Missouri · HMDA 2025
Mortgage lenders in St. Louis County, MO
484 lenders reported 43,125 home-loan applications in St. Louis County in 2025. 22,981 closed as loans ($6.3B), 5,497 were denied — a 18.6% denial rate on decided applications, close to the Missouri rate of 18.5%. The three most active lenders handled 15% of applications, led by U.S. Bank National Association. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 43,125
- Loans originated
- 22,981
- Purchase / refinance
- 11,754 / 7,059
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Louis County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | U.S. Bank National Association 55 out of 100, Moderate | 2,335 | 5.4% | 39.5% |
| 2 | GUILD MORTGAGE COMPANY | 2,186 | 5.1% | — |
| 3 | FIRST COMMUNITY | 1,822 | 4.2% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 1,640 | 3.8% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 1,500 | 3.5% | — |
| 6 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1,417 | 3.3% | 14.1% |
| 7 | Rocket Mortgage, LLC | 1,412 | 3.3% | — |
| 8 | Bank of America, National Association 59 out of 100, Moderate | 1,328 | 3.1% | 44.7% |
| 9 | Broker Solutions, Inc. | 1,256 | 2.9% | — |
| 10 | Commerce Bank 76 out of 100, Strong | 1,113 | 2.6% | 33.2% |
| 11 | NEWREZ LLC | 1,087 | 2.5% | — |
| 12 | DAS Acquisition Company, LLC | 896 | 2.1% | — |
| 13 | Stifel Bank and Trust 59 out of 100, Moderate | 872 | 2.0% | 2.3% |
| 14 | TOGETHER CREDIT UNION 64 out of 100, Moderate | 806 | 1.9% | 19.4% |
| 15 | Kiavi Funding, Inc. | 793 | 1.8% | — |
| 16 | Regions Bank 64 out of 100, Moderate | 760 | 1.8% | 43.1% |
| 17 | FLAT BRANCH MORTGAGE, INC. | 628 | 1.5% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 547 | 1.3% | — |
| 19 | The Central Trust Bank 69 out of 100, Moderate | 540 | 1.3% | 10.4% |
| 20 | NATIONSTAR MORTGAGE LLC | 530 | 1.2% | — |
| 21 | Carrollton Bank 58 out of 100, Moderate | 516 | 1.2% | 7.4% |
| 22 | GUARANTEED RATE AFFINITY, LLC | 514 | 1.2% | — |
| 23 | Mortgage Research Center, LLC | 490 | 1.1% | — |
| 24 | AMERIHOME MORTGAGE COMPANY, LLC | 470 | 1.1% | — |
| 25 | NEIGHBORS Credit Union 66 out of 100, Moderate | 442 | 1.0% | 26.2% |
| 26 | PNC Bank, National Association 62 out of 100, Moderate | 396 | 0.9% | 33.8% |
| 27 | VANTAGE Credit Union 57 out of 100, Moderate | 391 | 0.9% | 25.2% |
| 28 | GERSHMAN INVESTMENT CORP. | 388 | 0.9% | — |
| 29 | Navy Federal Credit Union 66 out of 100, Moderate | 386 | 0.9% | 32.9% |
| 30 | GUARANTEED RATE, INC. | 383 | 0.9% | — |
| 31 | First State Bank of St. Charles, Missouri | 362 | 0.8% | — |
| 32 | LEADERONE FINANCIAL CORPORATION | 350 | 0.8% | — |
| 33 | DELMAR FINANCIAL COMPANY | 339 | 0.8% | — |
| 34 | PLANET HOME LENDING, LLC | 333 | 0.8% | — |
| 35 | West Community Credit Union 52 out of 100, Below average | 322 | 0.7% | 22.0% |
| 36 | Truist Bank 63 out of 100, Moderate | 321 | 0.7% | 40.8% |
| 37 | AmeriSave Mortgage Corporation | 296 | 0.7% | — |
| 38 | FIGURE LENDING LLC | 287 | 0.7% | — |
| 39 | FCB Banks 66 out of 100, Moderate | 287 | 0.7% | 9.4% |
| 40 | First Bank 66 out of 100, Moderate | 286 | 0.7% | 18.1% |
Top 40 of 484 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Missouri
- 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
- Franklin County 4,405 apps