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Mortgage Research Center in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri overview
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.
Mortgage Research Center's 2024 HMDA record for Missouri covers 4,775 applications, 2,559 of them originated, worth $654m.
Its denial rate in the state was 21.2%, close to the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 24.0%.
The median rate spread on its Missouri originations was -0.0 percentage points (state median 0.4).
Applications in the state were up 17% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | Mortgage Research Center, all states | United States |
|---|---|---|---|---|
| Denial rate | 21.2% | 19.9% | 24.0% | 24.3% |
| Median rate spread, pp | -0.0 | 0.4 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.9% | 14.1% | 0.8% | 15.6% |
| Average originated loan | $256k | $231k | $315k | $329k |
| Home purchase share | 80.8% | 58.6% | 81.8% | 57.0% |
| FHA-insured share | 5.3% | 12.8% | 2.9% | 13.4% |
| VA-guaranteed share | 85.2% | 8.2% | 92.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 81% (2,067)Refinancing 14% (361)Cash-out refinancing 5% (131)
By type
Conventional 9% (221)FHA 5% (136)VA 85% (2,181)USDA 1% (21)
Denial reasons as coded
Share of 700 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jackson County | 447 | 222 | $58m | 24.5% |
| St. Louis County | 425 | 215 | $50m | 23.9% |
| Greene County | 288 | 156 | $35m | 19.1% |
| Pulaski County | 203 | 119 | $29m | 21.7% |
| St. Charles County | 198 | 114 | $41m | 16.2% |
| Boone County | 183 | 107 | $31m | 12.1% |
| Jefferson County | 179 | 98 | $27m | 21.0% |
| Clay County | 127 | 71 | $24m | 22.0% |
| Cole County | 95 | 66 | $18m | 7.0% |
| Christian County | 106 | 60 | $19m | 18.9% |
| St. Louis city | 135 | 57 | $15m | 34.1% |
| Franklin County | 93 | 54 | $15m | 16.9% |
| Cass County | 87 | 52 | $16m | 11.7% |
| Jasper County | 101 | 49 | $10m | 29.6% |
| Johnson County | 90 | 46 | $14m | 15.5% |
| Buchanan County | 68 | 38 | $8.5m | 18.8% |
| Callaway County | 66 | 35 | $9.7m | 20.5% |
| Cape Girardeau County | 64 | 35 | $8.6m | 14.6% |
| Lawrence County | 54 | 34 | $8.0m | 10.5% |
| Pettis County | 54 | 34 | $7.9m | 15.0% |
| St. Francois County | 67 | 32 | $7.7m | 34.7% |
| Lincoln County | 42 | 32 | $9.3m | 8.6% |
| Platte County | 59 | 31 | $10m | 24.4% |
| Taney County | 56 | 30 | $7.2m | 8.8% |
| Newton County | 61 | 27 | $7.8m | 37.8% |
| Laclede County | 50 | 27 | $7.0m | 20.6% |
| Butler County | 35 | 24 | $4.8m | 22.6% |
| Texas County | 47 | 23 | $5.1m | 20.0% |
| Webster County | 36 | 23 | $5.3m | 14.8% |
| Scott County | 43 | 21 | $4.3m | 25.0% |
| Wright County | 33 | 20 | $4.4m | 20.0% |
| Phelps County | 40 | 19 | $4.3m | 24.0% |
| Barry County | 31 | 18 | $5.0m | 24.0% |
| Marion County | 28 | 18 | $4.2m | — |
| Polk County | 28 | 17 | $3.4m | — |
| Howell County | 37 | 16 | $4.1m | 36.0% |
| Stoddard County | 33 | 16 | $3.1m | — |
| Camden County | 38 | 15 | $4.0m | — |
| Lafayette County | 27 | 15 | $3.3m | — |
| Stone County | 29 | 14 | $3.4m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mortgage Research Center originate in Missouri in 2024?
2,559 loans totalling $654m, from 4,775 applications reported for properties in Missouri.
What is Mortgage Research Center's denial rate in Missouri?
21.2% of decided applications in Missouri were denied, against 19.9% for all lenders in the state and 24.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Missouri counties does Mortgage Research Center lend in most?
By originations: Jackson County (222), St. Louis County (215), Greene County (156), Pulaski County (119), St. Charles County (114).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.