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St. Charles County, Missouri · 2025

Mortgage lenders in St. Charles County, MO: denial rates and top lenders (2025)

374 lenders acted on 17,953 mortgage applications for properties in St. Charles County in 2025. 13.2% were denied (Missouri: 15.1%). Median rate on closed loans 6.63%; median loan $235,000; median property value $385,000.

18kApplications
13.2%Denial ratestate 15.1%
6.63%Median ratestate 6.63%
$235,000Median loan
$385,000Median property value

Largest lenders in St. Charles County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 First Community F 1,252747 23.2%5.95%
2 Rocket Mortgage C 812620 12.3%6.75%
3 Guild Mortgage A 765576 2.2%6.63%
4 U.S. Bank D 730426 26.6%7.98%
5 United Shore Financial Services B 649554 6.2%6.50%
6 Broker Solutions D 625397 4.0%6.75%
7 DAS Acquisition Company B 477378 2.1%6.81%
8 Flat Branch Mortgage A 469415 0.9%6.63%
9 Commerce Bank D 419220 24.3%7.33%
10 Stifel Bank and Trust A 394351 1.8%6.38%
11 Bank of America F 389185 28.8%6.49%
12 Regions Bank C 350206 25.1%5.50%
13 First State Bank of St. Charles, Missouri A 341336 0.0%6.75%
14 Pennymac Loan Services C 320192 10.3%6.56%
15 VANTAGE Credit Union D 319232 19.8%7.25%
16 Freedom Mortgage B 294158 6.1%6.25%
17 Newrez D 291114 18.6%6.63%
18 West Community Credit Union B 287212 15.0%7.49%
19 American Pacific Mortgage C 275221 4.0%6.63%
20 The Central Trust Bank C 274194 4.0%6.56%
21 Mortgage Research Center C 272137 15.4%6.25%
22 Guaranteed Rate Affinity A 264185 3.0%6.58%
23 Together Credit Union C 246177 14.2%7.50%
24 Gershman Investment B 214168 4.7%6.63%
25 Nationstar Mortgage C 183135 12.6%8.25%

Best approval odds in St. Charles County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Access Capital Funding540.0%
2U S Wide Financial530.0%
3First State Bank of St. Charles, Missouri3360.0%
4Flat Branch Mortgage4250.9%
5Crosscountry Mortgage1001.0%
6Geneva Financial811.2%
7Delmar Financial1581.9%
8Stifel Bank and Trust3621.9%
9DAS Acquisition Company4182.4%
10Nations Lending1492.7%

What St. Charles County borrowers applied for

By loan purpose

Home purchase 7,783 43% · 6.4% denied
Refinance 3,323 19% · 9.1% denied
Cash-out refinance 2,683 15% · 17.3% denied
Home improvement 1,986 11% · 24.7% denied
Other / HELOC 2,178 12% · 28.4% denied

By loan type

Conventional 14,672 82% · 13.4% denied
FHA 2,030 11% · 12.7% denied
VA 1,245 7% · 11.7% denied
USDA / RHS 6 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 831 36%
Credit history 628 27%
Incomplete application 283 12%
Collateral 249 11%
Other 185 8%
Unverifiable information 83 4%
Insufficient cash 38 2%
Employment history 18 1%
Mortgage insurance denied 1 0%

St. Charles County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202315,0269,55415.4%7.00%$205,000
202416,35910,63214.6%6.99%$225,000
202517,95311,89213.2%6.63%$235,000

Frequently asked questions

13.2% of applications in St. Charles County were denied in 2025, against 15.1% statewide in Missouri.

First Community, with 1,252 applications in 2025 and a denial rate of 23.2%.

The median mortgage application in St. Charles County in 2025 was for $235,000; the median property value on originated loans was $385,000.