HMDA 2025
Mortgage lenders in Missouri
Lenders reported 269,646 home-loan applications for properties in Missouri in 2025; 145,913 became loans and the denial rate on decided applications was 18.5%. The busiest county was St. Louis County with 43,125 applications.
Most active lenders across Missouri's counties
- U.S. Bank National Association 11,984 applications
- PENNYMAC LOAN SERVICES, LLC 11,848 applications
- Rocket Mortgage, LLC 10,700 applications
- FLAT BRANCH MORTGAGE, INC. 9,342 applications
- GUILD MORTGAGE COMPANY 7,454 applications
- The Central Trust Bank 6,851 applications
- UNITED SHORE FINANCIAL SERVICES, LLC 6,710 applications
- NEWREZ LLC 6,605 applications
- Mortgage Research Center, LLC 5,743 applications
- JPMorgan Chase Bank, National Association 5,634 applications
- COMMUNITYAMERICA CREDIT UNION 5,485 applications
- Broker Solutions, Inc. 4,993 applications
- FREEDOM MORTGAGE CORPORATION 4,890 applications
- Commerce Bank 4,769 applications
- FIRST COMMUNITY 4,277 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Adair County | 727 | 108 | 18.8% | 243 / 101 |
| Andrew County | 679 | 119 | 17.6% | 200 / 132 |
| Atchison County | 139 | 44 | 19.8% | 44 / 26 |
| Audrain County | 975 | 119 | 22.7% | 289 / 133 |
| Barry County | 1,420 | 182 | 23.0% | 398 / 250 |
| Barton County | 355 | 83 | 22.7% | 88 / 59 |
| Bates County | 690 | 130 | 17.9% | 220 / 126 |
| Benton County | 1,056 | 152 | 17.9% | 288 / 226 |
| Bollinger County | 366 | 72 | 23.5% | 106 / 52 |
| Boone County | 7,197 | 297 | 13.6% | 2,342 / 1,115 |
| Buchanan County | 3,437 | 213 | 18.5% | 1,127 / 536 |
| Butler County | 1,477 | 117 | 16.9% | 506 / 208 |
| Caldwell County | 351 | 90 | 16.5% | 116 / 74 |
| Callaway County | 1,952 | 156 | 18.4% | 558 / 352 |
| Camden County | 3,689 | 350 | 19.6% | 1,129 / 595 |
| Cape Girardeau County | 3,150 | 186 | 17.1% | 1,032 / 450 |
| Carroll County | 224 | 64 | 18.4% | 74 / 42 |
| Carter County | 157 | 49 | 22.7% | 59 / 18 |
| Cass County | 6,061 | 297 | 16.7% | 1,785 / 982 |
| Cedar County | 552 | 115 | 23.7% | 156 / 89 |
| Chariton County | 155 | 60 | 16.7% | 57 / 30 |
| Christian County | 5,034 | 255 | 15.5% | 1,515 / 882 |
| Clark County | 70 | 32 | 14.6% | 24 / 9 |
| Clay County | 13,000 | 367 | 17.2% | 3,868 / 2,035 |
| Clinton County | 1,141 | 174 | 17.0% | 367 / 168 |
| Cole County | 3,303 | 182 | 12.4% | 1,033 / 660 |
| Cooper County | 633 | 114 | 16.6% | 198 / 106 |
| Crawford County | 801 | 124 | 23.7% | 223 / 125 |
| Dade County | 315 | 81 | 29.5% | 71 / 49 |
| Dallas County | 792 | 110 | 28.7% | 196 / 130 |
| Daviess County | 291 | 96 | 17.2% | 95 / 56 |
| DeKalb County | 339 | 84 | 18.0% | 94 / 73 |
| Dent County | 408 | 88 | 28.6% | 115 / 52 |
| Douglas County | 309 | 94 | 16.4% | 85 / 69 |
| Dunklin County | 555 | 86 | 26.7% | 166 / 63 |
| Franklin County | 4,405 | 236 | 17.0% | 1,417 / 701 |
| Gasconade County | 527 | 101 | 20.3% | 151 / 81 |
| Gentry County | 215 | 59 | 19.0% | 80 / 39 |
| Greene County | 13,657 | 334 | 15.4% | 4,380 / 2,284 |
| Grundy County | 268 | 63 | 18.4% | 100 / 37 |
| Harrison County | 197 | 60 | 25.2% | 73 / 27 |
| Henry County | 1,134 | 142 | 20.7% | 291 / 180 |
| Hickory County | 482 | 107 | 24.2% | 141 / 70 |
| Holt County | 110 | 53 | 19.4% | 33 / 20 |
| Howard County | 368 | 74 | 18.2% | 109 / 89 |
| Howell County | 1,157 | 135 | 20.3% | 310 / 201 |
| Iron County | 337 | 72 | 23.7% | 103 / 40 |
