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21st Mortgage 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.
21st Mortgage's 2024 HMDA record for Missouri covers 1,872 applications, 408 of them originated, worth $38m.
Its denial rate in the state was 66.8%, above the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 70.3%.
The median rate spread on its Missouri originations was 4.7 percentage points (state median 0.4).
Applications in the state were up 8% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | 21st Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 66.8% | 19.9% | 70.3% | 24.3% |
| Median rate spread, pp | 4.7 | 0.4 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 98.6% | 14.1% | 99.0% | 15.6% |
| Average originated loan | $92k | $231k | $114k | $329k |
| Home purchase share | 98.3% | 58.6% | 98.4% | 57.0% |
| FHA-insured share | 0.0% | 12.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 8.2% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 98% (401)Home improvement 0% (1)Refinancing 1% (4)Other purpose 0% (2)
By type
Conventional 100% (408)
Denial reasons as coded
Share of 875 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson County | 184 | 46 | $3.0m | 61.4% |
| Clay County | 146 | 43 | $2.5m | 60.4% |
| Jackson County | 110 | 41 | $3.5m | 55.4% |
| Lincoln County | 71 | 27 | $2.7m | 52.5% |
| Greene County | 113 | 22 | $2.0m | 68.4% |
| St. Charles County | 114 | 20 | $1.0m | 72.5% |
| Washington County | 49 | 20 | $2.1m | 42.1% |
| McDonald County | 36 | 13 | $1.5m | — |
| Newton County | 59 | 12 | $1.2m | 66.7% |
| Boone County | 34 | 9 | $625k | 67.9% |
| St. Francois County | 28 | 8 | $840k | — |
| Scott County | 35 | 6 | $450k | 76.0% |
| Adair County | 25 | 6 | $430k | — |
| Polk County | 26 | 5 | $665k | — |
| Cass County | 48 | 4 | $200k | 88.9% |
| St. Louis County | 31 | 4 | $310k | — |
| Cape Girardeau County | 40 | 3 | $285k | 89.7% |
| Pettis County | 32 | 3 | $135k | 90.0% |
| Taney County | 26 | 3 | $255k | — |
| Laclede County | 27 | 2 | $100k | — |
| Callaway County | 26 | 1 | $135k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 21st Mortgage originate in Missouri in 2024?
408 loans totalling $38m, from 1,872 applications reported for properties in Missouri.
What is 21st Mortgage's denial rate in Missouri?
66.8% of decided applications in Missouri were denied, against 19.9% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?
By originations: Jefferson County (46), Clay County (43), Jackson County (41), Lincoln County (27), Greene County (22).
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 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.