Mortgage lending in St. Louis County
22,981 mortgages were originated in St. Louis 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
- 22,981
- Median rate
- 6.625%
- Median lender fees
- $3,993
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
- $195,000
- Above the going rate (spread over APOR)
- 0.366
- Paid discount points
- 23.6%
- Received lender credits
- 23.8%
- Purchases / refinances
- 51.1% / 30.7%
- Conventional / FHA / VA
- 85% / 10.6% / 4.3%
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 67.1% 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. Louis County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Guild Mortgage Company | 1,517 | $4,106 | 6.625% |
| United Shore Financial Services, LLC | 1,197 | $3,954 | 6.869% |
| First Community | 1,019 | $1,714 | 5.950% |
| Rocket Mortgage, LLC | 987 | $4,605 | 6.750% |
| U.S. Bank National Association | 823 | $3,396 | 7.500% |
| Stifel Bank and Trust | 774 | $3,108 | 6.250% |
| Broker Solutions, Inc. | 759 | $4,600 | 6.750% |
| DAS Acquisition Company, LLC | 689 | $4,521 | 6.750% |
| Commerce Bank | 603 | $2,744 | 6.750% |
| Bank of America, National Association | 585 | $2,929 | 6.240% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in St. Louis County — not a rule of thumb.
From 15,410 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