Jefferson County, MO: mortgage lenders, denial rate and originations, 2024

States › Missouri › Jefferson County

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

Jefferson County, Missouri, saw 9,449 HMDA-reported applications and 5,876 originations ($1.2bn) in 2024.

That is 66.5 originations per 1,000 households, against 52.4 for Missouri and 48.0 nationally.

The county's denial rate was 20.2%, close to the state rate of 19.9%. The median rate spread on originated loans was 0.6 percentage points and 18.6% of originations were 1.5 points or more above the average prime offer rate.

73 lenders reached 25 applications in the county; the most active by originations were Guild Mortgage Company (544), Rocket Mortgage (281) and First Community Credit Union (269).

Originations were up 15% on 2023.

9,449applications, 2024

5,876loans originated$1.2bn

20.2%denial rateMO 19.9% · US 24.3%

66.5originations per 1,000 householdsMO 52.4 · US 48.0

Most active lenders

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	Guild Mortgage Company	692	544	$122m	1.5%	—
2	Rocket Mortgage	365	281	$51m	14.9%	—
3	First Community Credit Union	459	269	$29m	28.4%	—
4	United Wholesale Mortgage	331	268	$72m	8.5%	—
5	Das Acquisition Company, LLC	297	233	$59m	3.1%	—
6	New American Funding, LLC.	322	200	$44m	7.3%	—
7	Us Bank, N.A.	342	184	$26m	36.5%	—
8	Together Credit Union	287	175	$22m	20.8%	—
9	Gershman Investment Corp.	217	159	$34m	7.9%	—
10	First State Community Bank	245	156	$27m	20.4%	—
11	Commerce Bank	311	154	$13m	36.2%	—
12	Newrez LLC	231	133	$33m	23.5%	—
13	Family Finance Mortgage LLC	126	125	$34m	0.8%	—
14	Flat Branch Mortgage, Inc.	154	122	$28m	1.6%	—
15	Bank of America NA	213	102	$13m	39.9%	—
16	Mortgage Research Center	179	98	$27m	21.0%	—
17	Regions Bank	143	76	$10.0m	39.6%	—
18	Ozarks Federal Savings and Loan	88	67	$23m	9.0%	—
19	Freedom Mortgage Corporation	120	61	$14m	9.5%	—
20	American Pacific Mortgage Corporation	77	59	$14m	7.8%	—
21	Stifel Bank & Trust	65	59	$15m	0.0%	—
22	First State Bank of St Charles	59	59	$15m	0.0%	—
23	Pennymac Loan Services LLC	126	56	$12m	26.9%	—
24	Carrollton Bank	78	55	$11m	12.7%	—
25	Bloomsdale Bank	59	55	$14m	3.4%	—
26	Arsenal Credit Union	57	54	$7.3m	3.6%	—
27	Fairway Independent Mort Corp	74	52	$13m	7.1%	—
28	Vantage Credit Union	95	51	$6.0m	38.7%	—
29	Jlb Corp DBA Golden Oak Lending	68	51	$11m	7.1%	—
30	PNC Bank N.A.	90	50	$6.3m	33.3%	—
31	The Central Trust Bank	64	47	$12m	6.0%	—
32	21st Mortgage	184	46	$3.0m	61.4%	—
33	Triad Financial Services, Inc.	150	46	$3.4m	45.3%	—
34	Navy Federal Credit Union	78	46	$7.9m	18.6%	—
35	Discover Bank	209	45	$3.1m	63.5%	—
36	Neighbors Credit Union	73	44	$3.8m	25.4%	—
37	Nationstar Mortgage	64	44	$6.4m	8.0%	—
38	Midwest Bankcentre	57	44	$9.0m	6.3%	—
39	Century Credit Union	49	40	$3.6m	10.4%	—
40	Endeavor Capital LLC	69	38	$9.2m	2.5%	—

Lenders with at least 25 applications in the county, by originations; up to 40 shown of 73. Denial rate is denials over decided applications in this county.

Compared with Missouri and the nation

Measure	This county	Missouri	United States
Denial rate	20.2%	19.9%	24.3%
Median rate spread, pp	0.6	0.4	0.3
Originations with spread of 1.5 pp or more	18.6%	14.1%	15.6%
Average originated loan	$203k	$231k	$329k
Originations per 1,000 households	66.5	52.4	48.0
Home purchase share of originations	54.9%	58.6%	57.0%
FHA-insured share	15.9%	12.8%	13.4%
VA-guaranteed share	8.8%	8.2%	7.9%

Rate spread distribution

Below 0 pp19.7%

0 to 0.5 pp27.2%

0.5 to 1 pp22%

1 to 1.5 pp12.5%

1.5 to 3 pp12.4%

3 or more pp6.3%

Share of 5,294 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Missouri). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.

Loan purpose and loan type

By purpose

Home purchase 55% (3,228)Home improvement 9% (527)Refinancing 14% (801)Cash-out refinancing 13% (753)Other purpose 10% (567)

By type

Conventional 74% (4,368)FHA 16% (933)VA 9% (516)USDA 1% (59)

Trend by year

ApplicationsOriginations

Applications and originations in Jefferson County, 2022–2024

This countyMissouri

Denial rate by year, state rate dashed

Questions and answers

Which lenders are most active in Jefferson County, MO?

By 2024 originations: Guild Mortgage Company (544), Rocket Mortgage (281), First Community Credit Union (269), United Wholesale Mortgage (268), Das Acquisition Company, LLC (233). 73 lenders had at least 25 applications in the county.

What is the mortgage denial rate in Jefferson County?

20.2% of decided applications were denied in 2024, against 19.9% across Missouri and 24.3% nationally.

How many mortgages were originated in Jefferson County in 2024?

5,876 loans totalling $1.2bn, from 9,449 applications; 66.5 originations per 1,000 households.

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 29099; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.