Missouri · HMDA 2025
Mortgage lenders in St. Charles County, MO
384 lenders reported 21,238 home-loan applications in St. Charles County in 2025. 11,892 closed as loans ($3.3B), 2,370 were denied — a 16.2% denial rate on decided applications, below the Missouri rate of 18.5%. The three most active lenders handled 16% of applications, led by FIRST COMMUNITY. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 21,238
- Loans originated
- 11,892
- Purchase / refinance
- 5,854 / 3,697
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Charles County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | FIRST COMMUNITY | 1,252 | 5.9% | — |
| 2 | PENNYMAC LOAN SERVICES, LLC | 1,115 | 5.3% | — |
| 3 | U.S. Bank National Association 55 out of 100, Moderate | 950 | 4.5% | 39.5% |
| 4 | Rocket Mortgage, LLC | 822 | 3.9% | — |
| 5 | GUILD MORTGAGE COMPANY | 779 | 3.7% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 651 | 3.1% | — |
| 7 | Broker Solutions, Inc. | 625 | 2.9% | — |
| 8 | NEWREZ LLC | 579 | 2.7% | — |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 568 | 2.7% | 14.1% |
| 10 | FLAT BRANCH MORTGAGE, INC. | 531 | 2.5% | — |
| 11 | DAS Acquisition Company, LLC | 480 | 2.3% | — |
| 12 | Bank of America, National Association 59 out of 100, Moderate | 419 | 2.0% | 44.7% |
| 13 | Commerce Bank 76 out of 100, Strong | 419 | 2.0% | 33.2% |
| 14 | Stifel Bank and Trust 59 out of 100, Moderate | 394 | 1.9% | 2.3% |
| 15 | FREEDOM MORTGAGE CORPORATION | 370 | 1.7% | — |
| 16 | Regions Bank 64 out of 100, Moderate | 350 | 1.6% | 43.1% |
| 17 | First State Bank of St. Charles, Missouri | 341 | 1.6% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 328 | 1.5% | — |
| 19 | VANTAGE Credit Union 57 out of 100, Moderate | 319 | 1.5% | 25.2% |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 311 | 1.5% | — |
| 21 | West Community Credit Union 52 out of 100, Below average | 289 | 1.4% | 22.0% |
| 22 | AMERICAN PACIFIC MORTGAGE CORPORATION | 275 | 1.3% | — |
| 23 | The Central Trust Bank 69 out of 100, Moderate | 274 | 1.3% | 10.4% |
| 24 | Mortgage Research Center, LLC | 272 | 1.3% | — |
| 25 | GUARANTEED RATE AFFINITY, LLC | 265 | 1.2% | — |
| 26 | TOGETHER CREDIT UNION 64 out of 100, Moderate | 246 | 1.2% | 19.4% |
| 27 | GUARANTEED RATE, INC. | 242 | 1.1% | — |
| 28 | GERSHMAN INVESTMENT CORP. | 214 | 1.0% | — |
| 29 | PNC Bank, National Association 62 out of 100, Moderate | 176 | 0.8% | 33.8% |
| 30 | DELMAR FINANCIAL COMPANY | 174 | 0.8% | — |
| 31 | Navy Federal Credit Union 66 out of 100, Moderate | 169 | 0.8% | 32.9% |
| 32 | LAKEVIEW LOAN SERVICING, LLC | 161 | 0.8% | — |
| 33 | PLANET HOME LENDING, LLC | 160 | 0.8% | — |
| 34 | FIGURE LENDING LLC | 157 | 0.7% | — |
| 35 | Nations Lending Corporation | 153 | 0.7% | — |
| 36 | Loandepot.Com, LLC | 152 | 0.7% | — |
| 37 | SPRING EQ, LLC | 147 | 0.7% | — |
| 38 | PHH Mortgage Corporation | 144 | 0.7% | — |
| 39 | Carrollton Bank 58 out of 100, Moderate | 139 | 0.7% | 7.4% |
| 40 | NEIGHBORS Credit Union 66 out of 100, Moderate | 139 | 0.7% | 26.2% |
Top 40 of 384 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Missouri
- St. Louis County 43,125 apps
- Jackson County 32,622 apps
- Greene County 13,657 apps
- Clay County 13,000 apps
- Jefferson County 12,164 apps
- St. Louis city 10,443 apps
- Boone County 7,197 apps
- Cass County 6,061 apps
- Jasper County 5,553 apps
- Christian County 5,034 apps
- Platte County 4,802 apps
- Franklin County 4,405 apps