Mortgage lenders in St. Charles County
11,891 mortgages were made in St. Charles County, Missouri, in 2025, by 389 lenders. The median rate their borrowers got was 6.625% on a median loan of $255,000. Of 14,657 decisions, 2,370 were denials — 16.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FIRST COMMUNITY | 747 | 5.950% | $95,000 | 27.9% |
| Rocket Mortgage, LLC | 620 | 6.750% | $225,000 | 13.3% |
| GUILD MORTGAGE COMPANY | 576 | 6.625% | $295,000 | 2.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 554 | 6.500% | $315,000 | 6.7% |
| U.S. Bank National Association | 426 | 7.975% | $135,000 | 30.7% |
| FLAT BRANCH MORTGAGE, INC. | 414 | 6.625% | $295,000 | 0.9% |
| Broker Solutions, Inc. | 397 | 6.750% | $285,000 | 5.9% |
| DAS Acquisition Company, LLC | 378 | 6.813% | $295,000 | 2.4% |
| Stifel Bank and Trust | 351 | 6.375% | $305,000 | 1.9% |
| First State Bank of St. Charles, Missouri | 336 | 6.750% | $255,000 | 0.0% |
| VANTAGE Credit Union | 232 | 7.250% | $85,000 | 20.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 221 | 6.625% | $365,000 | 4.7% |
| Commerce Bank | 220 | 7.325% | $65,000 | 31.1% |
| West Community Credit Union | 212 | 7.490% | $95,000 | 15.5% |
| Regions Bank | 206 | 5.500% | $105,000 | 27.6% |
| The Central Trust Bank | 194 | 6.563% | $245,000 | 5.2% |
| PENNYMAC LOAN SERVICES, LLC | 192 | 6.562% | $245,000 | 14.3% |
| Bank of America, National Association | 185 | 6.490% | $105,000 | 37.5% |
| GUARANTEED RATE AFFINITY, LLC | 185 | 6.550% | $305,000 | 4.1% |
| TOGETHER CREDIT UNION | 177 | 7.500% | $115,000 | 16.3% |
| GERSHMAN INVESTMENT CORP. | 168 | 6.625% | $305,000 | 5.6% |
| FREEDOM MORTGAGE CORPORATION | 158 | 6.250% | $305,000 | 9.2% |
| DELMAR FINANCIAL COMPANY | 141 | 6.500% | $305,000 | 1.9% |
| Nations Lending Corporation | 138 | 6.750% | $295,000 | 2.7% |
| Mortgage Research Center, LLC | 137 | 6.250% | $335,000 | 23.2% |
| NATIONSTAR MORTGAGE LLC | 135 | 8.250% | $105,000 | 14.5% |
| NEWREZ LLC | 114 | 6.625% | $255,000 | 31.8% |
| Carrollton Bank | 106 | 6.750% | $245,000 | 9.2% |
| PNC Bank, National Association | 104 | 7.750% | $105,000 | 30.0% |
| ENDEAVOR CAPITAL, LLC. | 103 | 6.625% | $295,000 | 3.7% |
| JLB CORPORATION | 100 | 6.433% | $265,000 | 6.5% |
| First Bank | 94 | 6.813% | $230,000 | 11.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 93 | 6.750% | $325,000 | 1.0% |
| Navy Federal Credit Union | 88 | 7.000% | $270,000 | 22.1% |
| Loandepot.Com, LLC | 88 | 6.750% | $195,000 | 27.2% |
| NEIGHBORS Credit Union | 85 | Not published | $105,000 | 26.7% |
| JPMorgan Chase Bank, National Association | 84 | 6.490% | $275,000 | 11.3% |
| The Bank of Old Monroe | 83 | Not published | $285,000 | 4.4% |
| GENEVA FINANCIAL, LLC | 80 | 6.688% | $305,000 | 1.2% |
| Fairway Independent Mortgage Corporation | 68 | 6.625% | $315,000 | 2.9% |
| FIGURE LENDING LLC | 65 | 8.725% | $55,000 | 25.8% |
| First Horizon Bank | 65 | 6.625% | $295,000 | 8.5% |
| SPRING EQ, LLC | 64 | 9.213% | $65,000 | 47.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 6.375% | $330,000 | 17.1% |
| VICTORY MORTGAGE, L.L.C. | 58 | 6.313% | $395,000 | 13.4% |
| SCOTT CREDIT UNION | 56 | 6.125% | $310,000 | 9.7% |
| Paramount Bank | 54 | 6.750% | $300,000 | 6.9% |
| ACCESS CAPITAL FUNDING, L.L.C. | 54 | 6.375% | $365,000 | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 53 | 6.625% | $275,000 | 10.2% |
| U S WIDE FINANCIAL LLC | 53 | 6.125% | $375,000 | 0.0% |
| Bell Bank | 49 | 6.625% | $325,000 | 3.9% |
