Missouri · HMDA 2025
Mortgage lenders in Morgan County, MO
183 lenders reported 1,071 home-loan applications in Morgan County in 2025. 508 closed as loans ($121.0M), 183 were denied — a 25.2% denial rate on decided applications, above the Missouri rate of 18.5%. The three most active lenders handled 21% of applications, led by The Central Trust Bank. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,071
- Loans originated
- 508
- Purchase / refinance
- 287 / 152
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Morgan County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Central Trust Bank 69 out of 100, Moderate | 111 | 10.4% | 10.4% |
| 2 | FLAT BRANCH MORTGAGE, INC. | 58 | 5.4% | — |
| 3 | Rocket Mortgage, LLC | 51 | 4.8% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 45 | 4.2% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 40 | 3.7% | 39.5% |
| 6 | Mortgage Research Center, LLC | 26 | 2.4% | — |
| 7 | Midwest Mortgage Associates Corporation | 25 | 2.3% | — |
| 8 | NEWREZ LLC | 23 | 2.1% | — |
| 9 | Broker Solutions, Inc. | 21 | 2.0% | — |
| 10 | VANDERBILT MORTGAGE AND FINANCE, INC. | 19 | 1.8% | — |
| 11 | TRIAD FINANCIAL SERVICES, INC. | 19 | 1.8% | — |
| 12 | GUILD MORTGAGE COMPANY | 18 | 1.7% | — |
| 13 | Commerce Bank 76 out of 100, Strong | 18 | 1.7% | 33.2% |
| 14 | River Region Credit Union | 16 | 1.5% | — |
| 15 | AmeriSave Mortgage Corporation | 15 | 1.4% | — |
| 16 | NATIONSTAR MORTGAGE LLC | 15 | 1.4% | — |
| 17 | Loandepot.Com, LLC | 14 | 1.3% | — |
| 18 | UNITED SHORE FINANCIAL SERVICES, LLC | 14 | 1.3% | — |
| 19 | FREEDOM MORTGAGE CORPORATION | 14 | 1.3% | — |
| 20 | 21st Mortgage Corporation | 12 | 1.1% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 12 | 1.1% | — |
| 22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 1.1% | — |
| 23 | COMMUNITYAMERICA CREDIT UNION | 12 | 1.1% | — |
| 24 | NEW DAY FINANCIAL, LLC | 12 | 1.1% | — |
| 25 | PHH Mortgage Corporation | 12 | 1.1% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 11 | 1.0% | 32.9% |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 11 | 1.0% | 44.7% |
| 28 | PILGRIM MORTGAGE LLC | 11 | 1.0% | — |
| 29 | Mid America Bank 70 out of 100, Strong | 10 | 0.9% | 6.3% |
| 30 | VILLAGE CAPITAL & INVESTMENT LLC | 10 | 0.9% | — |
| 31 | GUARANTEED RATE, INC. | 9 | 0.8% | — |
| 32 | GENEVA FINANCIAL, LLC | 9 | 0.8% | — |
| 33 | INFUZE Credit Union | 9 | 0.8% | — |
| 34 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 8 | 0.7% | 14.1% |
| 35 | Concordia Bank of Concordia, Missouri | 8 | 0.7% | — |
| 36 | The Tipton Latham Bank, National Association | 8 | 0.7% | — |
| 37 | NATIONS DIRECT MORTGAGE, LLC | 8 | 0.7% | — |
| 38 | Fairway Independent Mortgage Corporation | 7 | 0.7% | — |
| 39 | The Federal Savings Bank 51 out of 100, Below average | 7 | 0.7% | 19.1% |
| 40 | BTC BANK 60 out of 100, Moderate | 7 | 0.7% | 7.3% |
Top 40 of 183 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