Home purchase lenders in St. Charles County
5,853 home purchase mortgages were made in St. Charles County, Missouri, in 2025, by 320 lenders. The median rate their borrowers got was 6.625% on a median loan of $305,000. Of 6,473 decisions, 494 were denials — 7.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 387 | 6.625% | $305,000 | 2.2% |
| FLAT BRANCH MORTGAGE, INC. | 331 | 6.625% | $295,000 | 1.2% |
| DAS Acquisition Company, LLC | 306 | 6.875% | $295,000 | 1.2% |
| Broker Solutions, Inc. | 295 | 6.750% | $295,000 | 2.9% |
| Stifel Bank and Trust | 267 | 6.375% | $305,000 | 0.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 261 | 6.590% | $325,000 | 6.4% |
| First State Bank of St. Charles, Missouri | 226 | 6.625% | $265,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 177 | 6.625% | $365,000 | 3.8% |
| FIRST COMMUNITY | 168 | 5.950% | $305,000 | 21.4% |
| Rocket Mortgage, LLC | 152 | 6.500% | $330,000 | 9.8% |
| U.S. Bank National Association | 146 | 6.500% | $295,000 | 12.4% |
| GUARANTEED RATE AFFINITY, LLC | 142 | 6.588% | $300,000 | 3.4% |
| GERSHMAN INVESTMENT CORP. | 127 | 6.625% | $295,000 | 4.5% |
| The Central Trust Bank | 124 | 6.625% | $350,000 | 1.6% |
| Nations Lending Corporation | 116 | 6.750% | $295,000 | 2.4% |
| Mortgage Research Center, LLC | 108 | 6.250% | $325,000 | 4.4% |
| DELMAR FINANCIAL COMPANY | 98 | 6.625% | $300,000 | 0.9% |
| ENDEAVOR CAPITAL, LLC. | 70 | 6.625% | $305,000 | 1.4% |
| Carrollton Bank | 69 | 6.624% | $265,000 | 2.8% |
| VICTORY MORTGAGE, L.L.C. | 54 | 6.375% | $410,000 | 12.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 52 | 6.875% | $335,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 50 | 6.490% | $315,000 | 9.1% |
| Paramount Bank | 50 | 6.750% | $310,000 | 7.4% |
| TOGETHER CREDIT UNION | 49 | 6.375% | $345,000 | 14.0% |
| Fairway Independent Mortgage Corporation | 49 | 6.750% | $315,000 | 2.0% |
| First Horizon Bank | 48 | 6.625% | $320,000 | 7.7% |
| The Bank of Old Monroe | 47 | Not published | $335,000 | 2.0% |
| GENEVA FINANCIAL, LLC | 46 | 6.875% | $315,000 | 2.1% |
| Navy Federal Credit Union | 46 | 6.125% | $370,000 | 6.1% |
| First Bank | 44 | 6.750% | $270,000 | 0.0% |
| Regions Bank | 44 | 6.500% | $330,000 | 6.0% |
| Bell Bank | 43 | 6.625% | $325,000 | 2.3% |
| LEADERONE FINANCIAL CORPORATION | 42 | 6.625% | $280,000 | 12.5% |
| Bank of America, National Association | 40 | 6.375% | $270,000 | 24.5% |
| VANTAGE Credit Union | 40 | 5.995% | $340,000 | 2.4% |
| 254900A6RJO3HDSWBD64 | 39 | 6.124% | $305,000 | 4.9% |
| SCOTT CREDIT UNION | 39 | 6.000% | $315,000 | 0.0% |
| U S WIDE FINANCIAL LLC | 37 | 6.125% | $385,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 6.495% | $305,000 | 12.2% |
| First State Community Bank | 33 | 6.625% | $255,000 | 10.5% |
| Commerce Bank | 31 | 6.375% | $295,000 | 13.2% |
| ACCESS CAPITAL FUNDING, L.L.C. | 31 | 6.625% | $385,000 | 0.0% |
| Bank of Springfield | 30 | 6.625% | $270,000 | 6.3% |
| Associated Bank, National Association | 28 | 5.813% | $885,000 | 40.8% |
| EVERETT FINANCIAL, INC. | 27 | 6.875% | $295,000 | 6.9% |
| ENVOY MORTGAGE, LTD | 26 | 6.813% | $270,000 | 0.0% |
| NEWREZ LLC | 25 | 6.625% | $295,000 | 13.3% |
| JLB CORPORATION | 25 | 6.750% | $305,000 | 7.4% |
| Midwest BankCentre | 24 | 6.125% | $305,000 | 0.0% |
| Wells Fargo Bank, National Association | 22 | 5.938% | $235,000 | 12.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 21 | 10.500% | $85,000 | 72.4% |
| Loandepot.Com, LLC | 21 | 6.750% | $275,000 | 4.6% |
| 21st Mortgage Corporation | 20 | 10.960% | $65,000 | 72.2% |
| PNC Bank, National Association | 20 | 6.625% | $355,000 | 16.7% |
| Kiavi Funding, Inc. | 20 | 9.450% | $235,000 | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 20 | 6.375% | $365,000 | 0.0% |
| CMG MORTGAGE, INC. | 19 | 6.625% | $395,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 6.625% | $365,000 | 9.5% |
| ZILLOW HOME LOANS, LLC | 19 | 6.500% | $255,000 | 0.0% |
| FCB Banks | 19 | 6.950% | $335,000 | 0.0% |
| USAA Federal Savings Bank | 18 | 6.125% | $380,000 | 30.8% |
