Investment property improvement lenders in St. Louis County, Missouri
Fat Boy Data analyzed investment 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. 293 applications were decided by 66 lenders between 2023 and 2025.
St. Louis County at a glance
How St. Louis County compares
What the data shows
FCB Banks made the most investment home improvement loans in St. Louis County, MO, 28 of them.
FCB Banks approved the highest share of applications among lenders with at least 20 decisions here, 93% of 30.
Lenders approved 53.6% of investment home improvement loan applications in St. Louis County, MO, 6.4 percentage points below the Missouri rate of 60.0%.
The typical investment home improvement loan here is $145K, 71% larger than the Missouri typical of $85K.
No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Investment property improvement lenders in St. Louis County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | FCB Banks | 93% | 28 / 30 | 100% | $185K | 28 |
| 2 | U.S. Bank National Association | 12% | 3 / 24 | 100% | $85K | 3 |
| 3 | Navy Federal Credit UnionLimited sample | 28% | 5 / 18 | 80% | $65K | 4 |
| 4 | Commerce BankLimited sample | 0% | 0 / 16 | — | — | 0 |
| 5 | First Mid Bank & Trust, National AssociationLimited sample | 100% | 12 / 12 | 100% | $65K | 12 |
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 61 more lenders.
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