St. Louis County, MO: mortgage lenders, denial rate and originations, 2024

States › Missouri › St. Louis County

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

St. Louis County, Missouri, saw 33,150 HMDA-reported applications and 20,794 originations ($5.4bn) in 2024.

That is 50.2 originations per 1,000 households, against 52.4 for Missouri and 48.0 nationally.

The county's denial rate was 19.6%, close to the state rate of 19.9%. The median rate spread on originated loans was 0.5 percentage points and 14.9% of originations were 1.5 points or more above the average prime offer rate.

140 lenders reached 25 applications in the county; the most active by originations were Guild Mortgage Company (1,413), First Community Credit Union (989) and United Wholesale Mortgage (913).

Originations were up 10% on 2023.

33,150applications, 2024

20,794loans originated$5.4bn

19.6%denial rateMO 19.9% · US 24.3%

50.2originations per 1,000 householdsMO 52.4 · US 48.0

Most active lenders

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	Guild Mortgage Company	1,818	1,413	$347m	1.9%	—
2	First Community Credit Union	1,669	989	$144m	26.7%	—
3	United Wholesale Mortgage	1,151	913	$223m	9.3%	—
4	Rocket Mortgage	1,092	821	$169m	16.2%	—
5	Us Bank, N.A.	1,550	750	$175m	40.9%	—
6	Stifel Bank & Trust	832	729	$279m	2.4%	—
7	New American Funding, LLC.	1,184	699	$174m	11.3%	—
8	Das Acquisition Company, LLC	912	696	$191m	2.8%	—
9	Commerce Bank	1,160	583	$112m	36.1%	—
10	Bank of America NA	1,177	530	$105m	36.2%	—
11	Together Credit Union	748	488	$88m	18.0%	—
12	Flat Branch Mortgage, Inc.	478	406	$113m	1.7%	—
13	The Central Trust Bank	491	369	$97m	6.8%	—
14	Carrollton Bank	457	346	$101m	11.4%	—
15	Regions Bank	675	338	$74m	37.8%	—
16	Kiavi Funding, Inc.	386	335	$38m	5.0%	—
17	Gershman Investment Corp.	433	334	$77m	4.3%	—
18	First State Bank of St Charles	338	331	$88m	0.3%	—
19	Guaranteed Rate Affinity, LLC	442	316	$83m	7.2%	—
20	Delmar Financial Company	319	244	$78m	1.8%	—
21	Neighbors Credit Union	424	242	$33m	27.3%	—
22	JPMorgan Chase Bank, NA	360	238	$82m	11.7%	—
23	Fcb Banks	288	231	$89m	6.1%	—
24	Midwest Bankcentre	289	226	$83m	9.2%	—
25	Mortgage Research Center	425	215	$50m	23.9%	—
26	BPL Mortgage, LLC	266	207	$17m	5.4%	—
27	First Bank	293	203	$60m	21.5%	—
28	West Community Credit Union	300	182	$24m	22.9%	—
29	Newrez LLC	453	174	$40m	33.9%	—
30	Pennymac Loan Services LLC	379	169	$40m	22.7%	—
31	Leaderone Financial Corp.	245	164	$37m	12.7%	—
32	PNC Bank N.A.	309	158	$26m	32.1%	—
33	Truist Bank	195	155	$63m	5.3%	—
34	Vantage Credit Union	269	152	$22m	38.1%	—
35	Nationstar Mortgage	208	141	$24m	16.1%	—
36	Endeavor Capital LLC	197	137	$38m	1.4%	—
37	Fairway Independent Mort Corp	175	137	$38m	6.8%	—
38	Freedom Mortgage Corporation	314	136	$31m	18.0%	—
39	Navy Federal Credit Union	328	133	$26m	40.1%	—
40	Jlb Corp DBA Golden Oak Lending	179	132	$31m	8.1%	—

Lenders with at least 25 applications in the county, by originations; up to 40 shown of 140. Denial rate is denials over decided applications in this county.

Compared with Missouri and the nation

Measure	This county	Missouri	United States
Denial rate	19.6%	19.9%	24.3%
Median rate spread, pp	0.5	0.4	0.3
Originations with spread of 1.5 pp or more	14.9%	14.1%	15.6%
Average originated loan	$260k	$231k	$329k
Originations per 1,000 households	50.2	52.4	48.0
Home purchase share of originations	57.0%	58.6%	57.0%
FHA-insured share	10.6%	12.8%	13.4%
VA-guaranteed share	4.6%	8.2%	7.9%

Rate spread distribution

Below 0 pp23.8%

0 to 0.5 pp28.2%

0.5 to 1 pp21.6%

1 to 1.5 pp11.5%

1.5 to 3 pp10.5%

3 or more pp4.4%

Share of 17,201 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Missouri). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.

Loan purpose and loan type

By purpose

Home purchase 57% (11,861)Home improvement 9% (1,876)Refinancing 15% (3,062)Cash-out refinancing 10% (2,179)Other purpose 9% (1,815)

By type

Conventional 85% (17,624)FHA 11% (2,202)VA 5% (964)USDA 0% (4)

Trend by year

ApplicationsOriginations

Applications and originations in St. Louis County, 2022–2024

This countyMissouri

Denial rate by year, state rate dashed

Questions and answers

Which lenders are most active in St. Louis County, MO?

By 2024 originations: Guild Mortgage Company (1,413), First Community Credit Union (989), United Wholesale Mortgage (913), Rocket Mortgage (821), Us Bank, N.A. (750). 140 lenders had at least 25 applications in the county.

What is the mortgage denial rate in St. Louis County?

19.6% of decided applications were denied in 2024, against 19.9% across Missouri and 24.3% nationally.

How many mortgages were originated in St. Louis County in 2024?

20,794 loans totalling $5.4bn, from 33,150 applications; 50.2 originations per 1,000 households.

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 29189; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.