Missouri · HMDA 2025
Mortgage lenders in Cape Girardeau County, MO
186 lenders reported 3,150 home-loan applications in Cape Girardeau County in 2025. 1,770 closed as loans ($366.9M), 382 were denied — a 17.1% denial rate on decided applications, below the Missouri rate of 18.5%. The three most active lenders handled 19% of applications, led by First State Community Bank. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,150
- Loans originated
- 1,770
- Purchase / refinance
- 1,032 / 450
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cape Girardeau County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First State Community Bank 73 out of 100, Strong | 256 | 8.1% | 15.4% |
| 2 | The Bank of Missouri 55 out of 100, Moderate | 194 | 6.2% | 16.0% |
| 3 | U.S. Bank National Association 55 out of 100, Moderate | 160 | 5.1% | 39.5% |
| 4 | DAS Acquisition Company, LLC | 147 | 4.7% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 143 | 4.5% | — |
| 6 | Regions Bank 64 out of 100, Moderate | 128 | 4.1% | 43.1% |
| 7 | Montgomery Bank 70 out of 100, Strong | 126 | 4.0% | 13.2% |
| 8 | Rocket Mortgage, LLC | 106 | 3.4% | — |
| 9 | Southern Bank 70 out of 100, Strong | 103 | 3.3% | 5.8% |
| 10 | GUILD MORTGAGE COMPANY | 95 | 3.0% | — |
| 11 | Alliance Bank 84 out of 100, Strong | 81 | 2.6% | 2.3% |
| 12 | Mortgage Research Center, LLC | 80 | 2.5% | — |
| 13 | PLANET HOME LENDING, LLC | 80 | 2.5% | — |
| 14 | FLAT BRANCH MORTGAGE, INC. | 68 | 2.2% | — |
| 15 | First Missouri State Bank of Cape County | 64 | 2.0% | — |
| 16 | NEWREZ LLC | 57 | 1.8% | — |
| 17 | First Midwest Bank of Dexter 69 out of 100, Moderate | 54 | 1.7% | 2.3% |
| 18 | Commerce Bank 76 out of 100, Strong | 52 | 1.7% | 33.2% |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 47 | 1.5% | 14.1% |
| 20 | Wood & Huston Bank 82 out of 100, Strong | 47 | 1.5% | 3.4% |
| 21 | Banterra Bank 66 out of 100, Moderate | 46 | 1.5% | 16.1% |
| 22 | 21st Mortgage Corporation | 45 | 1.4% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 44 | 1.4% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 44 | 1.4% | — |
| 25 | Synergy One Lending, Inc. | 37 | 1.2% | — |
| 26 | FREEDOM MORTGAGE CORPORATION | 35 | 1.1% | — |
| 27 | Truist Bank 63 out of 100, Moderate | 32 | 1.0% | 40.8% |
| 28 | GERSHMAN INVESTMENT CORP. | 32 | 1.0% | — |
| 29 | DELMAR FINANCIAL COMPANY | 31 | 1.0% | — |
| 30 | NATIONS DIRECT MORTGAGE, LLC | 29 | 0.9% | — |
| 31 | VILLAGE CAPITAL & INVESTMENT LLC | 29 | 0.9% | — |
| 32 | Navy Federal Credit Union 66 out of 100, Moderate | 27 | 0.9% | 32.9% |
| 33 | NEW DAY FINANCIAL, LLC | 26 | 0.8% | — |
| 34 | MRV Banks 43 out of 100, Below average | 26 | 0.8% | 0.0% |
| 35 | AmeriSave Mortgage Corporation | 20 | 0.6% | — |
| 36 | Discover Bank | 19 | 0.6% | — |
| 37 | SPRING EQ, LLC | 19 | 0.6% | — |
| 38 | Flanagan State Bank 67 out of 100, Moderate | 19 | 0.6% | 14.2% |
| 39 | Bank of America, National Association 59 out of 100, Moderate | 18 | 0.6% | 44.7% |
| 40 | Broker Solutions, Inc. | 17 | 0.5% | — |
Top 40 of 186 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