Home purchase lenders in St. Louis County
11,754 home purchase mortgages were made in St. Louis County, Missouri, in 2025, by 416 lenders. The median rate their borrowers got was 6.625% on a median loan of $235,000. Of 13,233 decisions, 1,089 were denials — 8.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 1,127 | 6.625% | $205,000 | 3.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 708 | 6.990% | $155,000 | 7.0% |
| Broker Solutions, Inc. | 569 | 6.750% | $215,000 | 4.5% |
| Stifel Bank and Trust | 563 | 6.250% | $315,000 | 2.1% |
| DAS Acquisition Company, LLC | 549 | 6.875% | $235,000 | 2.3% |
| FLAT BRANCH MORTGAGE, INC. | 375 | 6.625% | $265,000 | 1.1% |
| U.S. Bank National Association | 293 | 6.500% | $255,000 | 14.7% |
| GUARANTEED RATE AFFINITY, LLC | 284 | 6.500% | $245,000 | 6.2% |
| First State Bank of St. Charles, Missouri | 281 | 6.750% | $255,000 | 0.0% |
| Rocket Mortgage, LLC | 278 | 6.500% | $245,000 | 15.5% |
| Carrollton Bank | 269 | 6.500% | $185,000 | 5.9% |
| The Central Trust Bank | 250 | 6.680% | $285,000 | 3.8% |
| GERSHMAN INVESTMENT CORP. | 212 | 6.625% | $205,000 | 7.1% |
| DELMAR FINANCIAL COMPANY | 209 | 6.625% | $275,000 | 2.5% |
| FIRST COMMUNITY | 196 | 6.500% | $240,000 | 27.5% |
| Mortgage Research Center, LLC | 191 | 6.500% | $235,000 | 13.4% |
| TOGETHER CREDIT UNION | 183 | 6.375% | $305,000 | 8.5% |
| LEADERONE FINANCIAL CORPORATION | 179 | 6.500% | $185,000 | 13.0% |
| Bank of America, National Association | 154 | 6.125% | $255,000 | 20.6% |
| FCB Banks | 149 | 6.970% | $195,000 | 6.3% |
| Midwest BankCentre | 142 | 6.490% | $240,000 | 4.1% |
| JPMorgan Chase Bank, National Association | 135 | 6.490% | $295,000 | 12.7% |
| BPL MORTGAGE TRUST, LLC | 128 | 7.375% | $75,000 | 6.5% |
| ENDEAVOR CAPITAL, LLC. | 121 | 6.624% | $245,000 | 3.9% |
| Fairway Independent Mortgage Corporation | 118 | 6.875% | $315,000 | 2.5% |
| Kiavi Funding, Inc. | 113 | 9.950% | $145,000 | 21.7% |
| Commerce Bank | 113 | 6.375% | $255,000 | 21.9% |
| Truist Bank | 98 | 6.625% | $370,000 | 4.8% |
| Paramount Bank | 98 | 6.625% | $365,000 | 2.0% |
| Nations Lending Corporation | 97 | 6.625% | $175,000 | 2.6% |
| EVERETT FINANCIAL, INC. | 94 | 6.625% | $165,000 | 9.6% |
| GENEVA FINANCIAL, LLC | 90 | 6.750% | $250,000 | 4.3% |
| Regions Bank | 88 | 6.625% | $280,000 | 18.0% |
| First Bank | 87 | 6.625% | $275,000 | 7.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 87 | 6.625% | $215,000 | 11.2% |
| CMG MORTGAGE, INC. | 82 | 6.375% | $195,000 | 1.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 79 | 6.875% | $225,000 | 4.8% |
| FAMILY FINANCE MORTGAGE, LLC | 77 | 6.875% | $215,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 70 | 6.624% | $310,000 | 17.4% |
| Navy Federal Credit Union | 67 | 6.500% | $255,000 | 15.7% |
| NEWREZ LLC | 65 | 6.875% | $235,000 | 25.0% |
| American Bank of Freedom | 63 | 8.250% | $195,000 | 0.0% |
| Wells Fargo Bank, National Association | 57 | 6.375% | $365,000 | 8.1% |
| Great Southern Bank | 57 | 6.750% | $305,000 | 3.4% |
| Lindell Bank & Trust Company | 56 | Not published | $155,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 49 | 6.625% | $185,000 | 9.1% |
| Bell Bank | 48 | 6.563% | $245,000 | 7.7% |
| NEIGHBORS Credit Union | 46 | Not published | $185,000 | 16.4% |
| JLB CORPORATION | 46 | 6.625% | $225,000 | 6.1% |
