County · MO
Multifamily lenders in St. Charles County, MO
28 lenders made 45 multifamily loans in St. Charles County, MO in 2024 and 2025, $470.3M in all. The Central Trust Bank made the most, with 5. The typical loan was about $1.4M. The county is part of the St. Louis, MO-IL metro area.
- Evidence
- Multifamily loans placed in the county, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 28
- HMDA,
- Multifamily loans, 2024-25
- 45
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $470M
- HMDA,
- Typical loan
- $1.4M
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in St. Charles County, MO, https://lender.report/lenders-in/missouri/st-charles-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| The Central Trust Bank multifamily record | Bank | Jefferson City, MO | 5 | $17.7M | 3 | 2 | $1.3M |
| American Bank of Freedom multifamily record | Bank | Wellsville, MO | 3 | $5.42M | 3 | 0 | $2.3M |
| Triad Bank multifamily record | Bank | Frontenac, MO | 3 | $1.60M | 3 | 0 | $320K |
| Heritage Community Bank multifamily record | Bank | Union, MO | 3 | $760K | 1 | 2 | $260K |
| CBRE Multifamily Capital, Inc. multifamily record | Non-bank | Houston, TX | 2 | $92.0M | 1 | 1 | $71M |
| Arbor Realty Trust, Inc. multifamily record | Non-bank | Uniondale, NY | 2 | $85.4M | 0 | 2 | $84M |
| Lument Real Estate Capital multifamily record | Non-bank | Columbus, OH | 2 | $43.0M | 1 | 1 | $24M |
| First Mid Bank & Trust, National Association multifamily record | Bank | Mattoon, IL | 2 | $28.9M | 2 | 0 | $28M |
| Midwest BankCentre multifamily record | Bank | Lemay, MO | 2 | $17.0M | 0 | 2 | $14M |
| The Bank of Old Monroe multifamily record | Bank | Old Monroe, MO | 2 | $1.80M | 1 | 1 | $1.3M |
| Carrollton Bank multifamily record | Bank | Carrollton, IL | 2 | $575K | 2 | 0 | $520K |
| Walker & Dunlop, LLC multifamily record | Non-bank | Bethesda, MD | 1 | $51.0M | 0 | 1 | $51M |
| Bankers Trust Company multifamily record | Bank | Des Moines, IA | 1 | $49.0M | 0 | 1 | $49M |
| Wells Fargo Bank, National Association multifamily record | Bank | Sioux Falls, SD | 1 | $27.0M | 1 | 0 | $27M |
| Arvest Bank multifamily record | Bank | Fayetteville, AR | 1 | $14.0M | 0 | 1 | $14M |
| Midland States Bank multifamily record | Bank | Effingham, IL | 1 | $12.0M | 1 | 0 | $12M |
| Colliers Mortgage LLC multifamily record | Non-bank | Minneapolis, MN | 1 | $4.90M | 1 | 0 | $4.9M |
| Royal Banks of Missouri | Bank | Saint Louis, MO | 1 | $4.70M | 1 | 0 | $4.7M |
| Guaranty Bank multifamily record | Bank | Springfield, MO | 1 | $4.10M | 1 | 0 | $4.1M |
| Genesis Capital, LLC multifamily record | Non-bank | Sherman Oaks, CA | 1 | $3.50M | 0 | 1 | $3.5M |
| Great Southern Bank multifamily record | Bank | Reeds Spring, MO | 1 | $2.00M | 1 | 0 | $2M |
| Citizens Bank multifamily record | Bank | New Haven, MO | 1 | $960K | 1 | 0 | $960K |
| Bloomsdale Bank | Bank | Bloomsdale, MO | 1 | $880K | 1 | 0 | $880K |
| Re Investment Loans LLC multifamily record | Non-bank | Greenwood Village, CO | 1 | $740K | 1 | 0 | $740K |
| Peoples Bank & Trust Co. multifamily record | Bank | Troy, MO | 1 | $440K | 1 | 0 | $440K |
| First State Community Bank multifamily record | Bank | Farmington, MO | 1 | $400K | 1 | 0 | $400K |
| FCB Banks multifamily record | Bank | Collinsville, IL | 1 | $340K | 1 | 0 | $340K |
| First Bank multifamily record | Bank | St. Louis, MO | 1 | $260K | 1 | 0 | $260K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 19 | 14 |
| $1M to $2.5M | 6 | 6 |
| $2.5M to $5M | 7 | 7 |
| $5M to $10M | 0 | 0 |
| $10M or more | 13 | 11 |
- Lenders made 45 multifamily loans totaling $470.3M in St. Charles County, MO in 2024 and 2025. HMDA,
- 30 of the loans were made in 2025 and 15 in 2024. HMDA,
- The typical loan in St. Charles County, MO was about $1.4M, with the middle half between $420K and $12M. HMDA,
- 19 of the loans were under $1M, and 13 were $5M or more. HMDA,
- Lenders reported a median rate of 6.50% on 32 loans in St. Charles County, MO, with the middle half between 5.78% and 7.00%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 69%. HMDA,
- 36% of the loans were refinancings and 58% were purchases. HMDA,
- Banks and savings institutions made 35 of the loans, credit unions 0, and non-banks 10. HMDA,
- The five most active lenders made 35.6% of the loans. HMDA,
- The three most active lenders were The Central Trust Bank with 5, American Bank of Freedom with 3, and Triad Bank with 3. HMDA,
- 14 of the 28 lenders are based in Missouri. The rest are based elsewhere, most often in Illinois, Arkansas and California. HMDA,
- The most common property size was 5 to 24 units, with 24 loans. HMDA,
- St. Charles County, MO is part of the St. Louis, MO-IL metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in St. Charles County, MO
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.