Missouri · HMDA 2025
Mortgage lenders in Osage County, MO
74 lenders reported 519 home-loan applications in Osage County in 2025. 317 closed as loans ($69.5M), 43 were denied — a 11.5% denial rate on decided applications, below the Missouri rate of 18.5%. The three most active lenders handled 34% of applications, led by Mid America Bank. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 519
- Loans originated
- 317
- Purchase / refinance
- 175 / 104
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Osage County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Mid America Bank 70 out of 100, Strong | 61 | 11.8% | 6.3% |
| 2 | LEGENDS BANK 90 out of 100, Very strong | 58 | 11.2% | 8.5% |
| 3 | PENNYMAC LOAN SERVICES, LLC | 57 | 11.0% | — |
| 4 | The Central Trust Bank 69 out of 100, Moderate | 39 | 7.5% | 10.4% |
| 5 | FLAT BRANCH MORTGAGE, INC. | 36 | 6.9% | — |
| 6 | River Region Credit Union | 29 | 5.6% | — |
| 7 | GERSHMAN INVESTMENT CORP. | 23 | 4.4% | — |
| 8 | Mortgage Research Center, LLC | 18 | 3.5% | — |
| 9 | The Maries County Bank 89 out of 100, Very strong | 16 | 3.1% | 13.9% |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 14 | 2.7% | 39.5% |
| 11 | Rocket Mortgage, LLC | 13 | 2.5% | — |
| 12 | Heritage Community Bank 59 out of 100, Moderate | 9 | 1.7% | 1.3% |
| 13 | 21st Mortgage Corporation | 7 | 1.3% | — |
| 14 | NEWREZ LLC | 7 | 1.3% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 7 | 1.3% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.2% | 14.1% |
| 17 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 1.2% | — |
| 18 | PLANET HOME LENDING, LLC | 6 | 1.2% | — |
| 19 | VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | 1.0% | — |
| 20 | AmeriSave Mortgage Corporation | 5 | 1.0% | — |
| 21 | TRIAD FINANCIAL SERVICES, INC. | 5 | 1.0% | — |
| 22 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 1.0% | — |
| 23 | Loandepot.Com, LLC | 4 | 0.8% | — |
| 24 | TOWNE MORTGAGE COMPANY | 4 | 0.8% | — |
| 25 | CARRINGTON MORTGAGE SERVICES, LLC | 4 | 0.8% | — |
| 26 | MISSOURI ELECTRIC COOPERATIVES EMPL 82 out of 100, Strong | 4 | 0.8% | 3.8% |
| 27 | Broker Solutions, Inc. | 3 | 0.6% | — |
| 28 | Hawthorn Bank 75 out of 100, Strong | 3 | 0.6% | 18.4% |
| 29 | TAMMAC HOLDINGS CORPORATION | 3 | 0.6% | — |
| 30 | DATA MORTGAGE, INC. | 3 | 0.6% | — |
| 31 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 0.4% | 32.5% |
| 32 | Regions Bank 64 out of 100, Moderate | 2 | 0.4% | 43.1% |
| 33 | GUILD MORTGAGE COMPANY | 2 | 0.4% | — |
| 34 | SPRING EQ, LLC | 2 | 0.4% | — |
| 35 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 0.4% | — |
| 36 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | 0.4% | — |
| 37 | AMERICAN FINANCING CORPORATION | 2 | 0.4% | — |
| 38 | NATIONSTAR MORTGAGE LLC | 2 | 0.4% | — |
| 39 | OCMBC, INC. | 2 | 0.4% | — |
| 40 | AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | 0.4% | — |
Top 40 of 74 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