| ENVOY MORTGAGE, LTD | 45 | 6.875% | $275,000 | 6.3% |
| Heritage Community Bank | 40 | Not published | $170,000 | 2.3% |
| 254900CTT87ZKAUTIJ37 | 39 | 7.875% | $95,000 | 11.1% |
| Montgomery Bank | 39 | 7.250% | $165,000 | 14.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 37 | 6.625% | $265,000 | 0.0% |
| Cadence Bank | 35 | 6.875% | $175,000 | 10.0% |
| SCOTT CREDIT UNION | 35 | 6.125% | $285,000 | 5.4% |
| Bank of Springfield | 34 | 7.000% | $255,000 | 5.6% |
| Associated Bank, National Association | 33 | 5.875% | $455,000 | 20.5% |
| Paramount Residential Mortgage Group, Inc. | 32 | 6.500% | $200,000 | 5.9% |
| GUARANTEED RATE, INC. | 31 | 6.250% | $235,000 | 11.1% |
| Prosperity Home Mortgage, LLC | 30 | 6.500% | $245,000 | 6.3% |
| ACCESS CAPITAL FUNDING, L.L.C. | 30 | 6.625% | $275,000 | 0.0% |
| Midland States Bank | 29 | 6.625% | $195,000 | 9.1% |
| PNC Bank, National Association | 28 | 6.250% | $235,000 | 20.0% |
| Loan Funder LLC | 27 | 10.750% | $115,000 | 30.8% |
| PLAZA HOME MORTGAGE, INC. | 27 | 6.875% | $215,000 | 27.9% |
| First State Community Bank | 26 | 6.875% | $150,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 25 | 6.375% | $185,000 | 6.5% |
| USAA Federal Savings Bank | 24 | 6.125% | $290,000 | 17.2% |
| UNION HOME MORTGAGE CORP. | 24 | 6.875% | $335,000 | 14.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 6.500% | $385,000 | 3.9% |
| Peoples National Bank , N.A. | 24 | 6.750% | $450,000 | 7.4% |
| U S WIDE FINANCIAL LLC | 24 | 6.375% | $390,000 | 0.0% |
| Merchants Bank of Indiana | 23 | 6.625% | $325,000 | 14.8% |
| Enterprise Bank & Trust | 23 | Not published | $255,000 | 30.6% |
| Busey Bank | 23 | 6.625% | $145,000 | 17.9% |
| UMB Bank, National Association | 23 | 6.250% | $425,000 | 7.4% |
| MORTGAGE SOLUTIONS LLC | 22 | 6.500% | $180,000 | 8.0% |
| Arvest Bank | 22 | 6.500% | $630,000 | 0.0% |
| West Community Credit Union | 22 | 6.500% | $220,000 | 4.0% |
| FRONTIER FINANCIAL, INC. | 22 | 6.875% | $405,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 21 | 6.250% | $445,000 | 12.5% |
| NBKC BANK | 21 | 6.375% | $425,000 | 4.6% |
| Plains Commerce Bank | 21 | 6.750% | $395,000 | 0.0% |
| The Bank of Old Monroe | 21 | Not published | $155,000 | 0.0% |
| VANTAGE Credit Union | 21 | 6.125% | $295,000 | 0.0% |
| Sullivan Bank | 21 | 7.500% | $215,000 | 0.0% |
| Loandepot.Com, LLC | 20 | 6.625% | $135,000 | 28.6% |
| VICTORY MORTGAGE, L.L.C. | 20 | 6.500% | $520,000 | 4.8% |
| BMO Bank National Association | 18 | 6.875% | $445,000 | 24.0% |
| THE LOAN STORE, INC. | 18 | 6.563% | $270,000 | 12.5% |
| NATIONSTAR MORTGAGE LLC | 18 | 6.563% | $275,000 | 5.0% |
| ARSENAL CREDIT UNION | 18 | 4.750% | $240,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 17 | 6.375% | $335,000 | 5.6% |
| COMMUNITYAMERICA CREDIT UNION | 17 | 6.125% | $205,000 | 22.7% |
| CIBC Bank USA | 17 | 5.750% | $165,000 | 5.3% |
| LOWER, LLC | 17 | 6.625% | $235,000 | 5.6% |
| COMMUNITY MORTGAGE, LLC | 17 | 6.490% | $255,000 | 10.5% |
| Triad Bank | 17 | Not published | $425,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 16 | 6.433% | $365,000 | 10.5% |
| Morgan Stanley Private Bank, National Association | 16 | 6.165% | $825,000 | 5.9% |
| St. Johns Bank and Trust Company | 16 | Not published | $210,000 | 0.0% |
| First Horizon Bank | 15 | 6.625% | $285,000 | 23.8% |
