Home improvement loan lenders in St. Louis County, Missouri
Fat Boy Data analyzed home improvement loan activity in St. Louis County, Missouri to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,020 applications were decided by 92 lenders between 2023 and 2025.
St. Louis County at a glance
How St. Louis County compares
What the data shows
First Community made the most home improvement loans in St. Louis County, MO, 160 of them.
The Central Trust Bank approved the highest share of applications among lenders with at least 20 decisions here, 84% of 25.
Lenders approved 51.5% of home improvement loan applications in St. Louis County, MO, 12.6 percentage points below the Missouri rate of 64.1%.
The typical home improvement loan here is $55K, 15% smaller than the Missouri typical of $65K.
Only 3 lenders here typically write at or below $35K: First Mid Bank & Trust, National Association, Simmons Bank, Spring Eq, LLC.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Home improvement loan lenders in St. Louis County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | First Community | 65% | 174 / 266 | 92% | $55K | 160 |
| 2 | U.S. Bank National Association | 34% | 78 / 230 | 95% | $55K | 74 |
| 3 | Bank of America, National Association | 34% | 79 / 230 | 94% | $55K | 74 |
| 4 | Commerce Bank | 48% | 93 / 193 | 96% | $45K | 89 |
| 5 | Regions Bank | 33% | 49 / 150 | 92% | $45K | 45 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
Fat Boy found 87 more lenders.
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