Missouri · HMDA 2025
Mortgage lenders in Jefferson County, MO
310 lenders reported 12,164 home-loan applications in Jefferson County in 2025. 6,586 closed as loans ($1.5B), 1,668 were denied — a 19.4% denial rate on decided applications, close to 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
- 12,164
- Loans originated
- 6,586
- Purchase / refinance
- 3,312 / 2,093
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Jefferson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | GUILD MORTGAGE COMPANY | 724 | 6.0% | — |
| 2 | PENNYMAC LOAN SERVICES, LLC | 580 | 4.8% | — |
| 3 | U.S. Bank National Association 55 out of 100, Moderate | 523 | 4.3% | 39.5% |
| 4 | FIRST COMMUNITY | 484 | 4.0% | — |
| 5 | Rocket Mortgage, LLC | 476 | 3.9% | — |
| 6 | NEWREZ LLC | 467 | 3.8% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 429 | 3.5% | — |
| 8 | Broker Solutions, Inc. | 365 | 3.0% | — |
| 9 | DAS Acquisition Company, LLC | 362 | 3.0% | — |
| 10 | TOGETHER CREDIT UNION 64 out of 100, Moderate | 311 | 2.6% | 19.4% |
| 11 | First State Community Bank 73 out of 100, Strong | 289 | 2.4% | 15.4% |
| 12 | Commerce Bank 76 out of 100, Strong | 287 | 2.4% | 33.2% |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 266 | 2.2% | 14.1% |
| 14 | FREEDOM MORTGAGE CORPORATION | 225 | 1.8% | — |
| 15 | Bank of America, National Association 59 out of 100, Moderate | 216 | 1.8% | 44.7% |
| 16 | Mortgage Research Center, LLC | 209 | 1.7% | — |
| 17 | GERSHMAN INVESTMENT CORP. | 204 | 1.7% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 200 | 1.6% | — |
| 19 | FLAT BRANCH MORTGAGE, INC. | 179 | 1.5% | — |
| 20 | 21st Mortgage Corporation | 178 | 1.5% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 163 | 1.3% | — |
| 22 | TRIAD FINANCIAL SERVICES, INC. | 144 | 1.2% | — |
| 23 | PLANET HOME LENDING, LLC | 139 | 1.1% | — |
| 24 | Regions Bank 64 out of 100, Moderate | 130 | 1.1% | 43.1% |
| 25 | AmeriSave Mortgage Corporation | 126 | 1.0% | — |
| 26 | VANTAGE Credit Union 57 out of 100, Moderate | 125 | 1.0% | 25.2% |
| 27 | FAMILY FINANCE MORTGAGE, LLC | 115 | 0.9% | — |
| 28 | ARSENAL CREDIT UNION 55 out of 100, Moderate | 106 | 0.9% | 10.2% |
| 29 | GUARANTEED RATE AFFINITY, LLC | 99 | 0.8% | — |
| 30 | PNC Bank, National Association 62 out of 100, Moderate | 97 | 0.8% | 33.8% |
| 31 | LAKEVIEW LOAN SERVICING, LLC | 95 | 0.8% | — |
| 32 | Navy Federal Credit Union 66 out of 100, Moderate | 92 | 0.8% | 32.9% |
| 33 | VILLAGE CAPITAL & INVESTMENT LLC | 91 | 0.7% | — |
| 34 | Stifel Bank and Trust 59 out of 100, Moderate | 91 | 0.7% | 2.3% |
| 35 | Loandepot.Com, LLC | 87 | 0.7% | — |
| 36 | GUARANTEED RATE, INC. | 86 | 0.7% | — |
| 37 | Ozarks Federal Savings and Loan Association | 84 | 0.7% | — |
| 38 | NEIGHBORS Credit Union 66 out of 100, Moderate | 80 | 0.7% | 26.2% |
| 39 | TAMMAC HOLDINGS CORPORATION | 77 | 0.6% | — |
| 40 | JLB CORPORATION | 73 | 0.6% | — |
Top 40 of 310 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
- 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
- Franklin County 4,405 apps