Missouri · HMDA 2025
Mortgage lenders in Polk County, MO
157 lenders reported 1,499 home-loan applications in Polk County in 2025. 813 closed as loans ($161.6M), 219 were denied — a 20.5% denial rate on decided applications, above the Missouri rate of 18.5%. The three most active lenders handled 18% of applications, led by The Bank of Missouri. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,499
- Loans originated
- 813
- Purchase / refinance
- 463 / 227
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Polk County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Bank of Missouri 55 out of 100, Moderate | 97 | 6.5% | 16.0% |
| 2 | FLAT BRANCH MORTGAGE, INC. | 95 | 6.3% | — |
| 3 | Oakstar Bank 69 out of 100, Moderate | 84 | 5.6% | 4.7% |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 83 | 5.5% | 39.5% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 65 | 4.3% | — |
| 6 | Rocket Mortgage, LLC | 61 | 4.1% | — |
| 7 | NEWREZ LLC | 46 | 3.1% | — |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC. | 43 | 2.9% | — |
| 9 | 21st Mortgage Corporation | 41 | 2.7% | — |
| 10 | LimeBank 81 out of 100, Strong | 38 | 2.5% | 11.8% |
| 11 | Mid-Missouri Bank | 35 | 2.3% | — |
| 12 | The Central Trust Bank 69 out of 100, Moderate | 35 | 2.3% | 10.4% |
| 13 | Commerce Bank 76 out of 100, Strong | 33 | 2.2% | 33.2% |
| 14 | Mortgage Research Center, LLC | 32 | 2.1% | — |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 31 | 2.1% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 28 | 1.9% | — |
| 17 | BluCurrent Credit Union 65 out of 100, Moderate | 24 | 1.6% | 15.7% |
| 18 | PLANET HOME LENDING, LLC | 23 | 1.5% | — |
| 19 | TRIAD FINANCIAL SERVICES, INC. | 20 | 1.3% | — |
| 20 | Arvest Bank 57 out of 100, Moderate | 20 | 1.3% | 18.5% |
| 21 | Broker Solutions, Inc. | 19 | 1.3% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 19 | 1.3% | — |
| 23 | Great Southern Bank 73 out of 100, Strong | 18 | 1.2% | 24.6% |
| 24 | VILLAGE CAPITAL & INVESTMENT LLC | 18 | 1.2% | — |
| 25 | AMERICAN FINANCIAL RESOURCES, INC. | 17 | 1.1% | — |
| 26 | DAS Acquisition Company, LLC | 17 | 1.1% | — |
| 27 | GERSHMAN INVESTMENT CORP. | 16 | 1.1% | — |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 15 | 1.0% | 32.9% |
| 29 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 0.9% | 14.1% |
| 30 | AMERIHOME MORTGAGE COMPANY, LLC | 14 | 0.9% | — |
| 31 | GUILD MORTGAGE COMPANY | 12 | 0.8% | — |
| 32 | PHH Mortgage Corporation | 12 | 0.8% | — |
| 33 | O'BANNON BANKING COMPANY 59 out of 100, Moderate | 12 | 0.8% | 16.4% |
| 34 | Loandepot.Com, LLC | 11 | 0.7% | — |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 11 | 0.7% | — |
| 36 | SOUTHWEST STAGE FUNDING, LLC | 11 | 0.7% | — |
| 37 | Old Missouri Bank 62 out of 100, Moderate | 10 | 0.7% | 5.3% |
| 38 | Sullivan Bank | 10 | 0.7% | — |
| 39 | Discover Bank | 9 | 0.6% | — |
| 40 | AmeriSave Mortgage Corporation | 9 | 0.6% | — |
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