St. Clair County, MO Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 259 mortgage applications in St. Clair County, MO totaling $38.6 million, up 14% from 2024. The average application was for $148,000, and applicants reported an average income of $85,000. 42% of applications resulted in an originated loan and 25% were denied. The most active lender was Hawthorn Bank, with 17 applications, followed by US Bank, N.A. and Mortgage Research Center.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 259 |
| Total Mortgage Loan Application Amount | $38,555,000 |
| Average Mortgage Loan Application Amount | $148,000 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $649,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ n/a | 17 | $ 2,785,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 15 | $ 1,295,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 12 | $ 2,120,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 10 | $ 1,870,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 10 | $ 1,130,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 9 | $ 1,005,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 8 | $ 1,270,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 8 | $ 1,570,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 7 | $ 995,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ n/a | 7 | $ 675,000 |
| Community First Bank P.O. BOX 407 BUTLER, MO 64730 |
* | $ n/a | 6 | $ 400,000 |
| Mid-Missouri Bank 3546 EAST SUNSHINE SPRINGFIELD, MO 65804 |
* | $ n/a | 5 | $ 505,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 985,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 5 | $ 835,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ n/a | 5 | $ 685,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 1,235,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 4 | $ 500,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 4 | $ 660,000 |
| Fcs Financial Flca 1930 E MILLER ST JEFFERSON CITY, MO 65101 |
* | $ n/a | 4 | $ 830,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 3 | $ 635,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 525,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 545,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 375,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 435,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 675,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 3 | $ 485,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 595,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ n/a | 2 | $ 430,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 370,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ n/a | 2 | $ 140,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 110,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 460,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 2 | $ 170,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 260,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 370,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ n/a | 2 | $ 280,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 470,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ n/a | 2 | $ 50,000 |
| Community Bank of Missouri 904 WALTON WAY RICHMOND, MO 64085 |
* | $ n/a | 2 | $ 90,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 80,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 2 | $ 130,000 |
| The Maries County Bank 218 4TH STREET VIENNA, MO 65582 |
* | $ n/a | 1 | $ 125,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 75,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ n/a | 1 | $ 265,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 405,000 |
| Mainstreet Federal Credit Union 13001 W 95TH STREET LENEXA, KS 66215 |
* | $ n/a | 1 | $ 125,000 |
| Academy Bank, N.A. 8551 NORTH BOARDWALK AVE KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 145,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 75,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 75,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 65,000 |
| 1st Midamerica Credit Union 731 E. BETHALTO DR BETHALTO, IL 62010 |
* | $ n/a | 1 | $ 105,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 65,000 |
| Grand Missouri Bank PO BOX 98 BOLIVAR, MO 65613 |
* | $ n/a | 1 | $ 25,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ n/a | 1 | $ 155,000 |
| Central Missouri Community Credit Union 620 N MAGUIRE WARRENSBURG, MO 64093 |
* | $ n/a | 1 | $ 185,000 |
| Guaranty Bank ANKENY, IA 50023 |
* | $ n/a | 1 | $ 35,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 415,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 125,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 55,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 195,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 1 | $ 45,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 85,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 1 | $ 305,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 165,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 85,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 145,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 225,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ n/a | 1 | $ 75,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 385,000 |
| Assemblies of God Credit Union 1535 N CAMPBELL AVE SPRINGFIELD, MO 65803 |
* | $ n/a | 1 | $ 275,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 225,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 595,000 |
| Mid America Bank 1511 FRIENDSHIP ROAD JEFFERSON CITY, MO 65101 |
* | $ n/a | 1 | $ 55,000 |
| Bank of Odessa 301 W HIGHWAY 40 ODESSA, MO 64076 |
* | $ n/a | 1 | $ 165,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 25,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 125,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 195,000 |
| Community Bank of Marshall P.O. BOX 700 MARSHALL, MO 65340 |
* | $ n/a | 1 | $ 205,000 |
| Sherwood Community Bank PO BOX 68 202 D ST. CREIGHTON, MO 64739 |
* | $ n/a | 1 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 35,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 165,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 265,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 1 | $ 175,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 185,000 |
| Citizens Bank of Amsterdam 19 SOUTH ORANGE STREET BUTLER, MO 64730 |
* | $ n/a | 1 | $ 125,000 |
| First State Bank & Trust PO BOX 219 TONGANOXIE, KS 66086 |
* | $ n/a | 1 | $ 415,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 85,000 |
The tables below break down 2025 mortgage applications in St. Clair County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for St. Clair County, MO in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 121 | $19,215,000 | $158,000 | $515,000 | $86,000 | $406,000 |
| Cash-out Refinancing | 54 | $8,320,000 | $154,000 | $445,000 | $74,000 | $188,000 |
| Refinancing | 35 | $7,135,000 | $203,000 | $1,005,000 | $94,000 | $239,000 |
| Other Purpose | 30 | $1,750,000 | $58,000 | $255,000 | $91,000 | $649,000 |
| Home Improvement | 19 | $2,135,000 | $112,000 | $515,000 | $88,000 | $181,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 193 | $27,405,000 | $141,000 | $1,005,000 | $89,000 | $649,000 |
| Not Provided | 32 | $5,190,000 | $162,000 | $445,000 | $65,000 | $168,000 |
| Not applicable | 25 | $4,855,000 | $194,000 | $485,000 | $43,000 | $43,000 |
| Hispanic | 4 | $260,000 | $65,000 | $155,000 | $55,000 | $72,000 |
| American Indian or Alaskan Native | 2 | $40,000 | $20,000 | $25,000 | $71,000 | $85,000 |
| Black or African American | 2 | $390,000 | $195,000 | $225,000 | $37,000 | $37,000 |
| Asian | 1 | $415,000 | $415,000 | $415,000 | $179,000 | $179,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 160 | $19,990,000 | $124,000 | $1,005,000 | $88,000 | $649,000 |
| FHA-insured (Federal Housing Administration) | 47 | $7,565,000 | $160,000 | $405,000 | $73,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 44 | $9,590,000 | $217,000 | $595,000 | $87,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,410,000 | $176,000 | $305,000 | $80,000 | $100,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 108 | $17,010,000 | $157,000 | $515,000 | $91,000 | $649,000 |
| Application Denied By Financial Institution | 66 | $8,300,000 | $125,000 | $1,005,000 | $79,000 | $348,000 |
| Application Withdrawn By Applicant | 32 | $5,580,000 | $174,000 | $595,000 | $91,000 | $406,000 |
| Loan Purchased By The Institution | 25 | $4,475,000 | $179,000 | $385,000 | $54,000 | $80,000 |
| File Closed For Incompleteness | 18 | $2,270,000 | $126,000 | $295,000 | $75,000 | $168,000 |
| Application Approved But Not Accepted | 10 | $920,000 | $92,000 | $155,000 | $75,000 | $132,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 175 | $28,385,000 | $162,000 | $595,000 | $87,000 | $649,000 |
| Debt-To-Income Ratio | 45 | $6,515,000 | $144,000 | $1,005,000 | $75,000 | $239,000 |
| Credit History | 19 | $1,485,000 | $78,000 | $185,000 | $67,000 | $101,000 |
| Collateral | 11 | $1,045,000 | $95,000 | $275,000 | $97,000 | $286,000 |
| Credit Application Incomplete | 5 | $375,000 | $75,000 | $115,000 | $73,000 | $168,000 |
| Other | 3 | $505,000 | $168,000 | $405,000 | $183,000 | $348,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $245,000 | $245,000 | $245,000 | $87,000 | $87,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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