Mortgage lending in St. Louis, MO-IL
67,929 mortgages were originated in the St. Louis, MO-IL area in 2025, and here is what they cost.
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
- 67,929
- Median rate
- 6.625%
- Median lender fees
- $3,923
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)
- 0.369
- Paid discount points
- 25.7%
- Received lender credits
- 23.9%
- Purchases / refinances
- 52.5% / 29.8%
- Conventional / FHA / VA
- 80.2% / 11.7% / 7.5%
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 69.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the St. Louis, MO-IL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Guild Mortgage Company | 3,632 | $4,170 | 6.625% |
| United Shore Financial Services, LLC | 3,145 | $4,216 | 6.625% |
| Rocket Mortgage, LLC | 3,026 | $4,773 | 6.750% |
| First Community | 2,485 | $1,552 | 6.000% |
| Broker Solutions, Inc. | 2,310 | $4,592 | 6.875% |
| U.S. Bank National Association | 1,990 | $3,147 | 7.612% |
| DAS Acquisition Company, LLC | 1,854 | $4,566 | 6.750% |
| FCB Banks | 1,614 | $2,250 | 6.990% |
| Flat Branch Mortgage, Inc. | 1,547 | $4,075 | 6.625% |
| Stifel Bank and Trust | 1,492 | $2,970 | 6.375% |