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2024 data HMDA 2024 disclosure official source

St. Louis City

9,602 mortgage applications, 15.0% denial rate. Verify FIPS 29510 with U.S. Census Bureau →

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Missouri · FIPS 29510

Local mortgage market. St. Louis City, Missouri saw 9,602 HMDA-reported mortgage applications in 2024. Lenders originated 4,967 of those loans and denied 1,436, producing a denial rate of 15.0% and an approval (origination) rate of 51.7%. The average loan amount was $225,694 at an average note rate of 7.09%, with applicants self-reporting average annual income of $35K. 293 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 29510 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

9,602
Applications
4,967
Originated
15.0%
Denial Rate
51.7%
Approval Rate
$225,694
Avg Loan Amount
7.09%
Avg Interest Rate
$35K
Avg Applicant Income
6.4x
Loan-to-Income Ratio

Nearby Lenders in St. Louis City

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Guild Mortgage Company 337 6.8%
2 The Central Trust Bank 214 4.3%
3 Rocket Mortgage 196 3.9%
4 New American Funding, LLC. 191 3.8%
5 United Wholesale Mortgage 188 3.8%
Compare Guild Mortgage Company vs The Central Trust Bank →

Frequently Asked Questions

How many mortgage applications were filed in St. Louis City?
In the 2024 HMDA reporting year, 9,602 mortgage applications were filed in St. Louis City, Missouri. Of these, 4,967 were originated (approved and funded), while 1,436 were denied, resulting in a denial rate of 15.0%.
What is the mortgage denial rate in St. Louis City?
The mortgage denial rate in St. Louis City is 15.0%. The approval (origination) rate is 51.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in St. Louis City?
The average mortgage loan amount in St. Louis City is $225,694. The average interest rate is 7.094%. The average applicant income is $35K.
What is the loan-to-income ratio in St. Louis City?
The average loan-to-income ratio in St. Louis City is 6.4x, meaning borrowers took on loans averaging 6.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in St. Louis City?
The top mortgage lenders in St. Louis City by origination volume are Guild Mortgage Company, The Central Trust Bank, Rocket Mortgage. In total, 293 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.