Your Home Moments

Financing a home is a big step. Whether it’s your first home, your forever home, or exploring other options outside of a purchase, you deserve a bank that walks with you every step of the way.

At CNB St. Louis Bank, we’ve been helping families move forward with confidence for more than a century. As a locally owned and operated bank, we make mortgage decisions right here in St. Louis—so you can talk to real people who listen, explain your options clearly, and guide you through the process.

We offer a variety of home financing and loan options, including:

When it’s time for your next chapter, we’re here to help you move forward with clarity and confidence.

Get Started on Your Pre-Qualification

How Our Mortgage Process Works

We believe getting a mortgage shouldn't feel overwhelming. Here's what to expect:

Step 1: Pre-Qualification

Looking for pre-approvals near you? Meet with a local mortgage lender to discuss your goals and begin the pre-qualification process. Learn more about pre-qualifications. 

Step 2: Find Your Home

Work with your real estate agent to find the right home for your needs.

Step 3:  Make Your Offer

Submit your offer with confidence, knowing your financing is in motion.

Step 4: Start a Formal Loan Application

Complete your full mortgage application with guidance from your loan officer.  Looking for a self-service option? Start your online application today.

Step 5: Processing and Underwriting

Our team reviews your application and supporting documents

Step 6: Commitment

Once approved, you'll receive your loan commitment and prepare for closing.

Step 7: Closing

Sign your final loan documents and receive the keys to your new home! 

You won't be left guessing along the way. We'll explain each step so you always know what's next.

Find a Loan Officer Near You

With six convenient locations across the St. Louis, Missouri area, help is never far away. Connect with a local mortgage loan officer who will take time to understand your goals and guide you through your options.
 













St. Louis Mortgage Broker FAQs

The amount you may qualify for depends on several factors, including your income, existing financial obligations, credit history, and available funds. A CNB mortgage lender can review your situation and help you understand what may be comfortable and realistic for you.
A pre-approval is a formal process used by some lenders that requires the buyer to submit financial documents for the lender to verify. Sellers and realtors often ask for pre-approvals before scheduling showings and/or accepting offers, however most of the time a pre-qualification satisfies this requirement and helps buyers make informed decisions while keeping their options and protections fully in place.
A pre-qualification is an initial estimate of how much you might be able to borrow and helps homebuyers confidently start their search without making financial commitments.  Pre-qualification is based on information the buyer provides about income, assets, and debts along with a credit report and is not an offer of credit. Pre-qualification increases your chances of getting the home you want by understanding your options before it's time to make an offer without locking you into anything. Sellers and realtors often require pre-qualifications before scheduling showings and/or accepting offers.
Down payment requirements vary depending on the type of loan and your financial profile. Some programs may require a larger down payment, while others are designed to support qualified buyers with lower upfront funds. We'll help you explore your options.
A fixed-rate mortgage generally has an interest rate that remains the same for the life of the loan, which means your principal and interest payments remain consistent over time. 
An adjustable-rate mortgage typically has an interest rate that may change periodically based on market conditions, which can cause payments to increase or decrease over time.
Yes! We help first-time homebuyers find the right loan for their unique situation, including our exclusive HOPE Loan Program designed to support qualified buyers.
Refinancing timelines vary depending on  your current loan terms, financial profile, and goals. Our mortgage team can review your situation and help you determine whether refinancing may make sense for you.












Let's Get Started


Your home is more than a transaction. It's where life happens.



St. Louis Mortgage Broker


Contact Details


CNB St. Louis Bank

Maplewood (Central)

7305 Manchester Rd.

Maplewood, MO  63143

(314) 645-0666

Lobby & Drive Up Hours



Monday - Friday: 9:00 am - 5:00 pm

Saturday: 9:00 am - 12:00 pm

Sunday: Closed