States › Missouri
Missouri mortgage lending
Every HMDA reporter's applications, originations and denial rate for properties in Missouri, with all 115 counties.
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. Record year 2024.
Missouri had 210,540 HMDA-reported mortgage applications and 131,527 originations ($30bn) in 2024, from 408 lenders with at least 25 applications in the state.
The statewide denial rate was 19.9% (national 24.3%) and the median rate spread 0.4 percentage points (national 0.3). Originations ran at 52.4 per 1,000 households, against 48.0 nationally.
Originations in the state went from 148,985 in 2018 to 131,527 in 2024; the denial rate moved from 20.5% to 19.9%.
The most active lenders by originations were Flat Branch Mortgage, Inc. (6,838), Rocket Mortgage (6,468) and The Central Trust Bank (4,795).
Most active lenders in Missouri
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Flat Branch Mortgage, Inc. | 8,457 | 6,838 | $1.6bn | 1.8% | 0.4 |
| 2 | Rocket Mortgage | 8,657 | 6,468 | $1.2bn | 18.3% | 0.6 |
| 3 | The Central Trust Bank | 7,110 | 4,795 | $946m | 14.1% | 0.4 |
| 4 | Guild Mortgage Company | 5,818 | 4,474 | $1.0bn | 2.0% | 0.5 |
| 5 | United Wholesale Mortgage | 5,556 | 4,397 | $1.2bn | 9.4% | 0.3 |
| 6 | Communityamerica Credit Union | 5,587 | 3,726 | $681m | 19.4% | -0.7 |
| 7 | Us Bank, N.A. | 6,986 | 3,423 | $633m | 40.6% | 1.1 |
| 8 | Das Acquisition Company, LLC | 4,115 | 3,145 | $746m | 2.9% | 0.7 |
| 9 | Commerce Bank | 5,363 | 2,709 | $400m | 35.7% | 0.2 |
| 10 | Mortgage Research Center | 4,775 | 2,559 | $654m | 21.2% | -0.0 |
| 11 | New American Funding, LLC. | 4,511 | 2,378 | $544m | 13.9% | 0.7 |
| 12 | First Community Credit Union | 4,077 | 2,367 | $341m | 27.9% | 1.0 |
| 13 | Fairway Independent Mort Corp | 2,903 | 2,287 | $537m | 4.5% | 0.4 |
| 14 | Arvest Bank | 3,032 | 2,002 | $505m | 18.6% | 0.5 |
| 15 | Gershman Investment Corp. | 2,163 | 1,630 | $363m | 6.3% | 0.5 |
| 16 | First State Community Bank | 2,486 | 1,600 | $302m | 17.7% | 0.3 |
| 17 | Pennymac Loan Services LLC | 2,971 | 1,580 | $366m | 18.0% | 0.2 |
| 18 | Bank of America NA | 3,644 | 1,535 | $259m | 42.4% | 1.8 |
| 19 | Primelending | 1,939 | 1,507 | $366m | 4.6% | 0.3 |
| 20 | First State Bank of St Charles | 1,462 | 1,452 | $415m | 0.1% | 0.2 |
| 21 | Stifel Bank & Trust | 1,591 | 1,404 | $485m | 1.8% | 0.0 |
| 22 | Freedom Mortgage Corporation | 2,752 | 1,264 | $308m | 15.5% | 0.4 |
| 23 | Southern Bank | 1,286 | 1,086 | $165m | 6.2% | 0.3 |
| 24 | Regions Bank | 2,176 | 1,076 | $195m | 39.6% | 0.4 |
| 25 | Newrez LLC | 2,521 | 1,046 | $245m | 31.6% | 0.5 |
| 26 | Together Credit Union | 1,610 | 1,032 | $187m | 18.5% | 0.4 |
| 27 | Navy Federal Credit Union | 2,103 | 1,007 | $202m | 31.3% | 0.1 |
| 28 | Leaderone Financial Corp. | 1,415 | 960 | $221m | 8.5% | 0.5 |
| 29 | Nationstar Mortgage | 1,397 | 929 | $146m | 16.5% | 1.1 |
| 30 | Kiavi Funding, Inc. | 1,126 | 918 | $130m | 7.2% | — |
| 31 | Great Southern Bank | 1,375 | 885 | $182m | 26.4% | -0.1 |
| 32 | Discover Bank | 3,989 | 802 | $61m | 69.5% | 2.3 |