| Jackson County | 32,622 | 510 | 18.2% | 9,889 / 4,886 |
| Jasper County | 5,553 | 231 | 16.7% | 1,790 / 715 |
| Jefferson County | 12,164 | 310 | 19.4% | 3,312 / 2,093 |
| Johnson County | 2,822 | 210 | 14.8% | 879 / 538 |
| Knox County | 92 | 43 | 25.4% | 29 / 11 |
| Laclede County | 1,849 | 139 | 34.5% | 406 / 233 |
| Lafayette County | 1,559 | 174 | 17.7% | 452 / 310 |
| Lawrence County | 1,827 | 154 | 20.8% | 510 / 302 |
| Lewis County | 188 | 63 | 20.1% | 74 / 26 |
| Lincoln County | 3,402 | 211 | 18.6% | 961 / 596 |
| Linn County | 382 | 86 | 15.3% | 115 / 83 |
| Livingston County | 433 | 94 | 19.2% | 138 / 66 |
| Macon County | 382 | 82 | 27.8% | 110 / 52 |
| Madison County | 401 | 77 | 22.1% | 124 / 68 |
| Maries County | 337 | 73 | 19.5% | 90 / 58 |
| Marion County | 858 | 100 | 14.1% | 317 / 137 |
| McDonald County | 898 | 129 | 30.9% | 212 / 138 |
| Mercer County | 87 | 40 | 30.6% | 24 / 6 |
| Miller County | 1,142 | 143 | 21.4% | 295 / 214 |
| Mississippi County | 290 | 71 | 26.0% | 84 / 38 |
| Moniteau County | 564 | 88 | 16.5% | 162 / 114 |
| Monroe County | 247 | 69 | 27.0% | 72 / 38 |
| Montgomery County | 390 | 90 | 23.8% | 109 / 68 |
| Morgan County | 1,071 | 183 | 25.2% | 287 / 152 |
| New Madrid County | 458 | 89 | 24.9% | 128 / 46 |
| Newton County | 2,621 | 172 | 21.2% | 739 / 360 |
| Nodaway County | 533 | 96 | 15.5% | 193 / 85 |
| Oregon County | 236 | 66 | 23.4% | 64 / 35 |
| Osage County | 519 | 74 | 11.5% | 175 / 104 |
| Ozark County | 236 | 83 | 34.6% | 43 / 46 |
| Pemiscot County | 319 | 64 | 36.7% | 70 / 42 |
| Perry County | 739 | 88 | 18.0% | 203 / 113 |
| Pettis County | 1,863 | 173 | 19.9% | 520 / 311 |
| Phelps County | 1,451 | 157 | 23.9% | 443 / 204 |
| Pike County | 549 | 96 | 19.7% | 178 / 92 |
| Platte County | 4,802 | 281 | 15.9% | 1,517 / 730 |
| Polk County | 1,499 | 157 | 20.5% | 463 / 227 |
| Pulaski County | 2,618 | 154 | 19.5% | 697 / 439 |
| Putnam County | 85 | 49 | 25.0% | 23 / 10 |
| Ralls County | 326 | 85 | 19.7% | 101 / 64 |
| Randolph County | 1,040 | 115 | 19.1% | 320 / 177 |
| Ray County | 1,100 | 158 | 19.4% | 317 / 189 |
| Reynolds County | 186 | 61 | 29.6% | 50 / 38 |
| Ripley County | 420 | 64 | 20.5% | 126 / 57 |
| Saline County | 744 | 97 | 18.1% | 237 / 149 |
| Schuyler County | 70 | 32 | 37.3% | 21 / 5 |
| Scotland County | 38 | 18 | 13.8% | 13 / 9 |
| Scott County | 1,351 | 118 | 20.0% | 389 / 226 |
| Shannon County | 199 | 68 | 32.8% | 38 / 33 |
| Shelby County | 100 | 40 | 25.4% | 23 / 16 |
| St. Charles County | 21,238 | 384 | 16.2% | 5,854 / 3,697 |
| St. Clair County | 259 | 88 | 35.9% | 49 / 43 |
| Ste. Genevieve County | 721 | 103 | 17.5% | 194 / 142 |
| St. Francois County | 2,527 | 166 | 20.6% | 794 / 383 |
| St. Louis city | 10,443 | 371 | 20.4% | 3,248 / 1,466 |
| St. Louis County | 43,125 | 484 | 18.6% | 11,754 / 7,059 |
| Stoddard County | 860 | 96 | 22.8% | 254 / 124 |
| Stone County | 2,063 | 250 | 19.0% | 620 / 354 |
| Sullivan County | 102 | 39 | 32.4% | 29 / 9 |
| Taney County | 2,525 | 260 | 20.2% | 797 / 390 |
| Texas County | 819 | 128 | 29.1% | 205 / 117 |
| Vernon County | 682 | 103 | 29.2% | 175 / 116 |
| Warren County | 2,307 | 204 | 15.3% | 728 / 374 |
| Washington County | 759 | 113 | 24.6% | 219 / 126 |
| Wayne County | 330 | 66 | 23.5% | 106 / 45 |
| Webster County | 1,897 | 166 | 20.3% | 511 / 331 |
| Worth County | 35 | 21 | 12.5% | 11 / 9 |
| Wright County | 635 | 114 | 23.8% | 179 / 97 |