Metro area · MO
Lenders in St. Louis, MO-IL
109 lenders made 885 multifamily loans in the St. Louis, MO-IL metro area in 2024 and 2025, $2.5B in all. FCB Banks made the most, with 91. The typical loan was about $660K.
- Evidence
- Multifamily loans placed in the metro area, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 109
- HMDA,
- Multifamily loans, 2024-25
- 885
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $2.51B
- HMDA,
- Typical loan
- $660K
- HMDA,
Cite this
Source: The Lender Report, Lenders in St. Louis, MO-IL, https://lender.report/lenders-in/st-louis-mo-il/, data as of December 31, 2025.
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This page lists who has made multifamily loans here. Loan Comps shows who has made a loan like yours, with the loans to prove it.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans |
|---|---|---|---|---|---|---|
| FCB Banks multifamily record | Bank | Collinsville, IL | 91 | $175M | 45 | 46 |
| Heritage Community Bank multifamily record | Bank | Union, MO | 83 | $16.8M | 41 | 42 |
| Midwest BankCentre multifamily record | Bank | Lemay, MO | 39 | $71.7M | 16 | 23 |
| Carrollton Bank multifamily record | Bank | Carrollton, IL | 34 | $27.3M | 22 | 12 |
| The Central Trust Bank multifamily record | Bank | Jefferson City, MO | 28 | $46.1M | 19 | 9 |
| First State Community Bank multifamily record | Bank | Farmington, MO | 27 | $38.6M | 15 | 12 |
| Constitution Bank, National Association multifamily record | Bank | Hillsboro, IL | 27 | $27.7M | 17 | 10 |
| Arbor Realty Trust, Inc. multifamily record | Non-bank | Uniondale, NY | 23 | $365M | 8 | 15 |
| American Bank of Freedom multifamily record | Bank | Wellsville, MO | 20 | $35.5M | 15 | 5 |
| Triad Bank multifamily record | Bank | Frontenac, MO | 20 | $32.9M | 13 | 7 |
| U.S. Bank National Association multifamily record | Bank | Cincinnati, OH | 19 | $17.8M | 9 | 10 |
| Together Credit Union multifamily record | Credit union | Saint Louis, MO | 18 | $30.9M | 12 | 6 |
| Dieterich Bank multifamily record | Bank | Effingham, IL | 16 | $57.3M | 13 | 3 |
| Town & Country Bank multifamily record | Bank | Salem, MO | 16 | $12.4M | 8 | 8 |
| Re Investment Loans LLC multifamily record | Non-bank | Greenwood Village, CO | 15 | $20.0M | 15 | 0 |
| County | Loans | Dollars | Lenders |
|---|---|---|---|
| St. Louis County, MO | 256 | $817M | 54 |
| St. Louis city, MO | 230 | $386M | 63 |
| St. Clair County, IL | 89 | $171M | 27 |
| Madison County, IL | 83 | $189M | 23 |
| Franklin County, MO | 62 | $93.9M | 15 |
| St. Charles County, MO | 45 | $470M | 28 |
| Jefferson County, MO | 40 | $112M | 16 |
| Lincoln County, MO | 19 | $30.6M | 10 |
| Clinton County, IL | 15 | $8.96M | 8 |
| Macoupin County, IL | 14 | $4.79M | 7 |
| Warren County, MO | 8 | $6.39M | 7 |
| Monroe County, IL | 6 | $4.50M | 5 |
A county is listed for a year only when the public file holds 5 or more multifamily loans there that year.
| Loan size | Loans |
|---|---|
| Under $1M | 552 |
| $1M to $2.5M | 166 |
| $2.5M to $5M | 62 |
| $5M to $10M | 36 |
| $10M or more | 69 |
- Lenders made 885 multifamily loans totaling $2.5B in St. Louis, MO-IL in 2024 and 2025. HMDA,
- 30 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,
- 492 of the loans were made in 2025 and 393 in 2024. HMDA,
- The typical loan in St. Louis, MO-IL was about $660K, with the middle half between $320K and $1.6M. HMDA,
- 552 of the loans were under $1M, and 105 were $5M or more. HMDA,
- Lenders reported a median rate of 7.13% on 577 loans in St. Louis, MO-IL, with the middle half between 6.50% and 7.63%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 70%. HMDA,
- 36% of the loans were refinancings and 59% were purchases. HMDA,
- Banks and savings institutions made 723 of the loans, credit unions 28, and non-banks 104. HMDA,
- The five most active lenders made 31.1% of the loans. HMDA,
- The three most active lenders were FCB Banks with 91, Heritage Community Bank with 83, and Midwest BankCentre with 39. HMDA,
- 42 of the 109 lenders are based in Missouri. The rest are based elsewhere, most often in Illinois, California and Indiana. HMDA,
- The most common property size was 5 to 24 units, with 643 loans. HMDA,
- 12 counties in the metro area have loans on record, and St. Louis County, MO has the most, with 256. HMDA,
How this list is defined
- Measure
- Multifamily loans made in the St. Louis, MO-IL metro area
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the metro area, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans there.
- 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.
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.