Name of the lender

CNB St Louis BankMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Maplewood, MO
Reporting agency: Federal Deposit Insurance Corporation (FDIC)
Legal Entity Identifier (LEI)
Earlier names on its filings: Citizens National Bank; Citizens National Bank of Greater St. Louis

Figures by state (CSV)

CNB St Louis Bank reported 55 mortgage applications in the HMDA data of 2025.

It originated 49 loans in 2025, for $31.2 million in total.

The lender filed the interest rate as “Exempt” for all of its 49 loans originated in 2025. This page shows no median interest rate.

This page shows no median total loan costs, because fewer than 20 loans report the amount.

It denied 3.8% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of CNB St Louis Bank, 2025
Figure	This lender	United States
Applications	55Under 0.1% of the US total	11,766,671
Loans originated	49$31.2 million	6,827,891
Median interest rate	ExemptWhy there is no median	6.375%
Median total loan costs	Exempt	$6,413
Denial rate	3.8%	22.6%

HMDA data are generally not used alone 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.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Median interest rate, 2025Exempt

The lender filed the interest rate as “Exempt” for all of its 49 loans originated in 2025.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians.

The applications, the loans originated and the denial rate on this page do not need the exempt fields.

A lender with a partial exemption can file “Exempt” in place of the interest rate, the total loan costs and some other fields. The glossary has the rule.

If a financial institution is eligible for a partial exemption for a specific transaction, then the financial institution is not required to collect, record, or report certain data points for the transaction.
Source: CFPB, A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data (June 2022), copied on 2 Oct 2026.

Median interest rate by year: CNB St Louis Bank and the United States

CNB St Louis BankUnited States

Action takenHMDA codes and labels

Records of CNB St Louis Bank by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	49	89.1%	50.4%
2Application approved but not accepted	1	1.8%	3.1%
3Application denied	2	3.6%	15.6%
4Application withdrawn by applicant	3	5.5%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of CNB St Louis Bank by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	55	49	3.8%US 23.4%

Applications of CNB St Louis Bank by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	38	34	69.4%
Home improvement	2	2	4.1%
Refinancing	11	11	22.4%
Cash-out refinancing	3	1	2.0%
Other purpose	1	1	2.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends1 state with 25 applications or more

CNB St Louis Bank by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Missouri	51	45	n/a	n/a	4.2%

Figures by yearHMDA 2022 to 2025

CNB St Louis Bank by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	55	49	n/a	n/a	3.8%	55
2024	60	45	n/a	n/a	9.4%	60
2023	118	82	n/a	n/a	10.6%	118
2022	237	191	4.000%	$3,346	6.7%	237
2021	n/a	n/a	n/a	n/a	n/a	503
2020	n/a	n/a	n/a	n/a	n/a	631
2019	n/a	n/a	n/a	n/a	n/a	422
2018	n/a	n/a	n/a	n/a	n/a	284

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: CNB St Louis Bank and the United States

CNB St Louis BankUnited States

VA lender statisticsLoans that VA guaranteed, by month

VA-guaranteed loans of CNB ST. LOUIS BANK, Sep 2025 to Aug 2026National figures from the Department of Veterans Affairs. VA counts a loan in the month of the guarantee.
Month	All	Purchase	Cash-out refinance	IRRRL
August 2026	0	0	0	0
July 2026	0	0	0	0
June 2026	0	0	0	0
May 2026	0	0	0	0
April 2026	0	0	0	0
March 2026	0	0	0	0
February 2026	0	0	0	0
January 2026	0	0	0	0
December 2025	0	0	0	0
November 2025	0	0	0	0
October 2025	0	0	0	0
September 2025	0	0	0	0

IRRRL is the VA Interest Rate Reduction Refinance Loan. The VA name of the lender is "CNB ST. LOUIS BANK". Every month.

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Alltru Federal Credit UnionWentzville, MO
Central Missouri Community Credit UnionWarrensburg, MO
Citizens Bank of AmsterdamRich Hill, MO
Commercial Trust CompanyFayette, MO
Farmers and Merchants Bank of St. ClairSaint Clair, MO
Mece Credit UnionJefferson City, MO
Mortgage Solutions, LLCSaint Charles, MO
Ozark BankOzark, MO
Royal Banks of MissouriUniversity City, MO
Security Bank of Kansas CityKansas City, KS
United Credit UnionMexico, MO
Verimore BankBrookfield, MO

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "CNB St Louis Bank mortgage rates and denial rate, 2025", https://lenderregister.com/lender/549300rm0vo0ubtmoz05-cnb-st-louis-bank/
Lender: CNB St Louis Bank, LEI 549300RM0VO0UBTMOZ05
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI. The VA figures are from the VA lender statistics.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did CNB St Louis Bank buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
In which states did CNB St Louis Bank originate the most loans in 2025?: It had 25 applications or more in one state only: Missouri, with 45 loans originated.
Which loan types did CNB St Louis Bank originate in 2025?: All its loans were of one type: 49 Conventional.
How did the applications of CNB St Louis Bank change from 2022 to 2025?: It reported 237 applications in 2022 and 55 in 2025.