| AmeriSave Mortgage Corporation | 47 | 7.875% | $105,000 | 59.0% |
| LAKEVIEW LOAN SERVICING, LLC | 47 | 6.625% | $265,000 | 46.4% |
| Wells Fargo Bank, National Association | 44 | 6.313% | $215,000 | 21.4% |
| UMB Bank, National Association | 42 | 5.990% | $105,000 | 15.7% |
| 254900A6RJO3HDSWBD64 | 40 | 6.057% | $305,000 | 4.8% |
| COMMUNITYAMERICA CREDIT UNION | 40 | 6.188% | $180,000 | 26.8% |
| First State Community Bank | 39 | 6.750% | $225,000 | 11.1% |
| Bank of Springfield | 37 | 6.625% | $265,000 | 14.0% |
| Associated Bank, National Association | 36 | 5.938% | $835,000 | 38.3% |
| Midwest BankCentre | 36 | 6.375% | $305,000 | 2.7% |
| ENVOY MORTGAGE, LTD | 34 | 6.813% | $275,000 | 0.0% |
| Great Southern Bank | 33 | 6.750% | $175,000 | 26.7% |
| EVERETT FINANCIAL, INC. | 33 | 6.875% | $295,000 | 5.6% |
| ALLIANCE CREDIT UNION | 32 | Not published | $85,000 | 5.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 31 | 8.125% | $105,000 | 22.5% |
| Third Federal Savings and Loan Association of Cleveland | 30 | 6.990% | $105,000 | 16.2% |
| Truist Bank | 29 | 6.625% | $325,000 | 6.1% |
| GUARANTEED RATE, INC. | 28 | 6.375% | $265,000 | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 27 | 6.333% | $325,000 | 5.6% |
| FAMILY FINANCE MORTGAGE, LLC | 27 | 6.625% | $335,000 | 0.0% |
| CMG MORTGAGE, INC. | 26 | 6.625% | $330,000 | 0.0% |
| PEOPLES BANK & TRUST CO. | 26 | Not published | $140,000 | 6.9% |
| Discover Bank | 25 | 8.950% | $75,000 | 69.4% |
| ALLTRU FEDERAL CREDIT UNION | 25 | 7.240% | $115,000 | 28.6% |
| BMO Bank National Association | 25 | 8.725% | $145,000 | 34.2% |
| Kiavi Funding, Inc. | 25 | 8.500% | $235,000 | 0.0% |
| Simmons Bank | 24 | 3.990% | $180,000 | 22.9% |
| Midland States Bank | 24 | 5.990% | $105,000 | 10.3% |
| Lindell Bank & Trust Company | 24 | Not published | $170,000 | 7.1% |
| PLANET HOME LENDING, LLC | 24 | 6.125% | $330,000 | 7.4% |
| FCB Banks | 24 | 7.125% | $270,000 | 0.0% |
| HNB National Bank | 22 | 7.063% | $225,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 21 | 10.500% | $85,000 | 72.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 7.125% | $155,000 | 50.9% |
| First Mid Bank & Trust, National Association | 21 | 6.875% | $125,000 | 4.6% |
| 21st Mortgage Corporation | 20 | 10.960% | $65,000 | 73.0% |
| USAA Federal Savings Bank | 20 | 6.125% | $365,000 | 33.3% |
| Prosperity Home Mortgage, LLC | 20 | 6.438% | $315,000 | 16.7% |
| Valon Mortgage, Inc. | 20 | 8.450% | $50,000 | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 20 | 6.375% | $365,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 19 | 5.875% | $325,000 | 19.4% |
| ZILLOW HOME LOANS, LLC | 19 | 6.500% | $255,000 | 0.0% |
| GoodLeap, LLC | 18 | 6.495% | $225,000 | 13.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.375% | $315,000 | 0.0% |
| The Missouri Bank | 17 | Not published | $255,000 | 0.0% |
| American Bank of Freedom | 17 | 7.500% | $335,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 16 | 6.625% | $415,000 | 5.6% |
| MORTGAGE SOLUTIONS LLC | 16 | 6.495% | $220,000 | 23.8% |
| QUORUM FEDERAL CREDIT UNION | 16 | 8.688% | $100,000 | 25.0% |
| NBKC BANK | 16 | 6.308% | $330,000 | 5.9% |
| PLAZA HOME MORTGAGE, INC. | 16 | 6.625% | $305,000 | 20.0% |
| PEOPLE'S SAVINGS BANK OF RHINELAND | 16 | Not published | $235,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 15 | 6.120% | $325,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 15 | 6.375% | $325,000 | 5.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 15 | 10.100% | $95,000 | 11.8% |
