Refinancing lenders in St. Charles County
2,175 refinancing mortgages were made in St. Charles County, Missouri, in 2025, by 209 lenders. The median rate their borrowers got was 6.250% on a median loan of $285,000. Of 2,594 decisions, 303 were denials — 11.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 217 | 6.125% | $325,000 | 3.5% |
| GUILD MORTGAGE COMPANY | 144 | 6.375% | $285,000 | 1.3% |
| Rocket Mortgage, LLC | 122 | 5.905% | $290,000 | 13.1% |
| FREEDOM MORTGAGE CORPORATION | 100 | 6.125% | $305,000 | 3.3% |
| First State Bank of St. Charles, Missouri | 87 | 7.000% | $145,000 | 0.0% |
| VANTAGE Credit Union | 61 | 7.250% | $125,000 | 14.3% |
| PENNYMAC LOAN SERVICES, LLC | 60 | 5.875% | $335,000 | 12.2% |
| Commerce Bank | 58 | 8.750% | $70,000 | 19.5% |
| Broker Solutions, Inc. | 49 | 6.375% | $305,000 | 3.9% |
| DAS Acquisition Company, LLC | 49 | 6.375% | $315,000 | 1.8% |
| FLAT BRANCH MORTGAGE, INC. | 47 | 6.125% | $315,000 | 0.0% |
| Regions Bank | 46 | 6.000% | $105,000 | 17.7% |
| NEWREZ LLC | 41 | 6.125% | $355,000 | 24.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 37 | 6.125% | $415,000 | 9.8% |
| TOGETHER CREDIT UNION | 37 | 7.500% | $155,000 | 17.8% |
| Stifel Bank and Trust | 37 | 6.000% | $345,000 | 2.6% |
| Bank of America, National Association | 35 | 5.990% | $105,000 | 23.9% |
| U.S. Bank National Association | 34 | 6.250% | $250,000 | 7.9% |
| DELMAR FINANCIAL COMPANY | 33 | 6.250% | $325,000 | 2.9% |
| GERSHMAN INVESTMENT CORP. | 31 | 6.625% | $325,000 | 8.8% |
| GUARANTEED RATE AFFINITY, LLC | 30 | 5.990% | $315,000 | 3.2% |
| ENDEAVOR CAPITAL, LLC. | 29 | 6.490% | $295,000 | 6.5% |
| The Bank of Old Monroe | 25 | Not published | $275,000 | 3.7% |
| First Bank | 24 | 6.563% | $240,000 | 3.9% |
| LAKEVIEW LOAN SERVICING, LLC | 23 | 6.125% | $345,000 | 47.5% |
| Carrollton Bank | 23 | 7.500% | $215,000 | 4.2% |
| NATIONSTAR MORTGAGE LLC | 22 | 5.990% | $285,000 | 21.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 22 | 6.183% | $350,000 | 0.0% |
| PNC Bank, National Association | 21 | 7.850% | $145,000 | 32.3% |
| West Community Credit Union | 20 | 6.500% | $165,000 | 27.6% |
| JLB CORPORATION | 19 | 6.250% | $295,000 | 5.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 18 | 5.870% | $330,000 | 4.0% |
| ACCESS CAPITAL FUNDING, L.L.C. | 18 | 6.125% | $330,000 | 0.0% |
| Mortgage Research Center, LLC | 17 | 5.875% | $355,000 | 40.0% |
| JPMorgan Chase Bank, National Association | 17 | 5.990% | $285,000 | 5.3% |
| GENEVA FINANCIAL, LLC | 16 | 6.125% | $285,000 | 0.0% |
| U S WIDE FINANCIAL LLC | 16 | 5.688% | $375,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 16 | 6.375% | $320,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 16 | 6.990% | $140,000 | 5.9% |
| NEIGHBORS Credit Union | 14 | Not published | $100,000 | 22.2% |
| Truist Bank | 14 | 6.125% | $320,000 | 11.1% |
| Nations Lending Corporation | 14 | 6.438% | $300,000 | 0.0% |
| UMB Bank, National Association | 14 | 5.990% | $105,000 | 0.0% |
| FIRST COMMUNITY | 12 | 5.950% | $350,000 | 29.4% |
| The Central Trust Bank | 12 | 6.313% | $325,000 | 0.0% |
| PLANET HOME LENDING, LLC | 12 | 5.750% | $315,000 | 7.1% |
| Fairway Independent Mortgage Corporation | 11 | 6.250% | $325,000 | 0.0% |
| Midland States Bank | 11 | 5.990% | $85,000 | 0.0% |
| First Horizon Bank | 11 | 6.000% | $295,000 | 8.3% |
| Lindell Bank & Trust Company | 10 | Not published | $165,000 | 16.7% |
| PEOPLES BANK & TRUST CO. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| LEADERONE FINANCIAL CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| The Missouri Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Springfield | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FINANCE MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HNB National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Midwest BankCentre | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Montgomery Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 75.0% |
| ALLTRU FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SCOTT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VICTORY MORTGAGE, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Simmons Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PEOPLE'S SAVINGS BANK OF RHINELAND | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTIER FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Jonesburg State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 28.6% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Paramount Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Bank of St. Clair | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARSENAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples National Bank , N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank of Freedom | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 71.4% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First State Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CNB Bank And Trust, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Callaway Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BLOOMSDALE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Triad Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Star | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FCS Financial, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GATEWAY METRO | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Landmark National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | Not published |
| Community State Bank of Missouri | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900A6RJO3HDSWBD64 | 0 | Under 10 loans | Under 10 loans | Not published |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of Washington | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STANFORD Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Bank of Missouri | 0 | Under 10 loans | Under 10 loans | Not published |
| Academy Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 9 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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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.