| 33 | Oakstar Bank | 936 | 777 | $186m | 4.5% | 0.3 |
| 34 | First Bank | 1,038 | 764 | $205m | 14.3% | 0.3 |
| 35 | Flagstar Bank NA | 1,106 | 747 | $174m | 21.4% | 0.5 |
| 36 | Community Mortgage, LLC | 839 | 740 | $188m | 0.5% | 0.1 |
| 37 | UMB Bank NA | 1,226 | 738 | $137m | 31.0% | -0.3 |
| 38 | JPMorgan Chase Bank, NA | 1,166 | 732 | $225m | 13.4% | 0.1 |
| 39 | Loandepot.com, LLC | 1,640 | 731 | $123m | 44.1% | 0.7 |
| 40 | The Bank of Missouri | 958 | 690 | $139m | 16.3% | 0.2 |
| 41 | River Region Community Federal Credit Union | 882 | 688 | $120m | 9.6% | — |
| 42 | Prosperity Home Mortgage, LLC | 916 | 641 | $163m | 10.6% | 0.3 |
| 43 | Guaranteed Rate Affinity, LLC | 863 | 630 | $164m | 6.6% | 0.3 |
| 44 | Carrollton Bank | 808 | 603 | $158m | 10.9% | 0.3 |
| 45 | Delmar Financial Company | 793 | 591 | $174m | 1.6% | 0.3 |
| 46 | Crosscountry Mortgage, LLC | 1,104 | 577 | $152m | 3.0% | 0.5 |
| 47 | Figure Lending LLC | 1,201 | 573 | $31m | 28.3% | 4.0 |
| 48 | Endeavor Capital LLC | 852 | 562 | $147m | 2.9% | 0.4 |
| 49 | Southwest Missouri Bank | 715 | 558 | $67m | 12.0% | 0.9 |
| 50 | West Community Credit Union | 900 | 542 | $69m | 23.0% | 0.9 |
| 51 | Nbkc Bank | 738 | 533 | $176m | 8.8% | -0.1 |
| 52 | American Pacific Mortgage Corporation | 728 | 525 | $153m | 11.0% | 0.5 |
| 53 | PNC Bank N.A. | 954 | 494 | $76m | 34.0% | 1.2 |
| 54 | Geneva Financial LLC | 751 | 494 | $118m | 4.0% | 0.6 |
| 55 | Jlb Corp DBA Golden Oak Lending | 632 | 488 | $117m | 6.0% | 0.3 |
| 56 | Midwest Mortgage Associates Corp | 711 | 480 | $101m | 4.2% | 0.4 |
| 57 | Simmons Bank | 853 | 472 | $64m | 35.0% | 0.4 |
| 58 | BluCurrent Credit Union | 623 | 463 | $61m | 15.6% | 0.0 |
| 59 | Spring Eq, LLC | 1,315 | 450 | $31m | 58.3% | 3.8 |
| 60 | Vantage Credit Union | 722 | 450 | $64m | 32.0% | 1.6 |
Top 60 of 408 lenders with at least 25 applications in the state, by originations. 247 lenders have 100 or more applications here and link to a state-specific page.
Compared with the nation
| Measure | Missouri | United States |
|---|---|---|
| Denial rate | 19.9% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.1% | 15.6% |
| Average originated loan | $231k | $329k |
| Originations per 1,000 households | 52.4 | 48.0 |
| Home purchase share of originations | 58.6% | 57.0% |
| FHA-insured share | 12.8% | 13.4% |
| VA-guaranteed share | 8.2% | 7.9% |
Trend, 2018–2024
ApplicationsOriginations
MissouriUnited States
FHA share of originationsVA share
| Year | Applications | Originations | Amount | Denial rate | FHA | VA | Refinance share |
|---|---|---|---|---|---|---|---|
| 2018 | 233,470 | 148,985 | $26bn | 20.5% | 14.2% | 7.4% | 27.9% |
| 2019 | 268,591 | 176,636 | $34bn | 17.7% | 13.4% | 8.5% | 37.7% |
| 2020 | 396,445 | 273,088 | $58bn | 12.8% | 9.4% | 8.8% | 57.3% |
| 2021 | 394,805 | 270,263 | $58bn | 13.3% | 10.0% | 8.3% | 54.9% |
| 2022 | 255,101 | 162,494 | $37bn | 18.2% | 11.1% | 6.8% | 29.8% |
| 2023 | 189,828 | 118,478 | $26bn | 20.3% | 13.0% | 6.6% | 19.2% |
| 2024 | 210,540 | 131,527 | $30bn | 19.9% | 12.8% | 8.2% | 24.8% |
Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).
