Refinancing lenders in St. Louis County
4,211 refinancing mortgages were made in St. Louis County, Missouri, in 2025, by 302 lenders. The median rate their borrowers got was 6.375% on a median loan of $235,000. Of 5,123 decisions, 665 were denials — 13.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 301 | 6.375% | $255,000 | 1.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 296 | 6.125% | $305,000 | 9.2% |
| Commerce Bank | 197 | 8.750% | $85,000 | 14.8% |
| Rocket Mortgage, LLC | 197 | 5.990% | $235,000 | 14.9% |
| Bank of America, National Association | 187 | 6.240% | $135,000 | 19.5% |
| TOGETHER CREDIT UNION | 121 | 7.500% | $125,000 | 14.4% |
| Kiavi Funding, Inc. | 110 | 7.250% | $90,000 | 9.8% |
| DAS Acquisition Company, LLC | 106 | 6.375% | $300,000 | 1.7% |
| FREEDOM MORTGAGE CORPORATION | 104 | 6.250% | $235,000 | 2.9% |
| PENNYMAC LOAN SERVICES, LLC | 100 | 5.995% | $260,000 | 13.2% |
| Regions Bank | 100 | 4.990% | $105,000 | 22.5% |
| U.S. Bank National Association | 90 | 6.375% | $285,000 | 8.9% |
| Broker Solutions, Inc. | 84 | 6.375% | $295,000 | 5.6% |
| Stifel Bank and Trust | 82 | 5.938% | $405,000 | 1.2% |
| VANTAGE Credit Union | 74 | 7.250% | $105,000 | 12.6% |
| Truist Bank | 65 | 6.375% | $405,000 | 5.6% |
| NEWREZ LLC | 61 | 6.500% | $245,000 | 19.8% |
| Carrollton Bank | 61 | 7.250% | $295,000 | 4.7% |
| FLAT BRANCH MORTGAGE, INC. | 52 | 6.433% | $330,000 | 0.0% |
| First Bank | 50 | 6.750% | $370,000 | 8.9% |
| UMB Bank, National Association | 47 | 5.990% | $145,000 | 7.8% |
| GERSHMAN INVESTMENT CORP. | 43 | 6.625% | $345,000 | 2.3% |
| DELMAR FINANCIAL COMPANY | 43 | 6.125% | $385,000 | 0.0% |
| First State Bank of St. Charles, Missouri | 43 | 6.500% | $275,000 | 0.0% |
| Lindell Bank & Trust Company | 42 | Not published | $210,000 | 4.6% |
| Mortgage Research Center, LLC | 40 | 5.875% | $240,000 | 39.1% |
| Great Southern Bank | 40 | 6.490% | $315,000 | 8.9% |
| NEIGHBORS Credit Union | 39 | Not published | $155,000 | 23.5% |
| PNC Bank, National Association | 38 | 7.825% | $160,000 | 13.0% |
| ENDEAVOR CAPITAL, LLC. | 37 | 6.490% | $245,000 | 0.0% |
| The Central Trust Bank | 37 | 6.375% | $345,000 | 2.6% |
| JPMorgan Chase Bank, National Association | 35 | 6.490% | $285,000 | 9.5% |
| FAMILY FINANCE MORTGAGE, LLC | 35 | 6.500% | $275,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 33 | 6.250% | $325,000 | 5.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 32 | 5.990% | $265,000 | 5.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 32 | 6.125% | $380,000 | 3.0% |
| ROYAL UNITED MORTGAGE LLC | 30 | 6.875% | $95,000 | 16.7% |
| ACCESS CAPITAL FUNDING, L.L.C. | 30 | 6.125% | $325,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 27 | 5.750% | $265,000 | 15.2% |
| Merchants Bank of Indiana | 26 | 6.125% | $375,000 | 3.7% |
| FCB Banks | 25 | 6.750% | $225,000 | 16.7% |
| FIRST COMMUNITY | 22 | 5.950% | $360,000 | 39.5% |
| West Community Credit Union | 22 | 6.500% | $175,000 | 25.6% |
| BPL MORTGAGE TRUST, LLC | 22 | 7.500% | $100,000 | 7.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 21 | 6.490% | $295,000 | 8.7% |
| PLANET HOME LENDING, LLC | 21 | 5.990% | $205,000 | 27.6% |
| Fairway Independent Mortgage Corporation | 21 | 6.490% | $345,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 20 | 6.250% | $285,000 | 39.2% |
| Third Federal Savings and Loan Association of Cleveland | 20 | 6.990% | $155,000 | 25.9% |
| Midwest BankCentre | 20 | 6.375% | $385,000 | 9.1% |
| Paramount Bank | 18 | 6.875% | $305,000 | 10.0% |
| American Bank of Freedom | 18 | 7.500% | $135,000 | 10.0% |
| Loandepot.Com, LLC | 17 | 5.875% | $235,000 | 19.1% |
| LEADERONE FINANCIAL CORPORATION | 16 | 6.562% | $240,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 16 | 7.688% | $260,000 | 36.0% |
| COMMUNITYAMERICA CREDIT UNION | 16 | 5.990% | $190,000 | 8.7% |
| GENEVA FINANCIAL, LLC | 14 | 6.563% | $355,000 | 0.0% |
| Simmons Bank | 14 | 3.990% | $95,000 | 16.7% |
