Missouri · HMDA 2025
Mortgage lenders in St. Clair County, MO
88 lenders reported 259 home-loan applications in St. Clair County in 2025. 108 closed as loans ($17.0M), 66 were denied — a 35.9% denial rate on decided applications, above the Missouri rate of 18.5%. The three most active lenders handled 18% of applications, led by Hawthorn Bank. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 259
- Loans originated
- 108
- Purchase / refinance
- 49 / 43
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Clair County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Hawthorn Bank 75 out of 100, Strong | 17 | 6.6% | 18.4% |
| 2 | Rocket Mortgage, LLC | 15 | 5.8% | — |
| 3 | U.S. Bank National Association 55 out of 100, Moderate | 15 | 5.8% | 39.5% |
| 4 | Mortgage Research Center, LLC | 12 | 4.6% | — |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 10 | 3.9% | — |
| 6 | FLAT BRANCH MORTGAGE, INC. | 10 | 3.9% | — |
| 7 | Broker Solutions, Inc. | 9 | 3.5% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 8 | 3.1% | — |
| 9 | AmeriSave Mortgage Corporation | 8 | 3.1% | — |
| 10 | 21st Mortgage Corporation | 7 | 2.7% | — |
| 11 | COMMUNITYAMERICA CREDIT UNION | 7 | 2.7% | — |
| 12 | Community First Bank 67 out of 100, Moderate | 6 | 2.3% | 4.9% |
| 13 | NEWREZ LLC | 5 | 1.9% | — |
| 14 | PLANET HOME LENDING, LLC | 5 | 1.9% | — |
| 15 | Mid-Missouri Bank | 5 | 1.9% | — |
| 16 | NATIONSTAR MORTGAGE LLC | 5 | 1.9% | — |
| 17 | Oakstar Bank 69 out of 100, Moderate | 5 | 1.9% | 4.7% |
| 18 | FCS Financial, FLCA | 4 | 1.5% | — |
| 19 | DAS Acquisition Company, LLC | 4 | 1.5% | — |
| 20 | Commerce Bank 76 out of 100, Strong | 4 | 1.5% | 33.2% |
| 21 | Loandepot.Com, LLC | 3 | 1.2% | — |
| 22 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 1.2% | — |
| 23 | MORTGAGE INVESTMENT SERVICES CORPORATION | 3 | 1.2% | — |
| 24 | AMERICAN FINANCIAL RESOURCES, INC. | 3 | 1.2% | — |
| 25 | Equity Prime Mortgage LLC | 3 | 1.2% | — |
| 26 | NEW DAY FINANCIAL, LLC | 3 | 1.2% | — |
| 27 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 1.2% | — |
| 28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | 1.2% | — |
| 29 | Discover Bank | 2 | 0.8% | — |
| 30 | TRIAD FINANCIAL SERVICES, INC. | 2 | 0.8% | — |
| 31 | Great Southern Bank 73 out of 100, Strong | 2 | 0.8% | 24.6% |
| 32 | Community Bank of Missouri 74 out of 100, Strong | 2 | 0.8% | 12.7% |
| 33 | TAMMAC HOLDINGS CORPORATION | 2 | 0.8% | — |
| 34 | FREEDOM MORTGAGE CORPORATION | 2 | 0.8% | — |
| 35 | The Bank of Missouri 55 out of 100, Moderate | 2 | 0.8% | 16.0% |
| 36 | COMMUNITY MORTGAGE, LLC | 2 | 0.8% | — |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 2 | 0.8% | — |
| 38 | UNION HOME MORTGAGE CORP. | 2 | 0.8% | — |
| 39 | USAA Federal Savings Bank 64 out of 100, Moderate | 2 | 0.8% | 37.2% |
| 40 | PHH Mortgage Corporation | 2 | 0.8% | — |
Top 40 of 88 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
- St. Charles County 21,238 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