Loan purpose and loan type, 2024
By purpose
Home purchase 59% (77,048)Home improvement 8% (10,760)Refinancing 13% (17,566)Cash-out refinancing 11% (15,086)Other purpose 8% (11,057)
By type
Conventional 77% (101,632)FHA 13% (16,807)VA 8% (10,815)USDA 2% (2,273)
Counties
| County | Applications | Originations | Per 1,000 households | Denial rate | Median spread | Lenders |
|---|---|---|---|---|---|---|
| St. Louis County | 33,150 | 20,794 | 50.2 | 19.6% | 0.5 | 140 |
| Jackson County | 26,324 | 16,213 | 52.8 | 20.9% | 0.3 | 136 |
| St. Charles County | 16,359 | 10,632 | 65.9 | 17.7% | 0.5 | 101 |
| Greene County | 10,365 | 6,860 | 52.4 | 17.3% | 0.4 | 71 |
| Clay County | 9,940 | 6,468 | 63.3 | 18.1% | 0.3 | 69 |
| Jefferson County | 9,449 | 5,876 | 66.5 | 20.2% | 0.6 | 73 |
| St. Louis city | 8,405 | 5,006 | 34.6 | 21.6% | 0.4 | 72 |
| Boone County | 5,431 | 3,488 | 45.6 | 15.6% | 0.3 | 38 |
| Cass County | 4,597 | 2,962 | 68.6 | 18.6% | 0.4 | 46 |
| Jasper County | 4,457 | 2,844 | 57.5 | 18.5% | 0.6 | 30 |
| Platte County | 3,897 | 2,498 | 56.9 | 18.1% | 0.2 | 38 |
| Christian County | 3,829 | 2,489 | 70.8 | 17.7% | 0.3 | 39 |
| Franklin County | 3,441 | 2,219 | 51.6 | 18.5% | 0.4 | 30 |
| Cole County | 2,548 | 1,806 | 58.1 | 11.4% | 0.4 | 19 |
| Buchanan County | 2,721 | 1,784 | 53.4 | 18.3% | 0.6 | 24 |
| Camden County | 2,814 | 1,735 | 96.8 | 18.5% | 0.5 | 22 |
| Lincoln County | 2,589 | 1,637 | 71.7 | 20.3% | 0.6 | 30 |
| Cape Girardeau County | 2,435 | 1,586 | 48.9 | 18.4% | 0.4 | 26 |
| Johnson County | 2,021 | 1,398 | 66.3 | 12.5% | 0.2 | 19 |
| St. Francois County | 2,158 | 1,313 | 52.9 | 22.4% | 0.5 | 21 |
| Taney County | 2,034 | 1,158 | 50.8 | 23.6% | 0.5 | 26 |
| Newton County | 2,032 | 1,156 | 52.2 | 23.6% | 0.5 | 18 |
| Pulaski County | 1,879 | 1,110 | 65.9 | 20.8% | 0.1 | 18 |
| Warren County | 1,580 | 1,018 | 73.5 | 19.0% | 0.5 | 17 |
| Stone County | 1,576 | 974 | 72.0 | 21.9% | 0.5 | 16 |
| Callaway County | 1,439 | 901 | 54.7 | 18.6% | 0.4 | 10 |
| Webster County | 1,465 | 897 | 64.2 | 22.1% | 0.4 | 17 |
| Pettis County | 1,433 | 816 | 48.0 | 23.4% | 0.5 | 16 |
| Lafayette County | 1,132 | 801 | 63.7 | 14.8% | 0.4 | 13 |
| Lawrence County | 1,330 | 795 | 54.4 | 24.6% | 0.5 | 13 |
| Butler County | 1,138 | 792 | 47.7 | 15.5% | 0.5 | 9 |
| Polk County | 1,157 | 721 | 59.8 | 21.6% | 0.4 | 15 |
| Laclede County | 1,259 | 665 | 45.7 | 26.3% | 0.5 | 17 |
| Scott County | 1,081 | 659 | 43.0 | 23.4% | 0.6 | 14 |
| Barry County | 1,094 | 636 | 47.7 | 24.0% | 0.6 | 8 |
| Benton County | 848 | 547 | 63.8 | 19.9% | 0.7 | 7 |
| Miller County | 917 | 536 | 54.4 | 25.1% | 0.4 | 5 |
