Missouri · HMDA 2025
Mortgage lenders in Howard County, MO
74 lenders reported 368 home-loan applications in Howard County in 2025. 226 closed as loans ($44.4M), 53 were denied — a 18.2% denial rate on decided applications, close to the Missouri rate of 18.5%. The three most active lenders handled 35% of applications, led by COMMERCIAL TRUST COMPANY OF FAYETTE. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 368
- Loans originated
- 226
- Purchase / refinance
- 109 / 89
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Howard County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | COMMERCIAL TRUST COMPANY OF FAYETTE 74 out of 100, Strong | 58 | 15.8% | 5.8% |
| 2 | Exchange Bank of Missouri | 54 | 14.7% | — |
| 3 | Rocket Mortgage, LLC | 17 | 4.6% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 15 | 4.1% | — |
| 5 | FLAT BRANCH MORTGAGE, INC. | 12 | 3.3% | — |
| 6 | The Central Trust Bank 69 out of 100, Moderate | 12 | 3.3% | 10.4% |
| 7 | BTC BANK 60 out of 100, Moderate | 11 | 3.0% | 7.3% |
| 8 | Alliant Bank | 10 | 2.7% | — |
| 9 | REGIONAL MISSOURI BANK 84 out of 100, Strong | 9 | 2.4% | 10.1% |
| 10 | River Region Credit Union | 9 | 2.4% | — |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 2.2% | — |
| 12 | Mortgage Research Center, LLC | 8 | 2.2% | — |
| 13 | PLANET HOME LENDING, LLC | 8 | 2.2% | — |
| 14 | DAS Acquisition Company, LLC | 8 | 2.2% | — |
| 15 | 21st Mortgage Corporation | 7 | 1.9% | — |
| 16 | NEWREZ LLC | 7 | 1.9% | — |
| 17 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 1.6% | 39.5% |
| 18 | Broker Solutions, Inc. | 5 | 1.4% | — |
| 19 | AmeriSave Mortgage Corporation | 5 | 1.4% | — |
| 20 | TRIAD FINANCIAL SERVICES, INC. | 5 | 1.4% | — |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 1.1% | 14.1% |
| 22 | Regions Bank 64 out of 100, Moderate | 4 | 1.1% | 43.1% |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.1% | — |
| 24 | The Callaway Bank 67 out of 100, Moderate | 4 | 1.1% | 2.1% |
| 25 | NATIONSTAR MORTGAGE LLC | 4 | 1.1% | — |
| 26 | VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | 0.8% | — |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 3 | 0.8% | 44.7% |
| 28 | FIGURE LENDING LLC | 3 | 0.8% | — |
| 29 | First State Community Bank 73 out of 100, Strong | 3 | 0.8% | 15.4% |
| 30 | FREEDOM MORTGAGE CORPORATION | 3 | 0.8% | — |
| 31 | Midwest Mortgage Associates Corporation | 3 | 0.8% | — |
| 32 | FIRST COMMUNITY | 3 | 0.8% | — |
| 33 | Loandepot.Com, LLC | 2 | 0.5% | — |
| 34 | Discover Bank | 2 | 0.5% | — |
| 35 | West Community Credit Union 52 out of 100, Below average | 2 | 0.5% | 22.0% |
| 36 | SOUTHWEST STAGE FUNDING, LLC | 2 | 0.5% | — |
| 37 | AMERICAN FINANCIAL RESOURCES, INC. | 2 | 0.5% | — |
| 38 | TOP FLITE FINANCIAL, INC. | 2 | 0.5% | — |
| 39 | The Missouri Bank 88 out of 100, Very strong | 2 | 0.5% | 0.9% |
| 40 | Mid-Continent Funding, Inc. | 2 | 0.5% | — |
Top 40 of 74 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