Missouri · HMDA 2025
Mortgage lenders in Cole County, MO
182 lenders reported 3,303 home-loan applications in Cole County in 2025. 2,058 closed as loans ($428.6M), 302 were denied — a 12.4% denial rate on decided applications, below the Missouri rate of 18.5%. The three most active lenders handled 40% of applications, led by The Central Trust Bank. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,303
- Loans originated
- 2,058
- Purchase / refinance
- 1,033 / 660
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cole County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Central Trust Bank 69 out of 100, Moderate | 668 | 20.2% | 10.4% |
| 2 | River Region Credit Union | 327 | 9.9% | — |
| 3 | FLAT BRANCH MORTGAGE, INC. | 323 | 9.8% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 182 | 5.5% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 162 | 4.9% | — |
| 6 | Mid America Bank 70 out of 100, Strong | 133 | 4.0% | 6.3% |
| 7 | Mortgage Research Center, LLC | 109 | 3.3% | — |
| 8 | Rocket Mortgage, LLC | 93 | 2.8% | — |
| 9 | U.S. Bank National Association 55 out of 100, Moderate | 85 | 2.6% | 39.5% |
| 10 | Hawthorn Bank 75 out of 100, Strong | 66 | 2.0% | 18.4% |
| 11 | NEWREZ LLC | 51 | 1.5% | — |
| 12 | PLANET HOME LENDING, LLC | 42 | 1.3% | — |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 40 | 1.2% | — |
| 14 | GENEVA FINANCIAL, LLC | 39 | 1.2% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 38 | 1.2% | — |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 36 | 1.1% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 36 | 1.1% | — |
| 18 | Community Point Bank 71 out of 100, Strong | 35 | 1.1% | 0.0% |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 34 | 1.0% | 14.1% |
| 20 | AMERICAN FINANCIAL RESOURCES, INC. | 34 | 1.0% | — |
| 21 | First Mid Bank & Trust, National Association 70 out of 100, Strong | 32 | 1.0% | 22.9% |
| 22 | Sullivan Bank | 30 | 0.9% | — |
| 23 | Broker Solutions, Inc. | 26 | 0.8% | — |
| 24 | AmeriSave Mortgage Corporation | 25 | 0.8% | — |
| 25 | Regions Bank 64 out of 100, Moderate | 23 | 0.7% | 43.1% |
| 26 | DAS Acquisition Company, LLC | 22 | 0.7% | — |
| 27 | KIND LENDING, LLC | 20 | 0.6% | — |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 19 | 0.6% | 32.9% |
| 29 | LAKEVIEW LOAN SERVICING, LLC | 19 | 0.6% | — |
| 30 | LEGENDS BANK 90 out of 100, Very strong | 17 | 0.5% | 8.5% |
| 31 | Loandepot.Com, LLC | 16 | 0.5% | — |
| 32 | GERSHMAN INVESTMENT CORP. | 16 | 0.5% | — |
| 33 | NEW DAY FINANCIAL, LLC | 16 | 0.5% | — |
| 34 | 21st Mortgage Corporation | 15 | 0.5% | — |
| 35 | ResMac, Inc. | 15 | 0.5% | — |
| 36 | FIGURE LENDING LLC | 13 | 0.4% | — |
| 37 | VILLAGE CAPITAL & INVESTMENT LLC | 13 | 0.4% | — |
| 38 | Midwest Mortgage Associates Corporation | 12 | 0.4% | — |
| 39 | GoodLeap, LLC | 12 | 0.4% | — |
| 40 | GUARANTEED RATE, INC. | 11 | 0.3% | — |
Top 40 of 182 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