| Phelps County | 954 | 525 | 30.3 | 23.7% | 0.4 | 10 |
| Clinton County | 831 | 514 | 61.7 | 19.3% | 0.3 | 6 |
| Ray County | 831 | 506 | 55.5 | 21.5% | 0.5 | 9 |
| Randolph County | 760 | 484 | 52.3 | 19.1% | 0.5 | 8 |
| Howell County | 835 | 468 | 29.3 | 22.2% | 0.4 | 6 |
| Henry County | 818 | 463 | 50.2 | 24.4% | 0.4 | 8 |
| Marion County | 681 | 461 | 40.7 | 16.3% | 0.4 | 7 |
| Morgan County | 800 | 453 | 52.1 | 22.6% | 0.5 | 4 |
| Stoddard County | 632 | 413 | 35.6 | 20.2% | 0.6 | 6 |
| Audrain County | 704 | 404 | 43.8 | 23.7% | 0.5 | 7 |
| Saline County | 622 | 389 | 48.3 | 19.0% | 0.5 | 6 |
| Cooper County | 572 | 378 | 60.5 | 14.5% | 0.4 | 4 |
| Bates County | 578 | 373 | 60.6 | 22.4% | 0.5 | 5 |
| Crawford County | 620 | 364 | 38.0 | 19.0% | 0.5 | 5 |
| Nodaway County | 531 | 359 | 42.4 | 17.4% | 0.4 | 5 |
| Perry County | 617 | 359 | 47.7 | 24.1% | 0.4 | 4 |
| Dallas County | 574 | 338 | 49.9 | 21.9% | 0.5 | 4 |
| Ste. Genevieve County | 547 | 335 | 46.9 | 19.8% | 0.5 | 4 |
| Andrew County | 527 | 333 | 47.7 | 18.5% | 0.5 | 7 |
| Washington County | 660 | 330 | 37.0 | 30.7% | 0.6 | 5 |
| Adair County | 550 | 324 | 35.5 | 21.7% | 0.5 | 7 |
| McDonald County | 663 | 320 | 37.4 | 29.8% | 0.6 | 6 |
| Texas County | 596 | 309 | 32.5 | 30.8% | 0.4 | 5 |
| Vernon County | 489 | 307 | 39.6 | 22.3% | 0.5 | 5 |
| Moniteau County | 461 | 295 | 51.5 | 21.4% | 0.4 | 5 |
| Wright County | 475 | 280 | 39.0 | 22.8% | 0.4 | 2 |
| Cedar County | 442 | 264 | 45.7 | 25.1% | 0.4 | 3 |
| Pike County | 440 | 253 | 39.4 | 24.1% | 0.4 | 4 |
| Osage County | 358 | 250 | 47.3 | 12.6% | 0.3 | 4 |
| Dunklin County | 437 | 229 | 20.3 | 29.2% | 0.8 | 4 |
| Hickory County | 367 | 226 | 62.8 | 22.7% | 0.7 | 2 |
| Gasconade County | 386 | 220 | 36.3 | 23.2% | 0.4 | 3 |
| Linn County | 333 | 215 | 44.8 | 21.5% | 0.7 | 2 |
| Livingston County | 335 | 207 | 36.9 | 25.4% | 0.5 | 2 |
| DeKalb County | 285 | 200 | 53.6 | 15.7% | 0.6 | 1 |
| Ripley County | 342 | 198 | 49.5 | 26.6% | 0.5 | 3 |
| Caldwell County | 318 | 190 | 50.4 | 22.2% | 0.5 | 2 |
| Montgomery County | 317 | 187 | 40.3 | 23.9% | 0.5 | 0 |
| Madison County | 314 | 182 | 38.9 | 21.1% | 0.4 | 2 |
| Barton County | 290 | 178 | 40.0 | 16.7% | 0.5 | 1 |
| Howard County | 263 | 177 | 49.4 | 19.2% | 0.3 | 2 |
| Ralls County | 277 | 174 | 43.8 | 18.4% | 0.3 | 2 |
| New Madrid County | 307 | 172 | 25.7 | 26.7% | 0.5 | 1 |
| Bollinger County | 277 | 167 | 42.4 | 20.0% | 0.4 | 2 |
| Wayne County | 286 | 167 | 36.1 | 21.1% | 0.6 | 3 |
| Douglas County | 249 | 161 | 34.6 | 18.3% | 0.4 | 0 |
| Macon County | 302 | 155 | 25.5 | 33.5% | 0.5 | 1 |
| Iron County | 261 | 152 | 39.4 | 23.7% | 0.4 | 3 |
| Dent County | 310 | 146 | 26.0 | 33.6% | 0.6 | 3 |
| Oregon County | 206 | 145 | 42.9 | 14.8% | 0.7 | 2 |
| Grundy County | 202 | 144 | 36.9 | 15.0% | 0.6 | 1 |
| Daviess County | 208 | 143 | 47.4 | 20.5% | 0.7 | 1 |
| Maries County | 217 | 139 | 40.5 | 13.7% | 0.3 | 2 |
| Dade County | 239 | 134 | 43.8 | 28.0% | 0.7 | 1 |
| Gentry County | 164 | 118 | 48.6 | 17.1% | 0.6 | 0 |
| Ozark County | 198 | 118 | 31.8 | 22.4% | 0.5 | 1 |
| Pemiscot County | 276 | 118 | 18.6 | 40.3% | 0.8 | 3 |
| Harrison County | 180 | 112 | 35.1 | 21.6% | 0.3 | 1 |
| Chariton County | 154 | 109 | 40.7 | 13.7% | 0.8 | 1 |
| Carroll County | 166 | 104 | 29.5 | 23.2% | 0.6 | 1 |
| St. Clair County | 211 | 104 | 25.5 | 34.7% | 0.6 | 0 |
| Monroe County | 175 | 102 | 29.4 | 23.6% | 0.4 | 0 |
| Mississippi County | 191 | 95 | 21.2 | 35.5% | 0.6 | 0 |
| Carter County | 140 | 88 | 43.2 | 16.7% | 0.3 | 1 |
| Lewis County | 164 | 88 | 27.6 | 23.5% | 0.4 | 0 |
| Holt County | 122 | 79 | 45.3 | 13.5% | 0.7 | 0 |
| Reynolds County | 153 | 78 | 33.4 | 30.8% | 0.4 | 0 |
| Shannon County | 128 | 66 | 22.9 | 31.6% | 0.4 | 0 |
| Atchison County | 93 | 65 | 28.4 | 14.5% | 1.0 | 0 |
| Sullivan County | 88 | 51 | 25.0 | 26.7% | 0.8 | 0 |
| Mercer County | 68 | 37 | 28.4 | 33.9% | 1.5 | 0 |
| Putnam County | 78 | 36 | 20.1 | 38.1% | 0.5 | 0 |
| Shelby County | 77 | 36 | 15.1 | 28.3% | 1.0 | 0 |
| Clark County | 62 | 29 | 12.0 | 34.7% | 0.5 | 0 |
| Schuyler County | 50 | 29 | 22.2 | 27.5% | — | 0 |
| Knox County | 58 | 26 | 20.2 | 36.2% | — | 0 |
| Scotland County | 45 | 25 | 16.1 | 15.6% | — | 0 |
| Worth County | 39 | 23 | 27.2 | 29.4% | — | 0 |
By originations. Lenders: those with at least 25 applications in the county.
VA-guaranteed loans by month
VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Missouri originations by year is charted above from HMDA.
Questions and answers
Which mortgage lenders are most active in Missouri?
By 2024 originations: Flat Branch Mortgage, Inc. (6,838), Rocket Mortgage (6,468), The Central Trust Bank (4,795), Guild Mortgage Company (4,474), United Wholesale Mortgage (4,397). 408 lenders had at least 25 applications in the state.
What is the mortgage denial rate in Missouri?
19.9% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
How has mortgage lending in Missouri changed since 2018?
Originations went from 148,985 in 2018 to 131,527 in 2024; the denial rate moved from 20.5% to 19.9%.
Where does this data come from?
From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.