| AMWEST FUNDING CORP. | 15 | 6.750% | $165,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 15 | 6.500% | $275,000 | 6.3% |
| AMERANT MORTGAGE, LLC | 15 | 7.125% | $285,000 | 6.3% |
| BETTER MORTGAGE CORPORATION | 14 | 6.375% | $300,000 | 22.2% |
| T2 FINANCIAL LLC | 13 | 6.625% | $245,000 | 12.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 6.875% | $225,000 | 6.7% |
| AMERICAN HERITAGE LENDING, LLC | 12 | 7.500% | $95,000 | 10.5% |
| DOMINION FINANCIAL SERVICES, LLC | 12 | 8.875% | $115,000 | 0.0% |
| ALLIANCE CREDIT UNION | 12 | Not published | $215,000 | 14.3% |
| Cornerstone First Mortgage, Inc | 12 | 6.750% | $185,000 | 0.0% |
| Citizens Bank | 12 | Not published | $300,000 | 0.0% |
| Equity Prime Mortgage LLC | 11 | 7.250% | $235,000 | 15.4% |
| OCMBC, INC. | 11 | 7.125% | $265,000 | 13.3% |
| UIF CORPORATION | 11 | 6.990% | $465,000 | 8.3% |
| THOMPSON KANE & COMPANY, INC | 11 | 6.125% | $215,000 | 8.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 10 | 10.000% | $195,000 | 0.0% |
| First Federal Bank | 10 | 6.375% | $390,000 | 0.0% |
| A&D Mortgage LLC | 10 | 6.933% | $135,000 | 9.1% |
| Royal Banks of Missouri | 10 | Not published | $425,000 | 0.0% |
| CNB St Louis Bank | 10 | Not published | $195,000 | 8.3% |
| BLOOMSDALE BANK | 10 | Not published | $195,000 | 0.0% |
| CNB Bank And Trust, N.A. | 10 | 6.590% | $390,000 | 9.1% |
| Farmers and Merchants Bank of St. Clair | 10 | Not published | $355,000 | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 10 | 6.688% | $260,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Click n' Close, Inc. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Century Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Magnolia Bank, Incorporated | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| First Mid Bank & Trust, National Association | 8 | Under 10 loans | Under 10 loans | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Citibank, National Association | 7 | Under 10 loans | Under 10 loans | 11.1% |
| LIMA ONE CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GATEWAY METRO | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Waterloo | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 254900A6RJO3HDSWBD64 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 41.7% |
| River Region Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BAY EQUITY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLTRU FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Simmons Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Belleville | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Washington | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Community Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| General Mortgage Capital Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INB, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hillsboro, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ozarks Federal Savings and Loan Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HNB National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Star | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 3 | Under 10 loans | Under 10 loans | 75.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Town & Country Bank | 3 | 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 216 lenders each made 3 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.