Mortgage lenders in St. Francois County
1,387 mortgages were made in St. Francois County, Missouri, in 2025, by 167 lenders. The median rate their borrowers got was 6.750% on a median loan of $165,000. Of 1,827 decisions, 376 were denials — 20.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| First State Community Bank | 323 | 6.875% | $115,000 | 16.2% |
| GUILD MORTGAGE COMPANY | 278 | 6.625% | $185,000 | 2.0% |
| Rocket Mortgage, LLC | 71 | 6.490% | $145,000 | 27.9% |
| Ozarks Federal Savings and Loan Association | 66 | 7.375% | $165,000 | 17.1% |
| Mortgage Research Center, LLC | 41 | 6.250% | $245,000 | 33.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 41 | 6.500% | $195,000 | 10.4% |
| U.S. Bank National Association | 39 | 8.350% | $55,000 | 47.4% |
| DAS Acquisition Company, LLC | 35 | 6.750% | $185,000 | 0.0% |
| GERSHMAN INVESTMENT CORP. | 32 | 6.625% | $205,000 | 0.0% |
| UNICO Bank | 29 | Not published | $155,000 | 9.4% |
| PENNYMAC LOAN SERVICES, LLC | 26 | 6.125% | $165,000 | 18.8% |
| Broker Solutions, Inc. | 21 | 6.875% | $175,000 | 19.2% |
| FREEDOM MORTGAGE CORPORATION | 20 | 6.250% | $200,000 | 14.8% |
| FIRST COMMUNITY | 15 | 6.500% | $105,000 | 44.4% |
| FLAT BRANCH MORTGAGE, INC. | 14 | 6.625% | $220,000 | 6.3% |
| 21st Mortgage Corporation | 13 | 9.890% | $125,000 | 59.4% |
| NATIONSTAR MORTGAGE LLC | 13 | 7.490% | $115,000 | 31.6% |
| Navy Federal Credit Union | 13 | 6.375% | $175,000 | 13.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 13 | 6.625% | $245,000 | 13.3% |
| NEWREZ LLC | 11 | 6.500% | $175,000 | 45.5% |
| Loandepot.Com, LLC | 10 | 6.750% | $145,000 | 45.0% |
| BLOOMSDALE BANK | 10 | Not published | $275,000 | 7.1% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| Commerce Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| SCOTT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| TOGETHER CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIGURE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| VANTAGE Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JLB CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 77.3% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FINANCE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARSENAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 81.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| River Region Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Old Monroe | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ACCESS CAPITAL FUNDING, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest BankCentre | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MRV Banks | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 28.6% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NEIGHBORS Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wood & Huston Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank Star | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HEARTLAND | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Century Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCORE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Carrollton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid America Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sullivan Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BluCurrent Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midland States Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FCS Financial, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Arvest Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NQM FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Lindell Bank & Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Ozark Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mid-Continent Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Stifel Bank and Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| BELLCO CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| INFUZE Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Centier Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third 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.
Bank branches in St. Francois County
24 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First State Community Bank | 9 | $907.5 million |
| New Era Bank | 5 | $203.7 million |
| UNICO Bank | 4 | $108.4 million |
| U.S. Bank National Association | 3 | $166.9 million |
| Belgrade State Bank | 2 | $244.4 million |
| Ozarks Federal Savings and Loan Association | 1 | $103.5 million |
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When the next year’s lending figures are out for St. Francois 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.