Applications / Mortgage Analytics / Lenders / Missouri / CNB St. Louis Bank
Maplewood, MO · State non-member bank · FDIC · $850 million assets · 49 loans in 2025
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49
loans originated, 2025
55
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CNB St. Louis Bank, a St. Louis-area bank that mostly finances home purchases, made 49 loans in 2025, against 545 in 2020.
Its total fell every year from 545 in 2020 to 45 in 2024, then rose 9% in 2025, near the middle of similar banks. Its peak year was also the year it changed its charter and its name. That change, a shift in what it chose to lend or weaker demand could each be part of the reason; the figures do not say which.
Home purchases made up 69.4% of its loans and refinances 24.5%; every loan was conventional. Its typical loan was $225,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans), higher than about seven in ten of them.
St. Louis is its largest market, where it has lent since at least 1990. It is one of 637 lenders there, led by Guild Mortgage Company, United Wholesale Mortgage and Rocket Mortgage.
12.2% of its loans were in majority-minority areas, against 5.6% at similar banks. 15.6% of its borrowers had low or moderate incomes, against 27.4%, lower than about four in five; its larger loans and purchase-led lending are possible reasons.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CNB St. Louis Bank took 55 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.4% · Refinance 24.5% · Home improvement 4.1% · Other 2.0%
Conventional 100.0% · of 49 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 | 45 | 91.8% |
| Florida | 2 | 4.1% |
| Colorado | 1 | 2.0% |
| Illinois | 1 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 45 |
| North Port-Bradenton-Sarasota | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RM0VO0UBTMOZ05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 870650 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112955 | 1990–2017 |
Established 1 January 1915. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: CNB St. Louis Bank's data.
CNB St. Louis Bank's data
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