Mortgage lending in St. Charles County
11,891 mortgages were originated in St. Charles County, Missouri, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 11,891
- Median rate
- 6.625%
- Median lender fees
- $3,988
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $255,000
- Above the going rate (spread over APOR)
- 0.340
- Paid discount points
- 27.5%
- Received lender credits
- 27.4%
- Purchases / refinances
- 49.2% / 31.1%
- Conventional / FHA / VA
- 83.1% / 10.3% / 6.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 74.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $370,000
- That home, 20% down
- $296,000
A median-priced home with 20% down leaves $536,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in St. Charles County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First Community | 747 | $1,710 | 5.950% |
| Rocket Mortgage, LLC | 620 | $4,828 | 6.750% |
| Guild Mortgage Company | 576 | $4,111 | 6.625% |
| United Shore Financial Services, LLC | 554 | $4,018 | 6.500% |
| U.S. Bank National Association | 426 | $3,165 | 7.975% |
| Flat Branch Mortgage, Inc. | 414 | $4,034 | 6.625% |
| Broker Solutions, Inc. | 397 | $4,675 | 6.750% |
| DAS Acquisition Company, LLC | 378 | $4,473 | 6.813% |
| Stifel Bank and Trust | 351 | $2,929 | 6.375% |
| First State Bank of St. Charles, Missouri | 336 | $3,869 | 6.750% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in St. Charles County — not a rule of thumb.
From 8,876 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers