Applications / Mortgage Analytics / Lenders / Missouri / Mortgage Solutions
Saint Charles, MO · Non-bank lender · CFPB · 81 loans in 2025
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81
loans originated, 2025
184
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mortgage Solutions is a small lender near St. Louis that makes only conventional loans, and smaller ones than most similar lenders.
Every loan it made in 2025 was conventional, as in 2024 and 2020. Similar lenders, non-bank lenders making between half and twice as many loans, made 66.1% of theirs conventional and 23.3% with insurance from the Federal Housing Administration. Purchases were 72.8% of its loans and refinances 27.2%.
Its typical loan was $195,000, against $300,000, smaller than about three in four similar lenders, though up from $165,000 in 2024. Some 34.6% of its loans went to low- and moderate-income borrowers, against 30.8%. Its typical rate, 6.50%, was close to peers' 6.56%.
Its largest market is St. Louis, where it has lent since 2010. It ranked 176 of 637 lenders there, with 0.1% of the dollars lent, unchanged; Guild Mortgage Company led. It made its first loans in Oklahoma City and Wichita in 2025.
Its loans fell 17%, to 81, close to the 15% fall of similar lenders, while the whole market rose 10%. Its record is uneven: 77 loans in 2020, then 442 in 2021 and 63 in 2022. What lay behind the 2021 jump is an open question.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mortgage Solutions took 184 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.8% · Refinance 27.2%
Conventional 100.0% · of 81 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 | 74 | 91.4% |
| Arkansas | 3 | 3.7% |
| Kansas | 2 | 2.5% |
| Illinois | 1 | 1.2% |
| Oklahoma | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 60 |
| Cape Girardeau | 2 |
| Fayetteville-Springdale-Rogers | 2 |
| Springfield | 2 |
| Jefferson City | 1 |
| Kansas City | 1 |
| Oklahoma City | 1 |
| Wichita | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930077O97ZNP1ECH16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4320395 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5431847878 |
Established 20 April 1999. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Mortgage Solutions's data.
Mortgage Solutions's data
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Mortgage Solutions 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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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.
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