Royal Banks of Missouri
Royal Banks of Missouri received 201 applications in 2025 and made 47 mortgages, in 39 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $315,000. Of 157 decisions, 110 were denials — 70.1%. 119 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 54930032XJT9NQZ5I683 |
|---|---|
| Applications received | 201 |
| Mortgages made | 47 |
| Denied | 110 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 44 |
| Loans bought from other lenders | 21 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Royal Banks of Missouri, 19 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 35 | Not published | $325,000 | 75.4% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | Not published |
Where Royal Banks of Missouri lends most
The 39 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Louis County, MO | 17 | Not published | 5.6% |
| St. Charles County, MO | 7 | Under 10 loans | 12.5% |
| Madison County, IL | 4 | Under 10 loans | 0.0% |
| Jefferson County, MO | 4 | Under 10 loans | 33.3% |
| Jersey County, IL | 3 | Under 10 loans | 57.1% |
| Franklin County, MO | 2 | Under 10 loans | 0.0% |
| Marion County, MO | 2 | Under 10 loans | 0.0% |
| Pike County, MO | 2 | Under 10 loans | 33.3% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Crawford County, MO | 1 | Under 10 loans | 0.0% |
| Dent County, MO | 1 | Under 10 loans | 0.0% |
| Gasconade County, MO | 1 | Under 10 loans | 50.0% |
| Lewis County, MO | 1 | Under 10 loans | 0.0% |
| Lincoln County, MO | 1 | Under 10 loans | 0.0% |
| Garland County, AR | 0 | Under 10 loans | Not published |
| Washington County, AR | 0 | Under 10 loans | Not published |
| Clinton County, IL | 0 | Under 10 loans | Not published |
| Fayette County, IL | 0 | Under 10 loans | Not published |
| Randolph County, IL | 0 | Under 10 loans | Not published |
| St. Clair County, IL | 0 | Under 10 loans | 100.0% |
| Johnson County, KS | 0 | Under 10 loans | Not published |
| Audrain County, MO | 0 | Under 10 loans | Not published |
| Camden County, MO | 0 | Under 10 loans | Not published |
| Carter County, MO | 0 | Under 10 loans | 100.0% |
| Howard County, MO | 0 | Under 10 loans | 100.0% |
| Jackson County, MO | 0 | Under 10 loans | Not published |
| Macon County, MO | 0 | Under 10 loans | 100.0% |
| Maries County, MO | 0 | Under 10 loans | 100.0% |
| Monroe County, MO | 0 | Under 10 loans | Not published |
| New Madrid County, MO | 0 | Under 10 loans | Not published |
| Oregon County, MO | 0 | Under 10 loans | 100.0% |
| Platte County, MO | 0 | Under 10 loans | Not published |
| Ralls County, MO | 0 | Under 10 loans | 100.0% |
| Stoddard County, MO | 0 | Under 10 loans | 100.0% |
| Sullivan County, MO | 0 | Under 10 loans | 100.0% |
| Warren County, MO | 0 | Under 10 loans | Not published |
| Washington County, MO | 0 | Under 10 loans | 100.0% |
| Wright County, MO | 0 | Under 10 loans | 100.0% |
| St. Louis city, MO | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.