Missouri · HMDA 2025
Mortgage lenders in Callaway County, MO
156 lenders reported 1,952 home-loan applications in Callaway County in 2025. 1,069 closed as loans ($224.0M), 255 were denied — a 18.4% denial rate on decided applications, close to the Missouri rate of 18.5%. The three most active lenders handled 30% of applications, led by The Central Trust Bank. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,952
- Loans originated
- 1,069
- Purchase / refinance
- 558 / 352
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Callaway County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Central Trust Bank 69 out of 100, Moderate | 272 | 13.9% | 10.4% |
| 2 | FLAT BRANCH MORTGAGE, INC. | 216 | 11.1% | — |
| 3 | River Region Credit Union | 104 | 5.3% | — |
| 4 | The Callaway Bank 67 out of 100, Moderate | 71 | 3.6% | 2.1% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 66 | 3.4% | — |
| 6 | Rocket Mortgage, LLC | 64 | 3.3% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 62 | 3.2% | — |
| 8 | Mortgage Research Center, LLC | 62 | 3.2% | — |
| 9 | U.S. Bank National Association 55 out of 100, Moderate | 49 | 2.5% | 39.5% |
| 10 | UNITED SECURITY BANK | 42 | 2.2% | — |
| 11 | Mid America Bank 70 out of 100, Strong | 38 | 1.9% | 6.3% |
| 12 | NEWREZ LLC | 36 | 1.8% | — |
| 13 | 21st Mortgage Corporation | 32 | 1.6% | — |
| 14 | FREEDOM MORTGAGE CORPORATION | 31 | 1.6% | — |
| 15 | NATIONSTAR MORTGAGE LLC | 28 | 1.4% | — |
| 16 | PLANET HOME LENDING, LLC | 26 | 1.3% | — |
| 17 | United Credit Union | 25 | 1.3% | — |
| 18 | DAS Acquisition Company, LLC | 25 | 1.3% | — |
| 19 | VANDERBILT MORTGAGE AND FINANCE, INC. | 23 | 1.2% | — |
| 20 | Broker Solutions, Inc. | 23 | 1.2% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 23 | 1.2% | — |
| 22 | GENEVA FINANCIAL, LLC | 21 | 1.1% | — |
| 23 | Navy Federal Credit Union 66 out of 100, Moderate | 19 | 1.0% | 32.9% |
| 24 | AmeriSave Mortgage Corporation | 19 | 1.0% | — |
| 25 | Exchange Bank of Missouri | 19 | 1.0% | — |
| 26 | TRIAD FINANCIAL SERVICES, INC. | 18 | 0.9% | — |
| 27 | Midwest Mortgage Associates Corporation | 18 | 0.9% | — |
| 28 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 17 | 0.9% | 14.1% |
| 29 | Regions Bank 64 out of 100, Moderate | 17 | 0.9% | 43.1% |
| 30 | Commerce Bank 76 out of 100, Strong | 17 | 0.9% | 33.2% |
| 31 | VILLAGE CAPITAL & INVESTMENT LLC | 16 | 0.8% | — |
| 32 | Loandepot.Com, LLC | 15 | 0.8% | — |
| 33 | Hawthorn Bank 75 out of 100, Strong | 15 | 0.8% | 18.4% |
| 34 | AMERICAN FINANCIAL RESOURCES, INC. | 14 | 0.7% | — |
| 35 | PHH Mortgage Corporation | 14 | 0.7% | — |
| 36 | FIGURE LENDING LLC | 12 | 0.6% | — |
| 37 | BTC BANK 60 out of 100, Moderate | 12 | 0.6% | 7.3% |
| 38 | GUARANTEED RATE, INC. | 11 | 0.6% | — |
| 39 | First State Community Bank 73 out of 100, Strong | 10 | 0.5% | 15.4% |
| 40 | NEW DAY FINANCIAL, LLC | 10 | 0.5% | — |
Top 40 of 156 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Missouri
- St. Louis County 43,125 apps
- Jackson County 32,622 apps
- St. Charles County 21,238 apps
- Greene County 13,657 apps
- Clay County 13,000 apps
- Jefferson County 12,164 apps
- St. Louis city 10,443 apps
- Boone County 7,197 apps
- Cass County 6,061 apps
- Jasper County 5,553 apps
- Christian County 5,034 apps
- Platte County 4,802 apps