Missouri · HMDA 2025
Mortgage lenders in Scott County, MO
118 lenders reported 1,351 home-loan applications in Scott County in 2025. 718 closed as loans ($107.7M), 187 were denied — a 20.0% denial rate on decided applications, above the Missouri rate of 18.5%. The three most active lenders handled 18% of applications, led by First State Community Bank. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,351
- Loans originated
- 718
- Purchase / refinance
- 389 / 226
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Scott County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First State Community Bank 73 out of 100, Strong | 83 | 6.1% | 15.4% |
| 2 | PENNYMAC LOAN SERVICES, LLC | 81 | 6.0% | — |
| 3 | Montgomery Bank 70 out of 100, Strong | 74 | 5.5% | 13.2% |
| 4 | The Bank of Missouri 55 out of 100, Moderate | 67 | 5.0% | 16.0% |
| 5 | FLAT BRANCH MORTGAGE, INC. | 58 | 4.3% | — |
| 6 | DAS Acquisition Company, LLC | 53 | 3.9% | — |
| 7 | Southern Bank 70 out of 100, Strong | 50 | 3.7% | 5.8% |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 48 | 3.6% | 39.5% |
| 9 | Rocket Mortgage, LLC | 47 | 3.5% | — |
| 10 | PLANET HOME LENDING, LLC | 43 | 3.2% | — |
| 11 | Mortgage Research Center, LLC | 42 | 3.1% | — |
| 12 | 21st Mortgage Corporation | 40 | 3.0% | — |
| 13 | Flanagan State Bank 67 out of 100, Moderate | 40 | 3.0% | 14.2% |
| 14 | Alliance Bank 84 out of 100, Strong | 40 | 3.0% | 2.3% |
| 15 | First Midwest Bank of Dexter 69 out of 100, Moderate | 40 | 3.0% | 2.3% |
| 16 | Regions Bank 64 out of 100, Moderate | 38 | 2.8% | 43.1% |
| 17 | GUILD MORTGAGE COMPANY | 37 | 2.7% | — |
| 18 | FOCUS BANK 75 out of 100, Strong | 31 | 2.3% | 11.5% |
| 19 | NEWREZ LLC | 22 | 1.6% | — |
| 20 | Synergy One Lending, Inc. | 21 | 1.6% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 21 | 1.6% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 21 | 1.6% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 18 | 1.3% | — |
| 24 | First Missouri State Bank of Cape County | 18 | 1.3% | — |
| 25 | AmeriSave Mortgage Corporation | 17 | 1.3% | — |
| 26 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 1.0% | 14.1% |
| 27 | Broker Solutions, Inc. | 14 | 1.0% | — |
| 28 | VILLAGE CAPITAL & INVESTMENT LLC | 14 | 1.0% | — |
| 29 | Loandepot.Com, LLC | 13 | 1.0% | — |
| 30 | Commerce Bank 76 out of 100, Strong | 12 | 0.9% | 33.2% |
| 31 | GERSHMAN INVESTMENT CORP. | 11 | 0.8% | — |
| 32 | UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 0.7% | — |
| 33 | NEW DAY FINANCIAL, LLC | 10 | 0.7% | — |
| 34 | TRIAD FINANCIAL SERVICES, INC. | 8 | 0.6% | — |
| 35 | FIGURE LENDING LLC | 8 | 0.6% | — |
| 36 | FIRST COMMUNITY MORTGAGE, INC. | 8 | 0.6% | — |
| 37 | PHH Mortgage Corporation | 8 | 0.6% | — |
| 38 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.5% | 32.9% |
| 39 | SPRING EQ, LLC | 7 | 0.5% | — |
| 40 | Truist Bank 63 out of 100, Moderate | 6 | 0.4% | 40.8% |
Top 40 of 118 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