Mortgage lending in St. Louis County, Missouri
Lenders in St. Louis County, Missouri reported 36,926 mortgage applications for 2025, according to the CFPB.
36,926 mortgage applications and 22,981 loans originated in 2025; the denial rate was 18.6% of 29,487 applications decided. The median loan was about $195,000. 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.
- 36,926
- Applications
- 22,981
- Loans originated
- 18.6%
- Denial rate
- 5,497 denied of 29,487 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 36,926 | 22,981 |
| 2024 | 33,150 | 20,794 |
| 2023 | 29,965 | 18,828 |
| 2022 | 40,690 | 26,044 |
| 2021 | 71,638 | 50,011 |
| 2020 | 77,204 | 54,230 |
| 2019 | 49,231 | 32,839 |
| 2018 | 39,855 | 25,419 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Guild Mortgage Company | 1,517 | 2,090 |
| United Wholesale Mortgage | 1,197 | 1,499 |
| First Community Credit Union | 1,019 | 1,822 |
| Rocket Mortgage | 987 | 1,372 |
| US Bank, N.A. | 823 | 1,640 |
| Stifel Bank & Trust | 774 | 872 |
| New American Funding, LLC. | 759 | 1,256 |
| Das Acquisition Company, LLC | 689 | 885 |
| Commerce Bank | 603 | 1,113 |
| Bank of America NA | 585 | 1,185 |
| Together Credit Union | 549 | 806 |
| Flat Branch Mortgage, Inc. | 449 | 515 |
| The Central Trust Bank | 401 | 540 |
| Carrollton Bank | 397 | 515 |
| Regions Bank | 370 | 760 |
| First State Bank of ST Charles | 344 | 362 |
| Guaranteed Rate Affinity, LLC | 334 | 514 |
| Pennymac Loan Services LLC | 312 | 588 |
| Neighbors Credit Union | 285 | 442 |
| Delmar Financial Company | 268 | 339 |
| Gershman Investment Corp. | 263 | 388 |
| Vantage Credit Union | 247 | 391 |
| Mortgage Research Center | 242 | 490 |
| FCB Banks | 237 | 287 |
| JPMorgan Chase Bank, NA | 224 | 388 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 107 | 41.6% of 89 decided |
| Asian | 1,730 | 19.4% of 1,335 decided |
| Black or African American | 5,642 | 32.4% of 4,307 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 21,756 | 15.0% of 18,070 decided |
| 2 or more minority races | 86 | 37.1% of 70 decided |
| Joint | 628 | 14.3% of 512 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 6,947 | 19.4% of 5,075 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,149 | 24.4% of 902 decided |
| Not Hispanic or Latino | 28,430 | 18.2% of 23,158 decided |
| Joint | 469 | 15.5% of 380 decided |
| Ethnicity Not Available | 6,854 | 19.9% of 5,026 decided |
| Free Form Text Only | 24 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 11,541 | 21.7% of 9,223 decided |
| Female | 9,335 | 23.5% of 7,456 decided |
| Joint | 11,498 | 11.9% of 9,588 decided |
| Sex Not Available | 4,552 | 18.8% of 3,220 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. 1158 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