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St. Louis city, Missouri · 2025

Mortgage lenders in St. Louis city, MO: denial rates and top lenders (2025)

369 lenders acted on 9,161 mortgage applications for properties in St. Louis city in 2025. 15.9% were denied (Missouri: 15.1%). Median rate on closed loans 6.75%; median loan $175,000; median property value $265,000.

9.2kApplications
15.9%Denial ratestate 15.1%
6.75%Median ratestate 6.63%
$175,000Median loan
$265,000Median property value

Largest lenders in St. Louis city

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Guild Mortgage A 562420 2.9%6.50%
2 U.S. Bank D 323143 36.8%7.25%
3 Broker Solutions D 300168 6.7%6.75%
4 Rocket Mortgage C 297213 18.5%6.75%
5 United Shore Financial Services B 284211 9.2%6.88%
6 First Community F 271141 22.9%6.88%
7 Together Credit Union C 262170 18.3%6.79%
8 The Central Trust Bank C 261202 4.2%6.63%
9 DAS Acquisition Company B 225164 2.7%6.75%
10 Bank of America F 21892 34.4%6.24%
11 Commerce Bank D 21177 35.6%6.50%
12 Kiavi Funding D 20997 9.6%9.99%
13 Stifel Bank and Trust A 194169 1.0%6.38%
14 Guaranteed Rate Affinity A 15599 3.2%6.58%
15 Regions Bank C 14858 43.9%6.06%
16 Mortgage Research Center C 14663 26.7%6.38%
17 Delmar Financial A 13398 0.8%6.75%
18 Pennymac Loan Services C 12966 16.3%6.62%
19 Flat Branch Mortgage A 12298 1.6%6.69%
20 Newrez D 12133 21.5%6.25%
21 Freedom Mortgage B 11447 5.3%6.38%
22 Carrollton Bank A 11480 8.8%6.75%
23 Gershman Investment B 11384 4.4%6.88%
24 JPMorgan Chase Bank B 10862 13.0%6.50%
25 Navy Federal Credit Union D 10731 39.3%6.88%

Best approval odds in St. Louis city

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

#LenderDecidedDecision denial rate
1First State Bank of St. Charles, Missouri570.0%
2Delmar Financial1190.8%
3Stifel Bank and Trust1721.2%
4Flat Branch Mortgage1002.0%
5Endeavor Capital, LLC.623.2%
6DAS Acquisition Company1843.3%
7Guild Mortgage4643.5%
8Guaranteed Rate Affinity1054.8%
9The Central Trust Bank2145.1%
10Gershman Investment905.6%

What St. Louis city borrowers applied for

By loan purpose

Home purchase 4,585 50% · 7.2% denied
Refinance 1,557 17% · 11.1% denied
Cash-out refinance 1,339 15% · 24.9% denied
Home improvement 931 10% · 37.1% denied
Other / HELOC 749 8% · 36.6% denied

By loan type

Conventional 7,702 84% · 15.5% denied
FHA 1,001 11% · 18.0% denied
VA 455 5% · 17.6% denied
USDA / RHS 3 0% · 0.0% denied

Why applications were denied

Credit history 347 24%
Collateral 339 24%
Debt-to-income ratio 327 23%
Incomplete application 188 13%
Other 129 9%
Unverifiable information 54 4%
Insufficient cash 26 2%
Employment history 17 1%

St. Louis city by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20237,8184,67017.8%6.99%$155,000
20248,4055,00617.2%6.99%$165,000
20259,1615,42415.9%6.75%$175,000

Frequently asked questions

15.9% of applications in St. Louis city were denied in 2025, against 15.1% statewide in Missouri.

Guild Mortgage, with 562 applications in 2025 and a denial rate of 2.9%.

The median mortgage application in St. Louis city in 2025 was for $175,000; the median property value on originated loans was $265,000.