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Phelps County, Missouri
Mortgage lending record for properties in the county, calendar year 2024.
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.
Phelps County, Missouri, saw 954 HMDA-reported applications and 525 originations ($100m) in 2024.
That is 30.3 originations per 1,000 households, against 52.4 for Missouri and 48.0 nationally.
The county's denial rate was 23.7%, above the state rate of 19.9%. The median rate spread on originated loans was 0.4 percentage points and 12.7% of originations were 1.5 points or more above the average prime offer rate.
10 lenders reached 25 applications in the county; the most active by originations were Flat Branch Mortgage, Inc. (57), Guild Mortgage Company (46) and Rocket Mortgage (41).
Originations were up 12% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Flat Branch Mortgage, Inc. | 77 | 57 | $12m | 1.7% | — |
| 2 | Guild Mortgage Company | 66 | 46 | $8.6m | 1.9% | — |
| 3 | Rocket Mortgage | 49 | 41 | $7.2m | 14.6% | — |
| 4 | Us Bank, N.A. | 58 | 32 | $5.1m | 35.3% | — |
| 5 | Infuze Credit Union | 69 | 31 | $3.4m | 33.9% | — |
| 6 | The Central Trust Bank | 42 | 31 | $5.2m | 8.8% | — |
| 7 | Das Acquisition Company, LLC | 30 | 22 | $5.0m | 11.1% | — |
| 8 | New American Funding, LLC. | 38 | 20 | $3.9m | 23.1% | — |
| 9 | Mortgage Research Center | 40 | 19 | $4.3m | 24.0% | — |
| 10 | Vanderbilt Mortgage and Finance, Inc | 30 | 5 | $395k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 10. Denial rate is denials over decided applications in this county.
Compared with Missouri and the nation
| Measure | This county | Missouri | United States |
|---|---|---|---|
| Denial rate | 23.7% | 19.9% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.7% | 14.1% | 15.6% |
| Average originated loan | $191k | $231k | $329k |
| Originations per 1,000 households | 30.3 | 52.4 | 48.0 |
| Home purchase share of originations | 61.0% | 58.6% | 57.0% |
| FHA-insured share | 17.9% | 12.8% | 13.4% |
| VA-guaranteed share | 18.7% | 8.2% | 7.9% |
Rate spread distribution
Share of 456 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 61% (320)Home improvement 7% (38)Refinancing 13% (66)Cash-out refinancing 13% (70)Other purpose 6% (31)
By type
Conventional 59% (308)FHA 18% (94)VA 19% (98)USDA 5% (25)
Trend by year
ApplicationsOriginations
This countyMissouri
Questions and answers
Which lenders are most active in Phelps County, MO?
By 2024 originations: Flat Branch Mortgage, Inc. (57), Guild Mortgage Company (46), Rocket Mortgage (41), Us Bank, N.A. (32), Infuze Credit Union (31). 10 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Phelps County?
23.7% of decided applications were denied in 2024, against 19.9% across Missouri and 24.3% nationally.
How many mortgages were originated in Phelps County in 2024?
525 loans totalling $100m, from 954 applications; 30.3 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 29161; 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.