Missouri · HMDA 2025
Mortgage lenders in Mercer County, MO
40 lenders reported 87 home-loan applications in Mercer County in 2025. 40 closed as loans ($5.6M), 19 were denied — a 30.6% denial rate on decided applications, above the Missouri rate of 18.5%. The three most active lenders handled 34% of applications, led by U.S. Bank National Association. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 87
- Loans originated
- 40
- Purchase / refinance
- 24 / 6
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Mercer County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | U.S. Bank National Association 55 out of 100, Moderate | 15 | 17.2% | 39.5% |
| 2 | BTC BANK 60 out of 100, Moderate | 10 | 11.5% | 7.3% |
| 3 | First Interstate Bank 62 out of 100, Moderate | 5 | 5.7% | 29.4% |
| 4 | Fairway Independent Mortgage Corporation | 4 | 4.6% | — |
| 5 | Rocket Mortgage, LLC | 4 | 4.6% | — |
| 6 | Mortgage Research Center, LLC | 4 | 4.6% | — |
| 7 | FREEDOM MORTGAGE CORPORATION | 3 | 3.4% | — |
| 8 | PLAZA HOME MORTGAGE, INC. | 3 | 3.4% | — |
| 9 | COMMUNITY BANC MORTGAGE CORPORATION | 3 | 3.4% | — |
| 10 | CMG MORTGAGE, INC. | 2 | 2.3% | — |
| 11 | 21st Mortgage Corporation | 2 | 2.3% | — |
| 12 | Discover Bank | 2 | 2.3% | — |
| 13 | PENNYMAC LOAN SERVICES, LLC | 2 | 2.3% | — |
| 14 | NATIONSTAR MORTGAGE LLC | 2 | 2.3% | — |
| 15 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 1.1% | 32.9% |
| 16 | NEWREZ LLC | 1 | 1.1% | — |
| 17 | Loandepot.Com, LLC | 1 | 1.1% | — |
| 18 | GUARANTEED RATE, INC. | 1 | 1.1% | — |
| 19 | AmeriSave Mortgage Corporation | 1 | 1.1% | — |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 1.1% | — |
| 21 | Bank of America, National Association 59 out of 100, Moderate | 1 | 1.1% | 44.7% |
| 22 | Flanagan State Bank 67 out of 100, Moderate | 1 | 1.1% | 14.2% |
| 23 | Midwest Heritage Bank, FSB 68 out of 100, Moderate | 1 | 1.1% | 18.2% |
| 24 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 1.1% | — |
| 25 | PLANET HOME LENDING, LLC | 1 | 1.1% | — |
| 26 | UNITED CONSUMERS CREDIT UNION 69 out of 100, Moderate | 1 | 1.1% | 23.8% |
| 27 | VANTAGE Credit Union 57 out of 100, Moderate | 1 | 1.1% | 25.2% |
| 28 | FOX COMMUNITIES Credit Union 73 out of 100, Strong | 1 | 1.1% | 4.0% |
| 29 | Farmers Bank & Trust 96 out of 100, Very strong | 1 | 1.1% | 11.7% |
| 30 | Luana Savings Bank 70 out of 100, Strong | 1 | 1.1% | 2.8% |
| 31 | Equity Prime Mortgage LLC | 1 | 1.1% | — |
| 32 | Bethpage Federal Credit Union | 1 | 1.1% | — |
| 33 | GERSHMAN INVESTMENT CORP. | 1 | 1.1% | — |
| 34 | LAKEVIEW LOAN SERVICING, LLC | 1 | 1.1% | — |
| 35 | HNB National Bank 81 out of 100, Strong | 1 | 1.1% | 6.2% |
| 36 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 1 | 1.1% | 74.7% |
| 37 | FCS Financial, FLCA | 1 | 1.1% | — |
| 38 | GoodLeap, LLC | 1 | 1.1% | — |
| 39 | USAA Federal Savings Bank 64 out of 100, Moderate | 1 | 1.1% | 37.2% |
| 40 | United Community Bank 72 out of 100, Strong | 1 | 1.1% | 10.6% |
Top 40 of 40 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