Mortgage lending in St. Charles County, Missouri
Lenders in St. Charles County, Missouri reported 17,953 mortgage applications for 2025, according to the CFPB.
17,953 mortgage applications and 11,892 loans originated in 2025; the denial rate was 16.2% of 14,658 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: St. Louis, MO-IL HUD Metro FMR Area.
- 17,953
- Applications
- 11,892
- Loans originated
- 16.2%
- Denial rate
- 2,370 denied of 14,658 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 17,953 | 11,892 |
| 2024 | 16,359 | 10,632 |
| 2023 | 15,026 | 9,554 |
| 2022 | 20,396 | 13,314 |
| 2021 | 38,119 | 27,431 |
| 2020 | 42,564 | 31,012 |
| 2019 | 26,191 | 18,406 |
| 2018 | 20,422 | 13,612 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First Community Credit Union | 747 | 1,252 |
| Rocket Mortgage | 620 | 812 |
| Guild Mortgage Company | 576 | 765 |
| United Wholesale Mortgage | 554 | 649 |
| US Bank, N.A. | 426 | 730 |
| Flat Branch Mortgage, Inc. | 415 | 469 |
| New American Funding, LLC. | 397 | 625 |
| Das Acquisition Company, LLC | 378 | 477 |
| Stifel Bank & Trust | 351 | 394 |
| First State Bank of ST Charles | 336 | 341 |
| Vantage Credit Union | 232 | 319 |
| American Pacific Mortgage Corporation | 221 | 275 |
| Commerce Bank | 220 | 419 |
| West Community Credit Union | 212 | 287 |
| Regions Bank | 206 | 350 |
| The Central Trust Bank | 194 | 274 |
| Pennymac Loan Services LLC | 192 | 320 |
| Guaranteed Rate Affinity, LLC | 185 | 264 |
| Bank of America NA | 185 | 389 |
| Together Credit Union | 177 | 246 |
| Gershman Investment Corp. | 168 | 214 |
| Freedom Mortgage Corporation | 158 | 294 |
| Delmar Financial Company | 141 | 174 |
| Nations Lending Corporation | 138 | 153 |
| Mortgage Research Center | 137 | 272 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 62 | no rate: base under 50 |
| Asian | 1,120 | 15.9% of 794 decided |
| Black or African American | 830 | 26.0% of 646 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 13,415 | 15.0% of 11,207 decided |
| 2 or more minority races | 21 | no rate: base under 50 |
| Joint | 349 | 17.4% of 275 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,140 | 19.4% of 1,662 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 485 | 27.4% of 383 decided |
| Not Hispanic or Latino | 14,963 | 15.3% of 12,314 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,211 | 19.7% of 1,720 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,831 | 17.6% of 4,605 decided |
| Female | 3,671 | 22.0% of 2,994 decided |
| Joint | 7,288 | 11.9% of 6,144 decided |
| Sex Not Available | 1,163 | 18.0% of 915 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 546 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved