County · MO
Multifamily lenders in St. Louis city, MO
63 lenders made 230 multifamily loans in St. Louis city, MO in 2024 and 2025, $385.8M in all. Heritage Community Bank made the most, with 20. The typical loan was about $700K. 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
- 63
- HMDA,
- Multifamily loans, 2024-25
- 230
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $386M
- HMDA,
- Typical loan
- $700K
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in St. Louis city, MO, https://lender.report/lenders-in/missouri/st-louis-city/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| Heritage Community Bank multifamily record | Bank | Union, MO | 20 | $3.46M | 10 | 10 | $140K |
| FCB Banks multifamily record | Bank | Collinsville, IL | 15 | $14.3M | 7 | 8 | $400K |
| Midwest BankCentre multifamily record | Bank | Lemay, MO | 10 | $5.38M | 2 | 8 | $440K |
| Together Credit Union multifamily record | Credit union | Saint Louis, MO | 8 | $18.5M | 5 | 3 | $760K |
| Enterprise Bank & Trust multifamily record | Bank | Clayton, MO | 7 | $10.6M | 3 | 4 | $960K |
| The Central Trust Bank multifamily record | Bank | Jefferson City, MO | 7 | $9.30M | 5 | 2 | $1.2M |
| U.S. Bank National Association multifamily record | Bank | Cincinnati, OH | 7 | $9.06M | 2 | 5 | $1.2M |
| Triad Bank multifamily record | Bank | Frontenac, MO | 7 | $7.68M | 5 | 2 | $780K |
| Sullivan Bank multifamily record | Bank | Sullivan, MO | 7 | $6.68M | 2 | 5 | $1M |
| Town & Country Bank multifamily record | Bank | Salem, MO | 7 | $4.76M | 3 | 4 | $420K |
| RF Renovo Management Company, LLC multifamily record | Non-bank | Chicago, IL | 6 | $10.1M | 2 | 4 | $1.2M |
| Old National Bank multifamily record | Bank | Evansville, IN | 5 | $54.3M | 1 | 4 | $8.5M |
| Arbor Realty Trust, Inc. multifamily record | Non-bank | Uniondale, NY | 5 | $38.4M | 3 | 2 | $8M |
| Midland States Bank multifamily record | Bank | Effingham, IL | 5 | $36.9M | 1 | 4 | $6.5M |
| St. Johns Bank and Trust Company multifamily record | Bank | Saint Louis, MO | 5 | $4.45M | 3 | 2 | $1.1M |
| Citizens Bank multifamily record | Bank | New Haven, MO | 5 | $2.62M | 5 | 0 | $480K |
| Velocity Commercial Capital LLC multifamily record | Non-bank | Westlake Village, CA | 5 | $1.90M | 4 | 1 | $340K |
| Midwest Regional Bank multifamily record | Bank | Clayton, MO | 4 | $8.84M | 1 | 3 | $2.8M |
| First National Bank of Waterloo multifamily record | Bank | Waterloo, IL | 4 | $6.24M | 3 | 1 | $1M |
| Carrollton Bank multifamily record | Bank | Carrollton, IL | 4 | $3.16M | 4 | 0 | $440K |
| Great Southern Bank multifamily record | Bank | Reeds Spring, MO | 4 | $2.28M | 2 | 2 | $480K |
| The Bank of Missouri multifamily record | Bank | Perryville, MO | 3 | $14.5M | 3 | 0 | $5.1M |
| CNB St Louis Bank multifamily record | Bank | Maplewood, MO | 3 | $6.56M | 1 | 2 | $860K |
| Dieterich Bank multifamily record | Bank | Effingham, IL | 3 | $4.82M | 2 | 1 | $440K |
| Busey Bank multifamily record | Bank | Champaign, IL | 3 | $3.32M | 1 | 2 | $1.3M |
| Focus Bank multifamily record | Bank | Charleston, MO | 3 | $2.80M | 3 | 0 | $700K |
| BPL Mortgage, LLC multifamily record | Non-bank | Oakbrook Terrace, IL | 3 | $1.64M | 2 | 1 | $520K |
| Bank of Springfield multifamily record | Bank | Springfield, IL | 3 | $1.56M | 3 | 0 | $360K |
| Lindell Bank & Trust Company multifamily record | Bank | St. Louis, MO | 3 | $920K | 1 | 2 | $320K |
| Lument Real Estate Capital multifamily record | Non-bank | Columbus, OH | 2 | $9.50M | 1 | 1 | $5M |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 148 | 49 |
| $1M to $2.5M | 47 | 26 |
| $2.5M to $5M | 15 | 12 |
| $5M to $10M | 12 | 10 |
| $10M or more | 8 | 6 |
- Lenders made 230 multifamily loans totaling $385.8M in St. Louis city, MO in 2024 and 2025. HMDA,
- 11 of these loans were made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA,
- 118 of the loans were made in 2025 and 112 in 2024. HMDA,
- The typical loan in St. Louis city, MO was about $700K, with the middle half between $340K and $1.4M. HMDA,
- 148 of the loans were under $1M, and 20 were $5M or more. HMDA,
- Lenders reported a median rate of 7.25% on 150 loans in St. Louis city, MO, with the middle half between 6.50% and 7.85%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 69%. HMDA,
- 39% of the loans were refinancings and 56% were purchases. HMDA,
- Banks and savings institutions made 175 of the loans, credit unions 13, and non-banks 31. HMDA,
- The five most active lenders made 26.1% of the loans. HMDA,
- The three most active lenders were Heritage Community Bank with 20, FCB Banks with 15, and Midwest BankCentre with 10. HMDA,
- 27 of the 63 lenders are based in Missouri. The rest are based elsewhere, most often in Illinois, Arkansas and Kansas. HMDA,
- The most common property size was 5 to 24 units, with 179 loans. HMDA,
- St. Louis city, 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. Louis city, 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.