Missouri · HMDA 2025
Mortgage lenders in Ray County, MO
158 lenders reported 1,100 home-loan applications in Ray County in 2025. 587 closed as loans ($123.0M), 146 were denied — a 19.4% denial rate on decided applications, close to the Missouri rate of 18.5%. The three most active lenders handled 17% of applications, led by LEADERONE FINANCIAL CORPORATION. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,100
- Loans originated
- 587
- Purchase / refinance
- 317 / 189
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ray County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | LEADERONE FINANCIAL CORPORATION | 74 | 6.7% | — |
| 2 | PENNYMAC LOAN SERVICES, LLC | 62 | 5.6% | — |
| 3 | Rocket Mortgage, LLC | 53 | 4.8% | — |
| 4 | COMMUNITYAMERICA CREDIT UNION | 50 | 4.5% | — |
| 5 | NBH Bank 66 out of 100, Moderate | 48 | 4.4% | 16.8% |
| 6 | Community Bank of Missouri 74 out of 100, Strong | 44 | 4.0% | 12.7% |
| 7 | NEWREZ LLC | 35 | 3.2% | — |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 34 | 3.1% | 39.5% |
| 9 | FREEDOM MORTGAGE CORPORATION | 33 | 3.0% | — |
| 10 | NATIONSTAR MORTGAGE LLC | 30 | 2.7% | — |
| 11 | Fairway Independent Mortgage Corporation | 25 | 2.3% | — |
| 12 | Mortgage Research Center, LLC | 25 | 2.3% | — |
| 13 | CENTRAL MISSOURI COMMUNITY CREDIT UNION 60 out of 100, Moderate | 21 | 1.9% | 36.8% |
| 14 | The Central Trust Bank 69 out of 100, Moderate | 21 | 1.9% | 10.4% |
| 15 | Farmers State Bank | 20 | 1.8% | — |
| 16 | FLAT BRANCH MORTGAGE, INC. | 19 | 1.7% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 16 | 1.5% | 14.1% |
| 18 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 1.5% | — |
| 19 | PLANET HOME LENDING, LLC | 15 | 1.4% | — |
| 20 | UNION HOME MORTGAGE CORP. | 15 | 1.4% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 14 | 1.3% | — |
| 22 | AmeriSave Mortgage Corporation | 13 | 1.2% | — |
| 23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 1.2% | — |
| 24 | GOPPERT FINANCIAL BANK | 13 | 1.2% | — |
| 25 | GUILD MORTGAGE COMPANY | 12 | 1.1% | — |
| 26 | Broker Solutions, Inc. | 11 | 1.0% | — |
| 27 | ASSEMBLIES OF GOD Credit Union 41 out of 100, Below average | 11 | 1.0% | 0.8% |
| 28 | UMB Bank, National Association 65 out of 100, Moderate | 11 | 1.0% | 30.5% |
| 29 | 21st Mortgage Corporation | 10 | 0.9% | — |
| 30 | NEW DAY FINANCIAL, LLC | 10 | 0.9% | — |
| 31 | GUARANTEED RATE, INC. | 9 | 0.8% | — |
| 32 | LAKEVIEW LOAN SERVICING, LLC | 9 | 0.8% | — |
| 33 | Loandepot.Com, LLC | 8 | 0.7% | — |
| 34 | PHH Mortgage Corporation | 8 | 0.7% | — |
| 35 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.6% | 32.9% |
| 36 | FIGURE LENDING LLC | 7 | 0.6% | — |
| 37 | COMMUNITY MORTGAGE, LLC | 7 | 0.6% | — |
| 38 | VILLAGE CAPITAL & INVESTMENT LLC | 7 | 0.6% | — |
| 39 | Commerce Bank 76 out of 100, Strong | 7 | 0.6% | 33.2% |
| 40 | SPRING EQ, LLC | 6 | 0.5% | — |
Top 40 of 158 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