| FAMILY FINANCE MORTGAGE, LLC | 18 | 6.625% | $345,000 | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 16 | 6.313% | $290,000 | 11.1% |
| West Community Credit Union | 16 | 6.125% | $295,000 | 5.9% |
| GUARANTEED RATE, INC. | 15 | 6.550% | $355,000 | 0.0% |
| American Bank of Freedom | 15 | 7.500% | $325,000 | 0.0% |
| Great Southern Bank | 14 | 6.750% | $320,000 | 12.5% |
| Lindell Bank & Trust Company | 14 | Not published | $180,000 | 0.0% |
| Truist Bank | 14 | 6.625% | $330,000 | 0.0% |
| HNB National Bank | 14 | 6.938% | $235,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.375% | $325,000 | 6.3% |
| PEOPLES BANK & TRUST CO. | 13 | Not published | $355,000 | 12.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 13 | 6.250% | $365,000 | 0.0% |
| PEOPLE'S SAVINGS BANK OF RHINELAND | 13 | Not published | $205,000 | 0.0% |
| Heritage Community Bank | 13 | Not published | $255,000 | 0.0% |
| MORTGAGE SOLUTIONS LLC | 12 | 6.500% | $230,000 | 14.3% |
| NEIGHBORS Credit Union | 12 | Not published | $240,000 | 25.0% |
| TOWNE MORTGAGE COMPANY | 12 | 6.188% | $300,000 | 6.7% |
| NBKC BANK | 11 | 6.490% | $365,000 | 8.3% |
| Prosperity Home Mortgage, LLC | 11 | 6.625% | $305,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.125% | $275,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.250% | $335,000 | 8.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 10 | 6.750% | $365,000 | 9.1% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.688% | $325,000 | 9.1% |
| THE LOAN STORE, INC. | 10 | 6.688% | $355,000 | 0.0% |
| UMB Bank, National Association | 10 | 6.270% | $375,000 | 0.0% |
| PLANET HOME LENDING, LLC | 10 | 6.500% | $360,000 | 0.0% |
| The Missouri Bank | 10 | Not published | $240,000 | 0.0% |
| FRONTIER FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CNB St Louis Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 53.6% |
| ALLTRU FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Peoples National Bank , N.A. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Bank of St. Clair | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Banks of Missouri | 7 | Under 10 loans | Under 10 loans | 12.5% |
| COMMUNITY MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Midland States Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank & Trust | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 25.0% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BMO Bank National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Montgomery Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Washington | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| 1ST MIDAMERICA CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Triad Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| River Region Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Bison State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BLOOMSDALE BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Community State Bank of Missouri | 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% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| St. Johns Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TruHome Solutions, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Franklin County | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARSENAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GATEWAY METRO | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cadence Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank And Trust, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Waterloo | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Guaranty Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| St. Louis Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FCS Financial, FLCA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 1 | Under 10 loans | Under 10 loans | 87.5% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 120 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for St. Charles County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.