savings Bank | 25 | 6.500% | $315,000 | 21.9% |
| First Horizon Bank | 25 | 6.625% | $285,000 | 21.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 25 | 7.100% | $175,000 | 0.0% |
| St. Johns Bank and Trust Company | 25 | Not published | $185,000 | 3.6% |
| ALLTRU FEDERAL CREDIT UNION | 24 | 8.933% | $60,000 | 31.4% |
| PENTAGON FEDERAL CREDIT UNION | 24 | 7.688% | $125,000 | 36.8% |
| Plains Commerce Bank | 23 | 6.750% | $395,000 | 0.0% |
| AMERANT MORTGAGE, LLC | 23 | 7.125% | $205,000 | 17.9% |
| NEW DAY FINANCIAL, LLC | 22 | 6.933% | $185,000 | 59.0% |
| AMERICAN HERITAGE LENDING, LLC | 22 | 7.625% | $105,000 | 11.1% |
| First Mid Bank & Trust, National Association | 22 | 7.263% | $195,000 | 31.4% |
| QUORUM FEDERAL CREDIT UNION | 22 | 8.875% | $85,000 | 20.6% |
| CHAMPIONS FUNDING, LLC | 22 | 7.750% | $205,000 | 29.0% |
| Morgan Stanley Private Bank, National Association | 22 | 6.150% | $780,000 | 8.3% |
| Citizens Bank | 22 | Not published | $220,000 | 0.0% |
| AMWEST FUNDING CORP. | 20 | 6.688% | $155,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 20 | 6.500% | $300,000 | 4.6% |
| VICTORY MORTGAGE, L.L.C. | 20 | 6.500% | $520,000 | 4.8% |
| Triad Bank | 20 | Not published | $725,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 19 | 7.375% | $155,000 | 29.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 19 | 6.750% | $175,000 | 4.4% |
| DEEPHAVEN MORTGAGE LLC | 18 | 7.813% | $165,000 | 33.3% |
| GATEWAY METRO | 18 | 6.500% | $165,000 | 10.0% |
| Town & Country Bank | 18 | Not published | $220,000 | 0.0% |
| CNB St Louis Bank | 18 | Not published | $175,000 | 9.5% |
| CIBC Bank USA | 17 | 5.750% | $165,000 | 5.3% |
| Cornerstone First Mortgage, Inc | 17 | 6.750% | $195,000 | 0.0% |
| Royal Banks of Missouri | 17 | Not published | $395,000 | 5.6% |
| Citibank, National Association | 16 | 6.563% | $880,000 | 10.5% |
| Citizens Bank, National Association | 16 | 6.563% | $375,000 | 5.9% |
| Southern Bank | 16 | 7.250% | $185,000 | 0.0% |
| CNB Bank And Trust, N.A. | 16 | 6.590% | $280,000 | 11.1% |
| Equity Prime Mortgage LLC | 15 | 7.125% | $235,000 | 21.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 6.250% | $185,000 | 31.8% |
| BLOOMSDALE BANK | 15 | Not published | $245,000 | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 14 | 7.375% | $145,000 | 36.4% |
| SUN WEST MORTGAGE COMPANY, INC. | 14 | 7.063% | $255,000 | 8.3% |
| Magnolia Bank, Incorporated | 14 | 6.813% | $270,000 | 6.7% |
| OCMBC, INC. | 13 | 7.125% | $265,000 | 32.0% |
| A&D Mortgage LLC | 13 | 6.875% | $125,000 | 23.5% |
| Flagstar Bank, N.A. | 13 | 6.833% | $205,000 | 23.5% |
| T2 FINANCIAL LLC | 13 | 6.625% | $245,000 | 12.5% |
| UIF CORPORATION | 13 | 6.990% | $455,000 | 7.1% |
| Farmers and Merchants Bank of St. Clair | 13 | Not published | $365,000 | 6.3% |
| Raymond James Bank | 13 | 5.375% | $775,000 | 7.1% |
| THOMPSON KANE & COMPANY, INC | 13 | 6.375% | $155,000 | 7.1% |
| Charles Schwab Bank, SSB | 13 | 5.625% | $475,000 | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 12 | 6.813% | $290,000 | 28.6% |
| First Federal Bank | 12 | 6.375% | $390,000 | 0.0% |
| Emporium TPO LLC | 12 | 7.125% | $140,000 | 21.1% |
| Fifth Third Bank, National Association | 12 | 6.563% | $355,000 | 13.3% |
| AMERICAN FINANCING CORPORATION | 11 | 6.125% | $225,000 | 64.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 11 | 6.375% | $285,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 11 | 6.375% | $95,000 | 21.4% |
| LIMA ONE CAPITAL, LLC | 11 | 7.200% | $85,000 | 31.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 11 | 6.625% | $295,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 11 | 6.625% | $305,000 | 0.0% |
| United Bank of Union | 11 | 6.750% | $275,000 | 0.0% |
| ALLIANT CREDIT UNION | 10 | 6.188% | $325,000 | 54.6% |
| DIGITAL | 10 | 7.745% | $225,000 | 33.3% |
| KIND LENDING, LLC | 10 | 7.188% | $180,000 | 47.4% |
| NQM FUNDING, LLC | 10 | 6.490% | $455,000 | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 10 | 6.688% | $260,000 | 9.1% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 10 | 5.988% | $390,000 | 9.1% |
| Click n' Close, Inc. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Farmers Bank & Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| USALLIANCE FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 254900A6RJO3HDSWBD64 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Manufacturers and Traders Trust Company | 8 | Under 10 loans | Under 10 loans | 33.3% |
| GOLDEN EMPIRE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| 5493004T38NMC864VL66 | 8 | Under 10 loans | Under 10 loans | 42.9% |
| River Region Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Washington | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST MIDAMERICA CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Waterloo | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hillsboro, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 293 lenders each made 7 or fewer mortgages here, and are counted in the totals above.
Bank branches in St. Louis County
303 FDIC-insured branches from 55 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
5 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- CNB Bank and Trust, N.A., 168 N Meramec Ave, Ste 350, Clayton
- Cadence Bank, 9994 Manchester Rd, Saint Louis
- Great Southern Bank, 8235 Forsyth Blvd, Ste 150, Clayton
- M1 Bank, 11697 Manchester Rd, Des Peres
- M1 Bank, 7801 Forsyth Boulevard, Clayton
Get told when this changes
When the next year’s lending figures are out for St. Louis County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.