Applications / Mortgage Analytics / Lenders / Missouri / Royal Banks of Missouri
University City, MO · State non-member bank · FDIC · $1.1 billion assets · 47 loans in 2025
Royal Banks of Missouri's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
47
loans originated, 2025
202
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Royal Banks of Missouri, a University City bank, makes few home loans but large ones, and it buys more loans from other lenders than nearly all similar banks.
Jumbo loans, those larger than the conforming limit, made up 10.9% of its lending, against 1.7% at similar lenders (state non-member banks making between half and twice as many loans); a year before they were 9.4%. Its typical loan was $315,000, against $165,000 at its peers. Few of its loans are in low- and moderate-income neighborhoods, 6.4% against 18.4% at its peers; lending on pricier homes may account for that.
It bought 21 loans from other lenders in 2025, up from 7 a year before. The typical similar lender bought none, and it bought more than nearly all of them.
It originated 47 loans, 13% fewer than in 2024, while similar lenders grew 4%. With so few loans, a swing of this size may mean little. Purchases make up 74.5% of its loans and refinancing the rest. It filed no report for 2018 to 2022, so its recent record starts in 2023.
In St. Louis, where it has lent since at least 1990, it ranks 139 of 637 with 0.1% of lending, unchanged on the year. Guild Mortgage Company and United Wholesale Mortgage lead. The filings of Frontenac Bank and Saints Avenue Bank, which merged with it in 2016 and 2021, count toward its share.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Royal Banks of Missouri took 202 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.5% · Refinance 25.5%
Conventional 100.0% · of 47 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 39 | 83.0% |
| Illinois | 8 | 17.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 38 |
| Chicago-Naperville-Schaumburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930032XJT9NQZ5I683 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 501459 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319512 | 1990–2016 |
Established 8 November 1965. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Royal Banks of Missouri's data.
Royal Banks of Missouri's data
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Royal Banks of Missouri and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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