Missouri · HMDA 2025
Mortgage lenders in Madison County, MO
77 lenders reported 401 home-loan applications in Madison County in 2025. 219 closed as loans ($35.7M), 64 were denied — a 22.1% denial rate on decided applications, above the Missouri rate of 18.5%. The three most active lenders handled 40% of applications, led by First State Community Bank. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 401
- Loans originated
- 219
- Purchase / refinance
- 124 / 68
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Madison County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First State Community Bank 73 out of 100, Strong | 103 | 25.7% | 15.4% |
| 2 | GUILD MORTGAGE COMPANY | 36 | 9.0% | — |
| 3 | Rocket Mortgage, LLC | 23 | 5.7% | — |
| 4 | Mortgage Research Center, LLC | 18 | 4.5% | — |
| 5 | NEWREZ LLC | 14 | 3.5% | — |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 14 | 3.5% | 39.5% |
| 7 | 21st Mortgage Corporation | 13 | 3.2% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 11 | 2.7% | — |
| 9 | AmeriSave Mortgage Corporation | 8 | 2.0% | — |
| 10 | GERSHMAN INVESTMENT CORP. | 8 | 2.0% | — |
| 11 | Loandepot.Com, LLC | 7 | 1.7% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 6 | 1.5% | — |
| 13 | UNITED SHORE FINANCIAL SERVICES, LLC | 5 | 1.2% | — |
| 14 | Broker Solutions, Inc. | 5 | 1.2% | — |
| 15 | Discover Bank | 5 | 1.2% | — |
| 16 | GUARANTEED RATE, INC. | 5 | 1.2% | — |
| 17 | Great Southern Bank 73 out of 100, Strong | 5 | 1.2% | 24.6% |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 5 | 1.2% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 5 | 1.2% | — |
| 20 | NEW DAY FINANCIAL, LLC | 5 | 1.2% | — |
| 21 | Regions Bank 64 out of 100, Moderate | 4 | 1.0% | 43.1% |
| 22 | PLANET HOME LENDING, LLC | 4 | 1.0% | — |
| 23 | FLAT BRANCH MORTGAGE, INC. | 4 | 1.0% | — |
| 24 | VILLAGE CAPITAL & INVESTMENT LLC | 4 | 1.0% | — |
| 25 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 0.7% | 14.1% |
| 26 | SPRING EQ, LLC | 3 | 0.7% | — |
| 27 | UNICO Bank 47 out of 100, Below average | 3 | 0.7% | 5.5% |
| 28 | The Federal Savings Bank 51 out of 100, Below average | 3 | 0.7% | 19.1% |
| 29 | TAMMAC HOLDINGS CORPORATION | 3 | 0.7% | — |
| 30 | Ozarks Federal Savings and Loan Association | 3 | 0.7% | — |
| 31 | FIRST COMMUNITY | 3 | 0.7% | — |
| 32 | ROYAL UNITED MORTGAGE LLC | 3 | 0.7% | — |
| 33 | PHH Mortgage Corporation | 3 | 0.7% | — |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.5% | 32.9% |
| 35 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.5% | 44.7% |
| 36 | The Bradford National Bank of Greenville 58 out of 100, Moderate | 2 | 0.5% | 5.4% |
| 37 | IOWA BANKERS MORTGAGE CORPORATION | 2 | 0.5% | — |
| 38 | River Region Credit Union | 2 | 0.5% | — |
| 39 | MUTUAL OF OMAHA MORTGAGE, INC. | 2 | 0.5% | — |
| 40 | MRV Banks 43 out of 100, Below average | 2 | 0.5% | 0.0% |
Top 40 of 77 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