Missouri · HMDA 2025
Mortgage lenders in Phelps County, MO
157 lenders reported 1,451 home-loan applications in Phelps County in 2025. 733 closed as loans ($153.7M), 252 were denied — a 23.9% denial rate on decided applications, above the Missouri rate of 18.5%. The three most active lenders handled 18% of applications, led by INFUZE Credit Union. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,451
- Loans originated
- 733
- Purchase / refinance
- 443 / 204
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Phelps County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | INFUZE Credit Union | 96 | 6.6% | — |
| 2 | GUILD MORTGAGE COMPANY | 87 | 6.0% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 81 | 5.6% | — |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 79 | 5.4% | 39.5% |
| 5 | Rocket Mortgage, LLC | 70 | 4.8% | — |
| 6 | FLAT BRANCH MORTGAGE, INC. | 64 | 4.4% | — |
| 7 | Mortgage Research Center, LLC | 52 | 3.6% | — |
| 8 | Broker Solutions, Inc. | 49 | 3.4% | — |
| 9 | Loandepot.Com, LLC | 42 | 2.9% | — |
| 10 | VANDERBILT MORTGAGE AND FINANCE, INC. | 40 | 2.8% | — |
| 11 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 40 | 2.8% | — |
| 12 | First State Community Bank 73 out of 100, Strong | 32 | 2.2% | 15.4% |
| 13 | DAS Acquisition Company, LLC | 32 | 2.2% | — |
| 14 | NEWREZ LLC | 31 | 2.1% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 31 | 2.1% | — |
| 16 | 21st Mortgage Corporation | 27 | 1.9% | — |
| 17 | TRIAD FINANCIAL SERVICES, INC. | 27 | 1.9% | — |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 26 | 1.8% | — |
| 19 | The Central Trust Bank 69 out of 100, Moderate | 26 | 1.8% | 10.4% |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 25 | 1.7% | 14.1% |
| 21 | VILLAGE CAPITAL & INVESTMENT LLC | 25 | 1.7% | — |
| 22 | NEW DAY FINANCIAL, LLC | 24 | 1.7% | — |
| 23 | Southern Bank 70 out of 100, Strong | 24 | 1.7% | 5.8% |
| 24 | AmeriSave Mortgage Corporation | 23 | 1.6% | — |
| 25 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 16 | 1.1% | 74.7% |
| 26 | PLANET HOME LENDING, LLC | 15 | 1.0% | — |
| 27 | The Maries County Bank 89 out of 100, Very strong | 15 | 1.0% | 13.9% |
| 28 | TAMMAC HOLDINGS CORPORATION | 15 | 1.0% | — |
| 29 | UNITED SHORE FINANCIAL SERVICES, LLC | 13 | 0.9% | — |
| 30 | SOUTHWEST STAGE FUNDING, LLC | 11 | 0.8% | — |
| 31 | Navy Federal Credit Union 66 out of 100, Moderate | 10 | 0.7% | 32.9% |
| 32 | Discover Bank | 9 | 0.6% | — |
| 33 | SPRING EQ, LLC | 9 | 0.6% | — |
| 34 | NQM FUNDING, LLC | 9 | 0.6% | — |
| 35 | MUTUAL OF OMAHA MORTGAGE, INC. | 9 | 0.6% | — |
| 36 | FIGURE LENDING LLC | 8 | 0.6% | — |
| 37 | Peoples Bank 80 out of 100, Strong | 8 | 0.6% | 8.8% |
| 38 | The Federal Savings Bank 51 out of 100, Below average | 7 | 0.5% | 19.1% |
| 39 | SOFI BANK, NATIONAL ASSOCIATION | 7 | 0.5% | — |
| 40 | NATIONSTAR MORTGAGE LLC | 7 | 0.5% | — |
Top 40 of 157 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