Mortgage lending in St. Clair County, Missouri
Lenders in St. Clair County, Missouri reported 234 mortgage applications for 2025, according to the CFPB.
234 mortgage applications and 108 loans originated in 2025; the denial rate was 35.9% of 184 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: St. Clair County, MO.
- 234
- Applications
- 108
- Loans originated
- 35.9%
- Denial rate
- 66 denied of 184 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 234 | 108 |
| 2024 | 211 | 104 |
| 2023 | 171 | 92 |
| 2022 | 213 | 116 |
| 2021 | 255 | 153 |
| 2020 | 201 | 120 |
| 2019 | 217 | 100 |
| 2018 | 159 | 94 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Mortgage Research Center | 9 | 12 |
| Rocket Mortgage | 9 | 15 |
| Hawthorn Bank | 7 | 17 |
| Flat Branch Mortgage, Inc. | 6 | 10 |
| Community First Bank | 5 | 6 |
| FCS Financial FLCA | 4 | 4 |
| OakStar Bank | 4 | 5 |
| Cardinal Financial Company, Li | 3 | 3 |
| US Bank, N.A. | 3 | 12 |
| Pennymac Loan Services LLC | 3 | 3 |
| American Financial Resources LLC | 2 | 3 |
| Mid-Missouri Bank | 2 | 5 |
| New American Funding, LLC. | 2 | 9 |
| Newrez LLC | 2 | 2 |
| United Wholesale Mortgage | 2 | 3 |
| The Bank of Missouri | 2 | 2 |
| Equity Prime Mortgage LLC | 2 | 3 |
| Community Mortgage, LLC | 2 | 2 |
| New Day Financial, LLC. | 2 | 3 |
| Amerisave Mortgage Company | 2 | 8 |
| Umb Bank NA | 2 | 2 |
| Great Southern Bank | 1 | 2 |
| Community Bank of Marshall | 1 | 1 |
| The Maries County Bank | 1 | 1 |
| Mortgage Investment Services Corporation | 1 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | under 10 | |
| White | 195 | 35.8% of 151 decided |
| Joint | under 10 | |
| Race Not Available | 34 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 188 | 33.8% of 145 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 37 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 86 | 45.2% of 62 decided |
| Female | 35 | no rate: base under 50 |
| Joint | 89 | 30.7% of 75 decided |
| Sex Not Available | 24 | no rate: base under 50 |
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. 1792 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