Home improvement loan lenders in St. Charles County, Missouri
Fat Boy Data analyzed home improvement loan activity in St. Charles County, Missouri, home to O'Fallon, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,191 applications were decided by 113 lenders between 2023 and 2025.
St. Charles County at a glance
How St. Charles County compares
What the data shows
First Community made the most home improvement loans in St. Charles County, MO, 981 of them.
That is 29% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Nationstar Mortgage LLC approved the highest share of applications among lenders with at least 20 decisions here, 91% of 32.
Lenders approved 70.0% of home improvement loan applications in St. Charles County, MO, 5.8 percentage points above the Missouri rate of 64.1%.
Only 1 lender here typically writes at or below $35K: Alltru Federal Credit Union.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Home improvement loan lenders in St. Charles County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | First Community | 74% | 1,051 / 1,428 | 93% | $65K | 981 |
| 2 | U.S. Bank National Association | 61% | 293 / 479 | 96% | $75K | 280 |
| 3 | Bank of America, National Association | 49% | 213 / 434 | 99% | $65K | 210 |
| 4 | Commerce Bank | 67% | 264 / 395 | 98% | $55K | 260 |
| 5 | VANTAGE Credit Union | 80% | 248 / 311 | 95% | $55K | 236 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 108 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in St. Charles County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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