Applications / Mortgage Analytics / Lenders / Missouri / Saint Louis Bank
Saint Louis, MO · State non-member bank · FDIC · $1.0 billion assets · 16 loans in 2025
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16
loans originated, 2025
19
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Saint Louis Bank, a Missouri bank, made only 16 home loans in 2025, nearly all for home purchase, in St. Louis and three Florida markets.
Its count fell to 16 from 19 in 2024 and 21 in 2023. Similar lenders, the 106 state non-member banks making between half and twice as many loans, typically fell 18%, so its 16% drop was close to theirs, while the whole market grew 10%. At this size a few loans either way move every share, so its shares of lower-income borrowers and of large loans are too small to read much into.
Home purchases made up 93.8% of its loans and home improvement the rest. All were conventional, with none backed by the government, and none was on a manufactured home.
St. Louis, IL-MO is its largest market, where it ranked 238 of 637 lenders; Guild Mortgage Company and United Wholesale Mortgage led. It also lends in Naples-Marco Island, which it entered in 2006, Cape Coral-Fort Myers, entered in 2015, and Crestview-Fort Walton Beach-Destin, new in 2025. Its loans spread across 3 states.
Established as St. Louis Bank in 2005, it first reported under HMDA in 2006. It filed no report for 2018 to 2022. Those years are gaps in the record, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Saint Louis Bank took 19 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 93.8% · Home improvement 6.3%
Conventional 100.0% · of 16 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 | 7 | 43.8% |
| Florida | 5 | 31.2% |
| Illinois | 4 | 25.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 11 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Naples-Marco Island | 2 |
| Cape Coral-Fort Myers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008MLNFTWNSBXB88 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3354599 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358018 | 2006–2017 |
Established 6 June 2005. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Saint Louis Bank's data.
Saint Louis Bank's data
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