Missouri · HMDA 2025
Mortgage lenders in Cooper County, MO
114 lenders reported 633 home-loan applications in Cooper County in 2025. 349 closed as loans ($73.8M), 74 were denied — a 16.6% denial rate on decided applications, below the Missouri rate of 18.5%. The three most active lenders handled 24% of applications, led by The Central Trust Bank. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 633
- Loans originated
- 349
- Purchase / refinance
- 198 / 106
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cooper County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Central Trust Bank 69 out of 100, Moderate | 60 | 9.5% | 10.4% |
| 2 | Alliant Bank | 48 | 7.6% | — |
| 3 | FLAT BRANCH MORTGAGE, INC. | 43 | 6.8% | — |
| 4 | Mortgage Research Center, LLC | 31 | 4.9% | — |
| 5 | Rocket Mortgage, LLC | 27 | 4.3% | — |
| 6 | BTC BANK 60 out of 100, Moderate | 26 | 4.1% | 7.3% |
| 7 | River Region Credit Union | 25 | 3.9% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 22 | 3.5% | — |
| 9 | NEWREZ LLC | 21 | 3.3% | — |
| 10 | DAS Acquisition Company, LLC | 17 | 2.7% | — |
| 11 | FREEDOM MORTGAGE CORPORATION | 16 | 2.5% | — |
| 12 | U.S. Bank National Association 55 out of 100, Moderate | 15 | 2.4% | 39.5% |
| 13 | Exchange Bank of Missouri | 15 | 2.4% | — |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 14 | 2.2% | — |
| 15 | First State Community Bank 73 out of 100, Strong | 11 | 1.7% | 15.4% |
| 16 | PLANET HOME LENDING, LLC | 10 | 1.6% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 1.1% | 14.1% |
| 18 | Broker Solutions, Inc. | 7 | 1.1% | — |
| 19 | Southern Bank 70 out of 100, Strong | 7 | 1.1% | 5.8% |
| 20 | COMMUNITY BANC MORTGAGE CORPORATION | 7 | 1.1% | — |
| 21 | 21st Mortgage Corporation | 6 | 0.9% | — |
| 22 | Connections Bank 78 out of 100, Strong | 6 | 0.9% | 4.0% |
| 23 | NATIONSTAR MORTGAGE LLC | 6 | 0.9% | — |
| 24 | COMMERCIAL TRUST COMPANY OF FAYETTE 74 out of 100, Strong | 6 | 0.9% | 5.8% |
| 25 | NEW DAY FINANCIAL, LLC | 6 | 0.9% | — |
| 26 | VILLAGE CAPITAL & INVESTMENT LLC | 6 | 0.9% | — |
| 27 | PEOPLES BANK OF MONITEAU COUNTY 75 out of 100, Strong | 6 | 0.9% | 6.5% |
| 28 | AmeriSave Mortgage Corporation | 5 | 0.8% | — |
| 29 | West Community Credit Union 52 out of 100, Below average | 5 | 0.8% | 22.0% |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 0.6% | — |
| 31 | Mid America Bank 70 out of 100, Strong | 4 | 0.6% | 6.3% |
| 32 | AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | 0.6% | — |
| 33 | LAKEVIEW LOAN SERVICING, LLC | 4 | 0.6% | — |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 0.5% | 32.9% |
| 35 | Loandepot.Com, LLC | 3 | 0.5% | — |
| 36 | Regions Bank 64 out of 100, Moderate | 3 | 0.5% | 43.1% |
| 37 | TRIAD FINANCIAL SERVICES, INC. | 3 | 0.5% | — |
| 38 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.5% | — |
| 39 | FIGURE LENDING LLC | 3 | 0.5% | — |
| 40 | The Callaway Bank 67 out of 100, Moderate | 3 | 0.5% | 2.1% |
Top 40 of 114 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