Missouri · HMDA 2025
Mortgage lenders in Franklin County, MO
236 lenders reported 4,405 home-loan applications in Franklin County in 2025. 2,455 closed as loans ($575.3M), 527 were denied — a 17.0% denial rate on decided applications, below the Missouri rate of 18.5%. The three most active lenders handled 15% of applications, led by GUILD MORTGAGE COMPANY. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,405
- Loans originated
- 2,455
- Purchase / refinance
- 1,417 / 701
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | GUILD MORTGAGE COMPANY | 258 | 5.9% | — |
| 2 | U.S. Bank National Association 55 out of 100, Moderate | 211 | 4.8% | 39.5% |
| 3 | PENNYMAC LOAN SERVICES, LLC | 210 | 4.8% | — |
| 4 | First State Community Bank 73 out of 100, Strong | 185 | 4.2% | 15.4% |
| 5 | NEWREZ LLC | 168 | 3.8% | — |
| 6 | United Bank of Union | 167 | 3.8% | — |
| 7 | FIRST COMMUNITY | 164 | 3.7% | — |
| 8 | Sullivan Bank | 152 | 3.5% | — |
| 9 | Bank of Washington 44 out of 100, Below average | 149 | 3.4% | 5.8% |
| 10 | Rocket Mortgage, LLC | 138 | 3.1% | — |
| 11 | FLAT BRANCH MORTGAGE, INC. | 116 | 2.6% | — |
| 12 | DAS Acquisition Company, LLC | 94 | 2.1% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 87 | 2.0% | 14.1% |
| 14 | Mortgage Research Center, LLC | 84 | 1.9% | — |
| 15 | Broker Solutions, Inc. | 78 | 1.8% | — |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 74 | 1.7% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 71 | 1.6% | — |
| 18 | Citizens Bank | 70 | 1.6% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 63 | 1.4% | — |
| 20 | Bank of Franklin County 65 out of 100, Moderate | 61 | 1.4% | 11.0% |
| 21 | UNITED SHORE FINANCIAL SERVICES, LLC | 59 | 1.3% | — |
| 22 | PLANET HOME LENDING, LLC | 51 | 1.2% | — |
| 23 | First State Bank of St. Charles, Missouri | 50 | 1.1% | — |
| 24 | AmeriSave Mortgage Corporation | 42 | 1.0% | — |
| 25 | The Central Trust Bank 69 out of 100, Moderate | 41 | 0.9% | 10.4% |
| 26 | Heritage Community Bank 59 out of 100, Moderate | 40 | 0.9% | 1.3% |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 38 | 0.9% | 44.7% |
| 28 | VILLAGE CAPITAL & INVESTMENT LLC | 38 | 0.9% | — |
| 29 | Farmers and Merchants Bank of St. Clair 84 out of 100, Strong | 37 | 0.8% | 5.8% |
| 30 | GERSHMAN INVESTMENT CORP. | 36 | 0.8% | — |
| 31 | Stifel Bank and Trust 59 out of 100, Moderate | 33 | 0.7% | 2.3% |
| 32 | Loandepot.Com, LLC | 32 | 0.7% | — |
| 33 | CROSSCOUNTRY MORTGAGE, INC. | 31 | 0.7% | — |
| 34 | PNC Bank, National Association 62 out of 100, Moderate | 31 | 0.7% | 33.8% |
| 35 | SPRING EQ, LLC | 31 | 0.7% | — |
| 36 | FIGURE LENDING LLC | 31 | 0.7% | — |
| 37 | VANTAGE Credit Union 57 out of 100, Moderate | 31 | 0.7% | 25.2% |
| 38 | CARRINGTON MORTGAGE SERVICES, LLC | 31 | 0.7% | — |
| 39 | Discover Bank | 29 | 0.7% | — |
| 40 | Regions Bank 64 out of 100, Moderate | 26 | 0.6% | 43.1% |
Top 40 of 236 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