Missouri · HMDA 2025
Mortgage lenders in St. Francois County, MO
166 lenders reported 2,527 home-loan applications in St. Francois County in 2025. 1,387 closed as loans ($272.5M), 376 were denied — a 20.6% denial rate on decided applications, above the Missouri rate of 18.5%. The three most active lenders handled 38% of applications, led by First State Community Bank. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,527
- Loans originated
- 1,387
- Purchase / refinance
- 794 / 383
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Francois County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First State Community Bank 73 out of 100, Strong | 467 | 18.5% | 15.4% |
| 2 | GUILD MORTGAGE COMPANY | 368 | 14.6% | — |
| 3 | Rocket Mortgage, LLC | 120 | 4.7% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 115 | 4.6% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 112 | 4.4% | 39.5% |
| 6 | Ozarks Federal Savings and Loan Association | 101 | 4.0% | — |
| 7 | Mortgage Research Center, LLC | 78 | 3.1% | — |
| 8 | NEWREZ LLC | 56 | 2.2% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 54 | 2.1% | — |
| 10 | FREEDOM MORTGAGE CORPORATION | 49 | 1.9% | — |
| 11 | Broker Solutions, Inc. | 46 | 1.8% | — |
| 12 | GERSHMAN INVESTMENT CORP. | 43 | 1.7% | — |
| 13 | DAS Acquisition Company, LLC | 42 | 1.7% | — |
| 14 | 21st Mortgage Corporation | 39 | 1.5% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 37 | 1.5% | 14.1% |
| 16 | UNICO Bank 47 out of 100, Below average | 34 | 1.3% | 5.5% |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 33 | 1.3% | — |
| 18 | FIRST COMMUNITY | 31 | 1.2% | — |
| 19 | Loandepot.Com, LLC | 28 | 1.1% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 28 | 1.1% | — |
| 21 | NEW DAY FINANCIAL, LLC | 28 | 1.1% | — |
| 22 | AmeriSave Mortgage Corporation | 26 | 1.0% | — |
| 23 | PLANET HOME LENDING, LLC | 26 | 1.0% | — |
| 24 | Navy Federal Credit Union 66 out of 100, Moderate | 22 | 0.9% | 32.9% |
| 25 | FLAT BRANCH MORTGAGE, INC. | 20 | 0.8% | — |
| 26 | Commerce Bank 76 out of 100, Strong | 19 | 0.8% | 33.2% |
| 27 | SPRING EQ, LLC | 18 | 0.7% | — |
| 28 | AMERICAN PACIFIC MORTGAGE CORPORATION | 17 | 0.7% | — |
| 29 | BLOOMSDALE BANK 73 out of 100, Strong | 15 | 0.6% | 2.4% |
| 30 | Discover Bank | 13 | 0.5% | — |
| 31 | Regions Bank 64 out of 100, Moderate | 13 | 0.5% | 43.1% |
| 32 | VILLAGE CAPITAL & INVESTMENT LLC | 13 | 0.5% | — |
| 33 | SCOTT CREDIT UNION 71 out of 100, Strong | 12 | 0.5% | 23.3% |
| 34 | LAKEVIEW LOAN SERVICING, LLC | 12 | 0.5% | — |
| 35 | FIGURE LENDING LLC | 11 | 0.4% | — |
| 36 | PHH Mortgage Corporation | 11 | 0.4% | — |
| 37 | Bank of America, National Association 59 out of 100, Moderate | 10 | 0.4% | 44.7% |
| 38 | PLAZA HOME MORTGAGE, INC. | 10 | 0.4% | — |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 10 | 0.4% | — |
| 40 | TOGETHER CREDIT UNION 64 out of 100, Moderate | 10 | 0.4% | 19.4% |
Top 40 of 166 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