Applications / Mortgage Analytics / Lenders / Missouri / JLB
Saint Louis, MO · Non-bank lender · CFPB · 911 loans in 2025
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911
loans originated, 2025
1,176
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
JLB is a St. Louis refinance lender built on loans insured by the Federal Housing Administration (FHA), and lends to far more low- and moderate-income borrowers than similar lenders.
Refinances made up 79.1% of its loans and FHA loans 59.4%, against 17.3% at similar lenders, non-bank lenders making between half and twice as many loans. It made no loans guaranteed by the Department of Veterans Affairs and none on manufactured homes. Its typical loan, $215,000, was smaller than at nearly nine in ten of its 27 peers.
Nearly half its borrowers, 49.3%, had low or moderate incomes, against 21.7% at peers. Only 7.8% of its loans were in majority-minority neighborhoods, against 38.8% at peers. The markets it serves, St. Louis, Pittsburgh, Kansas City and rural Missouri, are a possible reason.
It made 7,886 loans in 2021 and 911 in 2025. A lender that mostly refinances depends on rates: its typical rate was 3.12% in 2020 and 6.25% in 2025, when fewer borrowers had a cheaper loan to move to. Its loans rose 4% in 2025, slower than the 15% at peers.
It has lent in St. Louis since 2011 and ranked 37 of 637 lenders there, with a share of 0.6%, down from 0.7%. Guild Mortgage Company led that market. Its share also slipped in Kansas City. One possible reason is that its lending grew more slowly than the national market, which rose 10%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. JLB took 1,176 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 79.1% · Purchase 20.9%
FHA 59.4% · Conventional 40.6% · of 911 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 | 521 | 57.2% |
| Pennsylvania | 228 | 25.0% |
| Illinois | 58 | 6.4% |
| Kansas | 48 | 5.3% |
| Indiana | 41 | 4.5% |
| Ohio | 4 | 0.4% |
| Colorado | 3 | 0.3% |
| Tennessee | 3 | 0.3% |
| Florida | 2 | 0.2% |
| Oregon | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 437 |
| Pittsburgh | 205 |
| Kansas City | 148 |
| Indianapolis-Carmel-Greenwood | 31 |
| Springfield | 4 |
| Cincinnati | 3 |
| Denver-Aurora-Centennial | 3 |
| Lawrence | 3 |
| Nashville-Davidson--Murfreesboro--Franklin | 3 |
| Columbus | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DX0B304LAKUN93 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4437257 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7431901144 |
Established 6 September 2000. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: JLB's data.
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