| Town & Country Bank | 14 | Not published | $205,000 | 0.0% |
| Heritage Community Bank | 13 | Not published | $145,000 | 0.0% |
| ARSENAL CREDIT UNION | 13 | 4.750% | $95,000 | 7.1% |
| Discover Bank | 12 | 8.560% | $105,000 | 61.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 12 | 5.688% | $445,000 | 6.3% |
| Prosperity Home Mortgage, LLC | 12 | 5.933% | $290,000 | 7.7% |
| NBKC BANK | 12 | 5.875% | $390,000 | 25.0% |
| 254900CTT87ZKAUTIJ37 | 12 | 8.000% | $110,000 | 12.5% |
| U S WIDE FINANCIAL LLC | 12 | 5.688% | $355,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 12 | 6.438% | $395,000 | 7.7% |
| GUARANTEED RATE, INC. | 11 | 6.375% | $175,000 | 21.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 11 | 6.375% | $275,000 | 0.0% |
| Busey Bank | 11 | 7.500% | $155,000 | 15.4% |
| CMG MORTGAGE, INC. | 11 | 7.375% | $125,000 | 0.0% |
| Montgomery Bank | 11 | 8.000% | $85,000 | 8.3% |
| PHH Mortgage Corporation | 10 | 6.058% | $400,000 | 9.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.250% | $290,000 | 26.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.375% | $265,000 | 0.0% |
| Midland States Bank | 10 | 5.990% | $80,000 | 20.0% |
| JLB CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Bell Bank | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Sullivan Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Citizens Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Associated Bank, National Association | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Enterprise Bank & Trust | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Bank of Springfield | 8 | Under 10 loans | Under 10 loans | 27.3% |
| First Horizon Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| COMMUNITY MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Emporium TPO LLC | 7 | Under 10 loans | Under 10 loans | 18.2% |
| Cadence Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples National Bank , N.A. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Nations Lending Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Old Monroe | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTIER FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CNB St Louis Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Century Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 53.8% |
| AMERANT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SCOTT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CNB Bank And Trust, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank of Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| St. Johns Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First State Community Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Farmers and Merchants Bank of St. Clair | 3 | Under 10 loans | Under 10 loans | 20.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLE'S SAVINGS BANK OF RHINELAND | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Banks of Missouri | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Washington | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Triad Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Jonesburg State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 62.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GATEWAY METRO | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Regional Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Independent | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Buena Vista National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HNB National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 14.3% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900A6RJO3HDSWBD64 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PEOPLES BANK & TRUST CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of Franklin County | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 102 lenders each made 1 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.