| Montgomery Bank | 15 | 7.625% | $195,000 | 0.0% |
| Heritage Community Bank | 15 | Not published | $245,000 | 0.0% |
| ARSENAL CREDIT UNION | 14 | 6.750% | $145,000 | 11.8% |
| BETTER MORTGAGE CORPORATION | 13 | 7.125% | $195,000 | 51.8% |
| PHH Mortgage Corporation | 13 | 6.375% | $275,000 | 18.8% |
| The Federal Savings Bank | 13 | 6.625% | $345,000 | 13.3% |
| UNION HOME MORTGAGE CORP. | 13 | 6.500% | $345,000 | 23.5% |
| TOWNE MORTGAGE COMPANY | 13 | 6.125% | $295,000 | 6.3% |
| THE LOAN STORE, INC. | 13 | 6.750% | $315,000 | 7.1% |
| GOLDEN EMPIRE MORTGAGE, INC. | 12 | 6.813% | $250,000 | 0.0% |
| COMMUNITY MORTGAGE, LLC | 12 | 6.250% | $345,000 | 7.7% |
| FRONTIER FINANCIAL, INC. | 12 | 6.750% | $365,000 | 0.0% |
| Arvest Bank | 11 | 6.500% | $405,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 10 | 6.808% | $305,000 | 60.7% |
| First Federal Bank | 10 | 5.990% | $335,000 | 16.7% |
| Peoples National Bank , N.A. | 10 | 6.750% | $295,000 | 8.3% |
| Enterprise Bank & Trust | 10 | Not published | $275,000 | 9.1% |
| GATEWAY METRO | 10 | 6.500% | $75,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 9 | Under 10 loans | Under 10 loans | 56.5% |
| ALLIANT CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Busey Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Click n' Close, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Bank of St. Clair | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Cornerstone First Mortgage, Inc | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Merchants Bank of Indiana | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CNB St Louis Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 53.3% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Boeing Employees Credit Union | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Banks of Missouri | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bank of Washington | 6 | Under 10 loans | Under 10 loans | 25.0% |
| 1ST MIDAMERICA CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Triad Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| River Region Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERANT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Community State Bank of Missouri | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Bison State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BLOOMSDALE BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Jonesburg State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 55.6% |
| TruHome Solutions, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank | 4 | Under 10 loans | Under 10 loans | 28.6% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Cadence Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CNB Bank And Trust, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| United Bank of Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Franklin County | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HomeBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| St. Johns Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 189 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in St. Charles County
107 FDIC-insured branches from 35 banks, as of 30 June 2026, with the deposits held at them.
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When the next year’s lending figures are out for St. Charles County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.