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Taney 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.
Lenders reported 2,034 mortgage applications in Taney County, Missouri, for 2024, and originated 1,158 loans worth $236m.
That is 50.8 originations per 1,000 households, against 52.4 for Missouri and 48.0 nationally.
The county's denial rate was 23.6%, above the state rate of 19.9%. The median rate spread on originated loans was 0.5 percentage points and 15.6% of originations were 1.5 points or more above the average prime offer rate.
26 lenders reached 25 applications in the county; the most active by originations were The Central Trust Bank (153), Arvest Bank (86) and Rocket Mortgage (74).
Originations were up 7% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | The Central Trust Bank | 245 | 153 | $26m | 18.2% | — |
| 2 | Arvest Bank | 119 | 86 | $13m | 10.2% | — |
| 3 | Rocket Mortgage | 102 | 74 | $14m | 16.7% | — |
| 4 | Flat Branch Mortgage, Inc. | 82 | 61 | $14m | 5.9% | — |
| 5 | Gershman Investment Corp. | 57 | 43 | $11m | 8.5% | — |
| 6 | Generations Bank | 57 | 42 | $9.0m | 5.7% | — |
| 7 | Mortgage Research Center | 56 | 30 | $7.2m | 8.8% | — |
| 8 | Simmons Bank | 41 | 29 | $4.7m | 23.7% | — |
| 9 | The Bank of Missouri | 34 | 25 | $5.1m | 21.9% | — |
| 10 | Cardinal Financial Company, Li | 27 | 25 | $2.9m | 0.0% | — |
| 11 | Great Southern Bank | 41 | 23 | $2.6m | 41.0% | — |
| 12 | New American Funding, LLC. | 60 | 22 | $5.3m | 22.6% | — |
| 13 | United Wholesale Mortgage | 32 | 22 | $7.3m | 24.1% | — |
| 14 | Das Acquisition Company, LLC | 28 | 20 | $4.3m | — | — |
| 15 | Primelending | 26 | 20 | $4.7m | 4.0% | — |
| 16 | Regions Bank | 40 | 17 | $1.7m | 51.3% | — |
| 17 | Freedom Mortgage Corporation | 34 | 13 | $3.5m | — | — |
| 18 | Discover Bank | 40 | 12 | $860k | 57.1% | — |
| 19 | Pennymac Loan Services LLC | 32 | 12 | $2.1m | — | — |
| 20 | Commerce Bank | 28 | 12 | $2.2m | — | — |
| 21 | Loandepot.com, LLC | 26 | 12 | $2.3m | — | — |
| 22 | Amerisave Mortgage Company | 28 | 8 | $880k | 64.0% | — |
| 23 | Us Bank, N.A. | 29 | 7 | $825k | — | — |
| 24 | Vanderbilt Mortgage and Finance, Inc | 50 | 5 | $475k | 78.1% | — |
| 25 | 21st Mortgage | 26 | 3 | $255k | — | — |
| 26 | New Day Financial, LLC. | 25 | 3 | $685k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 26. Denial rate is denials over decided applications in this county.
Compared with Missouri and the nation
| Measure | This county | Missouri | United States |
|---|---|---|---|
| Denial rate | 23.6% | 19.9% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.6% | 14.1% | 15.6% |
| Average originated loan | $204k | $231k | $329k |
| Originations per 1,000 households | 50.8 | 52.4 | 48.0 |
| Home purchase share of originations | 60.1% | 58.6% | 57.0% |
| FHA-insured share | 13.2% | 12.8% | 13.4% |
| VA-guaranteed share | 8.9% | 8.2% | 7.9% |
Rate spread distribution
Share of 973 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 60% (696)Home improvement 8% (95)Refinancing 10% (113)Cash-out refinancing 14% (158)Other purpose 8% (96)
By type
Conventional 75% (870)FHA 13% (153)VA 9% (103)USDA 3% (32)
Trend by year
ApplicationsOriginations
This countyMissouri
Questions and answers
Which lenders are most active in Taney County, MO?
By 2024 originations: The Central Trust Bank (153), Arvest Bank (86), Rocket Mortgage (74), Flat Branch Mortgage, Inc. (61), Gershman Investment Corp. (43). 26 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Taney County?
23.6% of decided applications were denied in 2024, against 19.9% across Missouri and 24.3% nationally.
How many mortgages were originated in Taney County in 2024?
1,158 loans totalling $236m, from 2,034 applications; 50.8 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 29213; 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.