Missouri · HMDA 2025
Mortgage lenders in Lincoln County, MO
211 lenders reported 3,402 home-loan applications in Lincoln County in 2025. 1,827 closed as loans ($436.5M), 442 were denied — a 18.6% denial rate on decided applications, close to the Missouri rate of 18.5%. The three most active lenders handled 13% of applications, led by GUILD MORTGAGE COMPANY. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,402
- Loans originated
- 1,827
- Purchase / refinance
- 961 / 596
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lincoln County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | GUILD MORTGAGE COMPANY | 166 | 4.9% | — |
| 2 | U.S. Bank National Association 55 out of 100, Moderate | 149 | 4.4% | 39.5% |
| 3 | The Bank of Old Monroe | 142 | 4.2% | — |
| 4 | Rocket Mortgage, LLC | 134 | 3.9% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 133 | 3.9% | — |
| 6 | Broker Solutions, Inc. | 123 | 3.6% | — |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC. | 108 | 3.2% | — |
| 8 | FLAT BRANCH MORTGAGE, INC. | 102 | 3.0% | — |
| 9 | FIRST COMMUNITY | 100 | 2.9% | — |
| 10 | FREEDOM MORTGAGE CORPORATION | 89 | 2.6% | — |
| 11 | PEOPLES BANK & TRUST CO. 58 out of 100, Moderate | 85 | 2.5% | 11.2% |
| 12 | NEWREZ LLC | 82 | 2.4% | — |
| 13 | DAS Acquisition Company, LLC | 78 | 2.3% | — |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 76 | 2.2% | 14.1% |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 66 | 1.9% | — |
| 16 | Mortgage Research Center, LLC | 66 | 1.9% | — |
| 17 | First State Bank of St. Charles, Missouri | 56 | 1.6% | — |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 53 | 1.6% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 53 | 1.6% | — |
| 20 | PLANET HOME LENDING, LLC | 52 | 1.5% | — |
| 21 | 21st Mortgage Corporation | 46 | 1.4% | — |
| 22 | TRIAD FINANCIAL SERVICES, INC. | 46 | 1.4% | — |
| 23 | HNB National Bank 81 out of 100, Strong | 45 | 1.3% | 6.2% |
| 24 | VANTAGE Credit Union 57 out of 100, Moderate | 42 | 1.2% | 25.2% |
| 25 | Community State Bank of Missouri | 41 | 1.2% | — |
| 26 | CROSSCOUNTRY MORTGAGE, INC. | 39 | 1.1% | — |
| 27 | GENEVA FINANCIAL, LLC | 38 | 1.1% | — |
| 28 | TAMMAC HOLDINGS CORPORATION | 34 | 1.0% | — |
| 29 | Nations Lending Corporation | 32 | 0.9% | — |
| 30 | Commerce Bank 76 out of 100, Strong | 31 | 0.9% | 33.2% |
| 31 | Bank of America, National Association 59 out of 100, Moderate | 29 | 0.9% | 44.7% |
| 32 | AMERICAN PACIFIC MORTGAGE CORPORATION | 29 | 0.9% | — |
| 33 | GUARANTEED RATE AFFINITY, LLC | 27 | 0.8% | — |
| 34 | Stifel Bank and Trust 59 out of 100, Moderate | 27 | 0.8% | 2.3% |
| 35 | Regions Bank 64 out of 100, Moderate | 26 | 0.8% | 43.1% |
| 36 | VILLAGE CAPITAL & INVESTMENT LLC | 25 | 0.7% | — |
| 37 | Navy Federal Credit Union 66 out of 100, Moderate | 24 | 0.7% | 32.9% |
| 38 | FIGURE LENDING LLC | 23 | 0.7% | — |
| 39 | Discover Bank | 22 | 0.6% | — |
| 40 | GUARANTEED RATE, INC. | 22 | 0.6% | — |
Top 40 of 211 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