Mortgage lending in St. Louis city, Missouri
Lenders in St. Louis city, Missouri reported 9,161 mortgage applications for 2025, according to the CFPB.
9,161 mortgage applications and 5,424 loans originated in 2025; the denial rate was 20.4% of 7,130 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.
- 9,161
- Applications
- 5,424
- Loans originated
- 20.4%
- Denial rate
- 1,452 denied of 7,130 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 9,161 | 5,424 |
| 2024 | 8,405 | 5,006 |
| 2023 | 7,818 | 4,670 |
| 2022 | 10,691 | 6,660 |
| 2021 | 16,695 | 11,116 |
| 2020 | 16,378 | 10,781 |
| 2019 | 11,335 | 7,111 |
| 2018 | 10,079 | 5,969 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Guild Mortgage Company | 420 | 562 |
| Rocket Mortgage | 213 | 297 |
| United Wholesale Mortgage | 211 | 284 |
| The Central Trust Bank | 202 | 261 |
| Together Credit Union | 170 | 262 |
| Stifel Bank & Trust | 169 | 194 |
| New American Funding, LLC. | 168 | 300 |
| Das Acquisition Company, LLC | 164 | 225 |
| US Bank, N.A. | 143 | 323 |
| First Community Credit Union | 141 | 271 |
| Guaranteed Rate Affinity, LLC | 99 | 155 |
| Delmar Financial Company | 98 | 133 |
| Flat Branch Mortgage, Inc. | 98 | 122 |
| Kiavi Funding, Inc. | 97 | 209 |
| Bank of America NA | 92 | 218 |
| Gershman Investment Corp. | 84 | 113 |
| Carrollton Bank | 80 | 114 |
| FCB Banks | 79 | 102 |
| Commerce Bank | 77 | 211 |
| CV3 Financial Services, LLC | 70 | 97 |
| Pennymac Loan Services LLC | 66 | 129 |
| Mortgage Research Center | 63 | 146 |
| JPMorgan Chase Bank, NA | 62 | 108 |
| Endeavor Capital, LLC | 59 | 79 |
| Regions Bank | 58 | 148 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 34 | no rate: base under 50 |
| Asian | 254 | 18.9% of 196 decided |
| Black or African American | 1,425 | 43.6% of 1,080 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 5,028 | 13.8% of 4,038 decided |
| 2 or more minority races | withheld | |
| Joint | 152 | 20.5% of 122 decided |
| Race Not Available | 2,236 | 20.8% of 1,645 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 339 | 27.9% of 265 decided |
| Not Hispanic or Latino | 6,470 | 19.5% of 5,100 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,179 | 22.2% of 1,626 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,224 | 21.9% of 2,500 decided |
| Female | 2,510 | 24.4% of 1,942 decided |
| Joint | 1,792 | 12.9% of 1,466 decided |
| Sex Not Available | 1,635 | 19.9% of 1,222 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. 1159 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