Missouri · HMDA 2025
Mortgage lenders in Randolph County, MO
115 lenders reported 1,040 home-loan applications in Randolph County in 2025. 564 closed as loans ($96.0M), 138 were denied — a 19.1% denial rate on decided applications, close to the Missouri rate of 18.5%. The three most active lenders handled 28% of applications, led by The Central Trust Bank. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,040
- Loans originated
- 564
- Purchase / refinance
- 320 / 177
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Randolph County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Central Trust Bank 69 out of 100, Moderate | 129 | 12.4% | 10.4% |
| 2 | FLAT BRANCH MORTGAGE, INC. | 98 | 9.4% | — |
| 3 | First State Community Bank 73 out of 100, Strong | 61 | 5.9% | 15.4% |
| 4 | Mortgage Research Center, LLC | 53 | 5.1% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 44 | 4.2% | — |
| 6 | REGIONAL MISSOURI BANK 84 out of 100, Strong | 43 | 4.1% | 10.1% |
| 7 | Rocket Mortgage, LLC | 41 | 3.9% | — |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 35 | 3.4% | 39.5% |
| 9 | Commerce Bank 76 out of 100, Strong | 35 | 3.4% | 33.2% |
| 10 | PLAZA HOME MORTGAGE, INC. | 28 | 2.7% | — |
| 11 | DAS Acquisition Company, LLC | 25 | 2.4% | — |
| 12 | PLANET HOME LENDING, LLC | 23 | 2.2% | — |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 22 | 2.1% | — |
| 14 | United Credit Union | 18 | 1.7% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 17 | 1.6% | — |
| 16 | AmeriSave Mortgage Corporation | 16 | 1.5% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 15 | 1.4% | — |
| 18 | Exchange Bank of Missouri | 14 | 1.3% | — |
| 19 | Broker Solutions, Inc. | 13 | 1.3% | — |
| 20 | Alliant Bank | 13 | 1.3% | — |
| 21 | 21st Mortgage Corporation | 12 | 1.2% | — |
| 22 | NEWREZ LLC | 12 | 1.2% | — |
| 23 | AMERICAN PACIFIC MORTGAGE CORPORATION | 12 | 1.2% | — |
| 24 | Loandepot.Com, LLC | 11 | 1.1% | — |
| 25 | River Region Credit Union | 11 | 1.1% | — |
| 26 | VILLAGE CAPITAL & INVESTMENT LLC | 11 | 1.1% | — |
| 27 | BTC BANK 60 out of 100, Moderate | 11 | 1.1% | 7.3% |
| 28 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 0.9% | 14.1% |
| 29 | UNITED SHORE FINANCIAL SERVICES, LLC | 9 | 0.9% | — |
| 30 | West Community Credit Union 52 out of 100, Below average | 7 | 0.7% | 22.0% |
| 31 | The Missouri Bank 88 out of 100, Very strong | 6 | 0.6% | 0.9% |
| 32 | NEW DAY FINANCIAL, LLC | 6 | 0.6% | — |
| 33 | Equity Bank 65 out of 100, Moderate | 6 | 0.6% | 18.4% |
| 34 | The Callaway Bank 67 out of 100, Moderate | 5 | 0.5% | 2.1% |
| 35 | AMERICAN FINANCIAL RESOURCES, INC. | 5 | 0.5% | — |
| 36 | Click n' Close, Inc. | 5 | 0.5% | — |
| 37 | Equity Prime Mortgage LLC | 5 | 0.5% | — |
| 38 | CARRINGTON MORTGAGE SERVICES, LLC | 5 | 0.5% | — |
| 39 | Navy Federal Credit Union 66 out of 100, Moderate | 4 | 0.4% | 32.9% |
| 40 | VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | 0.4% | — |
Top 40 of 115 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