Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for St. Charles County, Missouri
Every institution that decided a 1–4 unit mortgage application in St. Charles County, home to O'Fallon, between 2023 and 2025: 34,525 applications, 28,466 loans actually funded, across 8 kinds of borrowing.
St. Charles County at a glance
34,525Applications decided
2023–2025
28,466Loans funded
82% of decisions
85Census tracts
10 ZIP codes
409,830People
ACS 2023
What the data shows
The typical purchase mortgage here is $305K.
Investment home improvement is the hardest money to get here: lenders approved 50% of 104 applications.
Lending by loan type in St. Charles County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.9% | 17,603 | $305K | 97% | 387 |
| Home improvement loans | 70.0% | 5,191 | $65K | 94% | 113 |
| Cash-out refinance | 76.9% | 4,827 | $205K | 96% | 200 |
| Refinance | 85.8% | 4,801 | $285K | 94% | 216 |
| Investment property purchase | 94.5% | 1,486 | $205K | 97% | 215 |
| Investment cash-out refinance | 80.9% | 178 | $165K | 93% | 71 |
| Investment refinance | 93.1% | 335 | $145K | 97% | 81 |
| Investment home improvement | 50.0% | 104 | $115K | 94% | 39 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.