Applications / Mortgage Analytics / Lenders / Missouri / St. Johns Bank and Trust Company
Saint Louis, MO · State non-member bank · FDIC · $305 million assets · 41 loans in 2025
St. Johns Bank and Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
41
loans originated, 2025
44
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
St. Johns Bank and Trust Company, a small St. Louis bank, does a far larger part of its lending in majority-minority and poorer neighborhoods than similar banks.
Some 36.6% of its loans went to majority-minority neighborhoods, against 6.1% at the typical similar bank (state non-member banks making between half and twice as many loans). That share is higher than at more than four in five of them. In low- and moderate-income (LMI) neighborhoods the figures were 39.0% against 19.0%. With 41 loans, a handful either way moves these shares, but the gaps are wide.
It made 41 loans in 2025, up 32% from 31, while similar banks grew 2%. That is faster than about four in five of them. It filed no report for 2020 to 2022, a gap in the record rather than years without lending.
Its typical loan was $225,000, up from $135,000 a year earlier and above the $165,000 at similar banks. On so few loans, the typical size can swing with a handful of deals.
It lends in four counties, all in Missouri, and its one metro market is St. Louis, where it has reported since at least 1990. It ranks 160 of 637 lenders there with 0.1% of the market, up 0.1 points. Guild Mortgage Company and United Wholesale Mortgage lead.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. St. Johns Bank and Trust Company took 44 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.7% · Refinance 31.7% · Home improvement 7.3% · Other 7.3%
Conventional 100.0% · of 41 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 | 41 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 41 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RQ21ZFLCALGC21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 173557 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38898 | 1990–2017 |
Established 1 January 1926. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: St. Johns Bank and Trust Company's data.
St. Johns Bank and Trust Company's data
$215
St. Johns Bank and Trust Company 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.
Buy St. Johns Bank and Trust Company's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]