SubScore Market Intelligence

St. Louis Metro

Subcontractor risk intelligence for the St. Louis construction lending market. Real data. Real subs. Real scores.

$15-20B+
Confirmed Pipeline
2.2 GW
Ameren DC Contracts
1,000+
Construction Jobs / Project
120-180
MEP Subs in Metro
The Pitch
You lend to construction subcontractors.
Plumbing. Electrical. Mechanical.
You're underwriting them off financials and a handshake.
No GC pipeline. No permit trends. No labor data.
We score all of that.
Public data. Five layers. One number. 48 hours.
88.1 / 100 — $70M lending opportunity the bank didn't see.
Pick a sub in your portfolio. We'll score them.

The Pipeline Driving Subcontractor Demand

St. Louis has $15-20 billion in confirmed construction. Ameren Missouri signed binding contracts for 2.2 GW of data center demand in February 2026 alone. Every project below requires hundreds of MEP subcontractors — and those subs need financing.

ProjectValueStatusKey Detail
Armory Innovation District$3 billionActive — zoning March 2026120MW hyperscale DC + 214,500 SF tech office. Contour, TeraWatt, ARCO. 1,000+ construction jobs
CRG/Clayco Data Center (Festus)$30-40M/yr taxRezoning approved unanimously250 acres. Hyperscaler expected (Google). 1,000+ union construction jobs
Boeing Defense Expansion$1.8 billionActive1.1M SF advanced fighter jet manufacturing facility
Lambert Airport Terminal$3 billionActiveConsolidating T1/T2 into single terminal, up to 62 gates
Next NGA West (Federal)$1.7+ billionOpening 2026700,000 SF National Geospatial-Intelligence Agency HQ
I-70 Corridor$1.181 billionActiveLargest single MoDOT project ever ($634M Warrenton-Wentzville)
Ameren DC Contracts2.2 GW demandSigned Feb 2026Binding contracts. Infrastructure costs $1B+ per customer
Regional Freightway Projects$8.9 billion29 projects activeBi-state priority list across STL metro
$15 - $20 Billion+
Confirmed Construction Pipeline | St. Louis Metro | Sources: ENR, STLPR, MoDOT, Ameren filings

Top GCs Driving Sub Demand

These are the general contractors whose subcontractors your bank is lending to — or should be.

GCHQRevenueKey Projects
ClaycoSt. Louis$7.6B+CRG data center arm driving multiple STL projects. Armory project
ARCO ConstructionSt. Louis$6.5B+Largest MO contractor by revenue. Armory project
McCarthy Building CompaniesSt. Louis$6B+100% employee-owned. Healthcare, education, science/tech
Alberici ConstructorsSt. Louis$4B+ENR #36 largest builder. Founded 1918. 3,500 employees
Brinkmann ConstructorsChesterfield~$600MNamed one of STL's largest GCs. ~516 employees
PARIC CorporationSt. LouisCM, design-build. Founded 1979
S.M. Wilson & Co.St. LouisSignatory union contractor

The Lending Opportunity

Every GC above hires 50-200 subcontractors per project. Those subs need working capital, equipment loans, and lines of credit. Your bank is either financing them — or someone else is.

St. Louis Metro — Construction Labor Market

Metric St. Louis / Missouri National
Metro Unemployment Rate (Dec 2025, SA) 4.0% 4.4%
Construction Employment (Jul 2025, SA) 150,300 8.3 million
Construction Job Growth YoY (Jul 2024 → Jul 2025) +3,400 (+2.3%) +96,000 (+1.2%)
Construction Growth Since Pre-Pandemic (Feb 2020) +21,300 (+17%) +9.2%
Construction Wage Growth (YoY, Apr 2025) Modestly declining +3.6%
National Construction Wage Growth (Gordian RSMeans, 2025→2026) +4.6%
Median Annual Pay — All Occupations (2024) $46,390
Median Annual Pay — Electricians (2024) $70,950 $61,590
Median Annual Pay — First-Line Supervisors (2024) $83,150
Median Annual Pay — Plumbers/Pipefitters (2024) $62,090
Median Annual Pay — Carpenters (2024) $61,150
Median Annual Pay — Laborers (2024) $53,840
Construction Establishments (2024) 17,000 941,000
Construction GDP Contribution $22B (4.8% of $463B) $1.3T (4.5% of $30T)
Private Nonresidential Spending (2024) $7 billion $766 billion
State & Local Construction Spending (2024) $7 billion $488 billion
Firms Citing Worker Shortage as #1 Delay (AGC/NCCER Survey, Aug 2025) 54% 45%
National New Workers Needed (ABC, 2026) 349,000 (rising to 456,000 in 2027)
Electrician Job Growth Projection (BLS, 2024–2034) +9% — ~81,000 openings/year nationally

Standout: MO firms report worker shortages at 54% vs. 45% national average. Construction wages are flat-to-declining in MO while rising 3.6–4.6% nationally — signaling demand outpacing wage competitiveness. NGA HQ ($1.7B) opening 2026 + Brickline Greenway ($245M) will intensify skilled trade demand.
Sources: AGC of America (Sep 4, 2025) • FRED/BLS (Dec 2025) • NAHB Eye on Housing (Apr 2025) • Gordian RSMeans (Mar 2026) • ABC (Jan 2026) • BLS Occupational Outlook Handbook

Sample SubScore Output

This is what a scored subcontractor looks like. Five data layers, weighted, composite score. Based on the KC metro proof-of-concept (same model applies to STL).

Sample Composite Score — KC MEP Subcontractor
88.1 / 100
Rating: A — Approve | Revenue Opportunity: $38-40M | Lending Opportunity: $70-130M book
20%
Macro Demand
25%
Permits
25%
GC Pipeline
20%
Sub Ops
10%
Labor

What This Score Tells You

Macro Demand — 92/100

$111B+ Confirmed Pipeline

Google $11B, Meta $1B, Kestrel $100B, Lambda 100MW. Burns & McDonnell ranked #1 on ENR. Regional demand is not slowing down.

Permit Analysis — 89/100

Permit-to-Revenue Correlation

KC Missouri building permits via SODA API (data.kcmo.org). Back to 2010. Permit trends are a 60-90 day leading indicator of sub revenue.

GC Pipeline — 91/100

Confirmed GC Relationships

Sub has confirmed project history with Burns & McDonnell, JE Dunn. Multi-year backlog visible through awarded contracts.

Labor Market — 78/100

439K Worker Shortage

3.5% KC unemployment. UA Local 8, Local 533 (1,500 members), IBEW 124 (3,000+). Prevailing wage ~$83/hr. Tight but manageable.

Data Sources — All Public, All Verifiable

SourceWhat It Tells YouUpdate Frequency
Municipal Building Permits (SODA API)Forward-looking construction demand by type/geographyMonthly
BLS Employment & WagesTrade-specific labor availability, wage pressureMonthly (60-day lag)
JOLTS Job OpeningsConstruction sector hiring demand & turnoverMonthly
ENR Contractor RankingsGC revenue, backlog, market positionAnnual
Utility Interconnect FilingsData center and industrial project pipelineAs filed
OSHA Safety RecordsSub safety track record, violation historyContinuous
State Contractor LicensingActive licenses, bonding capacity, disciplinary actionsContinuous
Union Membership RollsLabor pool size, apprenticeship pipelineAnnual
Ameren Missouri FilingsPower demand contracts, infrastructure investment signalsAs filed
Federal Reserve Economic DataRegional GDP, construction spending, credit conditionsQuarterly
48 Hours
From request to scored report. Any sub. Any trade. St. Louis metro.

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